OFG BancorpOFG +1.00%79 FCF Margin % is 39.34% as of Mar. 2026, which is 44% above its 10-year median of 27.41. GuruFocus rates OFG with a GF Score™ of 79/100 and a GF Value™ of $44.07 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, OFG Bancorp ranks better than 51.83% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. OFG Bancorp's Free Cash Flow for the
three
months ended in Mar. 2026 was $68.8 Mil. OFG Bancorp's Revenue for the
three
months ended in Mar. 2026 was $174.8 Mil. Therefore, OFG Bancorp's FCF Margin % for the quarter that ended in Mar. 2026 was 39.34%.
The historical rank and industry rank for OFG Bancorp's FCF Margin % or its related term are showing as below:
OFG'
s FCF Margin % Range Over the Past 10 Years
Min: 4.07 Med: 27.41 Max: 43.4
Current: 27.51
During the past 13 years, the highest FCF Margin % of OFG Bancorp was 43.40%. The lowest was 4.07%. And the median was 27.41%.
OFG's FCF Margin % is ranked better than 51.83% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs OFG: 27.51
OFG Bancorp FCF Margin % Related Terms
OFG Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for OFG Bancorp's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, OFG Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
OFG Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, OFG Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where OFG Bancorp's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
OFG Bancorp (OFG) has a FCF Margin % of 39.34% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on OFG Bancorp and its competitors. This is 44% above median its historical median of 27.41. Over the past decade, OFG Bancorp's FCF Margin % has ranged from 4.07 to 43.40. According to the industry distribution chart, OFG Bancorp ranks #725 out of 1505 companies in the Banks industry, placing it in the top 48.2%.
Is OFG Bancorp's FCF Margin % too high?
OFG Bancorp's current FCF Margin % of 39.34% is 44% above median its 10-year median of 27.41. Over the past 10 years, this metric has ranged from a low of 4.07 to a high of 43.40. The Banks industry median FCF Margin % is 26.42. OFG Bancorp's value of 39.34% is 48.9% above this industry median. Based on the distribution chart, OFG Bancorp ranks #725 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, OFG Bancorp has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OFG Bancorp's FCF Margin % compare to FCF and STEL?
According to the Banks industry distribution chart, OFG Bancorp ranks #725 out of 1505 companies for FCF Margin %. This puts OFG Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.42. OFG Bancorp's value of 39.34% is 48.9% above this benchmark. Historically, OFG Bancorp's own FCF Margin % has ranged from 4.07 to 43.40 over the past decade. While the company's 10-year median is 27.41 vs. the industry median of 26.42, OFG Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OFG Bancorp's current FCF Margin % of 39.34% is 48.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on OFG Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OFG Bancorp's current FCF Margin % is 39.34%, which is 44% above median its own 10-year median of 27.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OFG Bancorp stock overvalued right now?
Based on GuruFocus' analysis, OFG Bancorp (OFG) is currently considered Fairly Valued. The stock's GF Value™ is $44.07, compared to a current price of $48.51 — trading 10.1% above its estimated fair value. The current FCF Margin % is 39.34%, which is 44% above median its 10-year median of 27.41 and 48.9% above the Banks industry median of 26.42. OFG Bancorp's overall GF Score™ is 79/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For OFG Bancorp (OFG), the current FCF Margin % is 39.34% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is OFG Bancorp (OFG) Overvalued in 2026?
Based on GuruFocus' analysis, OFG Bancorp stock appears to be overvalued.
The current stock price of $48.51 is trading 10.1% above its estimated GF Value™ of $44.07.
GuruFocus considers OFG Bancorp to be Fairly Valued.
Key valuation signals for OFG:
FCF Margin %: 39.34% (44% above median its 10-year median of 27.41)
GF Value™: $44.07 vs. price of $48.51 (10.1% above fair value)
Industry Position: 48.9% above the Banks median (#725 of 1505)
No single metric tells the full story. See the OFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OFG Bancorp is a financial holding company, through its subsidiaries provides banking and financial services. It operates through three segments namely Banking, Wealth Management, and Treasury. It serves to clients such as commercial, consumer, auto, and mortgage lending, checking and savings accounts, financial planning, insurance, financial services, and investment brokerage, and corporate and individual trust and retirement services. The company derives maximum revenue from Banking Segment. It provides services in the region of Puerto Rico.
79GF Score
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