OFG BancorpOFG -0.79%79 Return-on-Tangible-Equity is 17.71% as of Mar. 2026, which is 37% above its 10-year median of 12.94. GuruFocus rates OFG with a GF Score™ of 79/100 and a GF Value™ of $44.08 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, OFG Bancorp ranks better than 85.05% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. OFG Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $215.7 Mil. OFG Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $1,218.1 Mil. Therefore, OFG Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 17.71%.
The historical rank and industry rank for OFG Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
OFG'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.15 Med: 12.94 Max: 18.96
Current: 17.95
During the past 13 years, OFG Bancorp's highest Return-on-Tangible-Equity was 18.96%. The lowest was 6.15%. And the median was 12.94%.
OFG's Return-on-Tangible-Equity is ranked better than 85.05% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs OFG: 17.95
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
OFG Bancorp Return-on-Tangible-Equity Related Terms
OFG Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for OFG Bancorp's Return-on-Tangible-Equity 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 vs FCF, STEL, NBHC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, OFG Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, OFG Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where OFG Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 17.71% mean?
OFG Bancorp (OFG) has a Return-on-Tangible-Equity of 17.71% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on OFG Bancorp and its competitors. This is 37% above median its historical median of 12.94. Over the past decade, OFG Bancorp's Return-on-Tangible-Equity has ranged from 6.15 to 18.96. According to the industry distribution chart, OFG Bancorp ranks #228 out of 1525 companies in the Banks industry, placing it in the top 15%.
Is OFG Bancorp's Return-on-Tangible-Equity too high?
OFG Bancorp's current Return-on-Tangible-Equity of 17.71% is 37% above median its 10-year median of 12.94. Over the past 10 years, this metric has ranged from a low of 6.15 to a high of 18.96. The Banks industry median Return-on-Tangible-Equity is 11.21. OFG Bancorp's value of 17.71% is 58% above this industry median. Based on the distribution chart, OFG Bancorp ranks #228 out of 1525 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OFG Bancorp's Return-on-Tangible-Equity compare to FCF and STEL?
According to the Banks industry distribution chart, OFG Bancorp ranks #228 out of 1525 companies for Return-on-Tangible-Equity. This places OFG Bancorp in the top 15% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. OFG Bancorp's value of 17.71% is 58% above this benchmark. Historically, OFG Bancorp's own Return-on-Tangible-Equity has ranged from 6.15 to 18.96 over the past decade. While the company's 10-year median is 12.94 vs. the industry median of 11.21, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OFG Bancorp's current Return-on-Tangible-Equity of 17.71% is 58% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on OFG Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OFG Bancorp's current Return-on-Tangible-Equity is 17.71%, which is 37% above median its own 10-year median of 12.94. 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 Modestly Overvalued. The stock's GF Value™ is $44.08, compared to a current price of $48.92 — trading 11% above its estimated fair value. The current Return-on-Tangible-Equity is 17.71%, which is 37% above median its 10-year median of 12.94 and 58% above the Banks industry median of 11.21. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For OFG Bancorp (OFG), the current Return-on-Tangible-Equity is 17.71% 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 $48.92 is trading 11% above its estimated GF Value™ of $44.08.
GuruFocus considers OFG Bancorp to be Modestly Overvalued.
Key valuation signals for OFG:
Return-on-Tangible-Equity: 17.71% (37% above median its 10-year median of 12.94)
GF Value™: $44.08 vs. price of $48.92 (11% above fair value)
Industry Position: 58% above the Banks median (#228 of 1525)
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
Get the complete analysis for OFG
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OFG has been successfully added to your 
