OFGPD.PFD (OFG Bancorp) OCF Margin %: 41.83% (As of Mar. 2026) — 37% Above Median

What is OFG Bancorp OCF Margin %?

OFG Bancorp OFGPD.PFD 79 OCF Margin % is 41.83% as of Mar. 2026, which is 37% above its 10-year median of 30.56. GuruFocus rates OFGPD.PFD with a GF Score™ of 79/100. The stock has 6 warning signs investors should review. Among 1,501 Banks companies, OFG Bancorp ranks better than 51.83% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. OFG Bancorp's Cash Flow from Operations for the three months ended in Mar. 2026 was $73.12 Mil. OFG Bancorp's Revenue for the three months ended in Mar. 2026 was $174.81 Mil. Therefore, OFG Bancorp's OCF Margin % for the quarter that ended in Mar. 2026 was 41.83%.

As of today, OFG Bancorp's current OCF Yield % is 10.24%.

The historical rank and industry rank for OFG Bancorp's OCF Margin % or its related term are showing as below:

During the past 13 years, the highest OCF Margin % of OFG Bancorp was 46.19%. The lowest was 7.22%. And the median was 30.56%.

OFGpD.PFD's OCF Margin % is not ranked ^*
in the Banks industry.
Industry Median: 29.44
* Ranked among companies with meaningful OCF Margin % only.

OFG Bancorp OCF Margin % Related Terms

OFG Bancorp OCF Margin % Historical Data

* Premium members only.

The historical data trend for OFG Bancorp's OCF 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.

OFG Bancorp OCF Margin % Chart

OFG Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

OCF Margin %

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20.12

29.11

46.19

38.20

32.01

OFG Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
OCF Margin %	Get a 7-Day Free Trial															49.84	21.40	23.07	33.95	41.83

79GF Score

OFG Bancorp OFGPD.PFD

OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.

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OFG Bancorp OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

OFG Bancorp's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin	=	Cash Flow from Operations (A: Dec. 2025 )	/	Revenue (A: Dec. 2025 )
	=	217.719	/	680.221
	=	32.01 %

OFG Bancorp's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin	=	Cash Flow from Operations (Q: Mar. 2026 )	/	Revenue (Q: Mar. 2026 )
	=	73.121	/	174.812
	=	41.83 %

Frequently Asked Questions Learn more about OCF Margin % →

What does a OCF Margin % of 41.83% mean?

OFG Bancorp (OFGPD.PFD) has a OCF Margin % of 41.83% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on OFG Bancorp and its competitors. This is 37% above median its historical median of 30.56. Over the past decade, OFG Bancorp's OCF Margin % has ranged from 7.22 to 46.19. According to the industry distribution chart, OFG Bancorp ranks #723 out of 1501 companies in the Banks industry, placing it in the top 48.2%.

Is OFG Bancorp's OCF Margin % too high?

OFG Bancorp's current OCF Margin % of 41.83% is 37% above median its 10-year median of 30.56. Over the past 10 years, this metric has ranged from a low of 7.22 to a high of 46.19. The Banks industry median OCF Margin % is 29.44. OFG Bancorp's value of 41.83% is 42.1% above this industry median. Based on the distribution chart, OFG Bancorp ranks #723 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, OFG Bancorp has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.

How does OFG Bancorp's OCF Margin % compare to FCF and STEL?

According to the Banks industry distribution chart, OFG Bancorp ranks #723 out of 1501 companies for OCF Margin %. This puts OFG Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.44. OFG Bancorp's value of 41.83% is 42.1% above this benchmark. Historically, OFG Bancorp's own OCF Margin % has ranged from 7.22 to 46.19 over the past decade. While the company's 10-year median is 30.56 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?

The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OFG Bancorp's current OCF Margin % of 41.83% is 42.1% 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 OCF Margin % mean?

A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on OFG Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OFG Bancorp's current OCF Margin % is 41.83%, which is 37% above median its own 10-year median of 30.56. 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?

OFG Bancorp (OFGPD.PFD) has a current OCF Margin % of 41.83%. The current OCF Margin % is 41.83%, which is 37% above median its 10-year median of 30.56 and 42.1% above the Banks industry median of 29.44. 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 OCF Margin % calculated?

OCF Margin % is calculated from a company's financial statements. For OFG Bancorp (OFGPD.PFD), the current OCF Margin % is 41.83% 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.

OFG Bancorp Business Description

Industry Financial Services Banks

Comparable Companies FCF STEL NBHC LC NWBI SRCE BLX LOB CLBK CHCO SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Other Exchanges OFG:USA OFP:Germany

Address 254 Munoz Rivera Avenue, San Juan, PRI, 00918

Website https://www.ofgbancorp.com

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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