OFG (OFG Bancorp) Moat Score: 5/10 (As of Jun. 25, 2026)


OFG OFG Bancorp OFG
79 GF Score
Price $48.51
GF Value $44.07
Valuation Fairly Valued
! 6 Warning Signs
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What is OFG Bancorp Moat Score?

OFG Bancorp OFG +1.00% 79 Moat Score is 5 as of Jun. 25, 2026. 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 1,609 Banks companies, OFG Bancorp ranks better than 93.97% on this metric.

OFG Bancorp has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

OFG Bancorp has Narrow Moat: OFG Bancorp has a solid narrow moat with a strong regional presence in Puerto Rico, benefiting from customer loyalty and some regulatory barriers. However, it lacks the scale and network effects necessary for a wide moat classification.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes OFG Bancorp might have Narrow Moat - Solid narrow moat.

OFG Bancorp  (NYSE:OFG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

OFG Bancorp Moat Score Related Terms

OFG vs FCF, STEL, NBHC: Moat Score Comparison

For the Banks - Regional subindustry, OFG Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, OFG Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where OFG Bancorp's Moat Score falls into.


OFG
79GF Score
OFG Bancorp OFG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
OFG Bancorp (OFG) has a Moat Score of 5 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, OFG Bancorp ranks #97 out of 1609 companies in the Banks industry, placing it in the top 6%.
Is OFG Bancorp's Moat Score too high?
OFG Bancorp's current Moat Score is 5. Based on the distribution chart, OFG Bancorp ranks #97 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to FCF and STEL?
According to the Banks industry distribution chart, OFG Bancorp ranks #97 out of 1609 companies for Moat Score. This places OFG Bancorp in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. OFG Bancorp's current Moat Score is 5. 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 Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For OFG Bancorp (OFG), the current Moat Score is 5 as of Jun. 25, 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:

  • Moat Score: 5
  • GF Value™: $44.07 vs. price of $48.51 (10.1% above fair value)
  • GF Score™: 79/100 with 6 warning signs

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 Business Description

Other Exchanges OFP:Germany
Address 254 Munoz Rivera Avenue, San Juan, PRI, 00918
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.51
Price
$44.07
GF Value