OFG (OFG Bancorp) ROE % Adjusted to Book Value: 12.52% (As of Mar. 2026)


OFG OFG Bancorp OFG
79 GF Score
Price $48.68
GF Value $44.07
Valuation Fairly Valued
! 6 Warning Signs
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What is OFG Bancorp ROE % Adjusted to Book Value?

OFG Bancorp OFG +1.35% 79 ROE % Adjusted to Book Value is 12.52% as of Mar. 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.

OFG Bancorp's ROE % for the quarter that ended in Mar. 2026 was 15.65%. OFG Bancorp's PB Ratio for the quarter that ended in Mar. 2026 was 1.25. OFG Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 12.52%.

OFG Bancorp ROE % Adjusted to Book Value Related Terms

OFG Bancorp ROE % Adjusted to Book Value Historical Data

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The historical data trend for OFG Bancorp's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

OFG Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.02 12.50 10.99 10.58 12.12

OFG Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.29 11.02 10.93 12.63 12.52

OFG vs FCF, STEL, NBHC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, OFG Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, OFG Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where OFG Bancorp's ROE % Adjusted to Book Value falls into.


OFG
79GF Score
OFG Bancorp OFG
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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OFG Bancorp ROE % Adjusted to Book Value Calculation

OFG Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=15.51% / 1.28
=12.12%

OFG Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=15.65% / 1.25
=12.52%

* 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.

What does a ROE % Adjusted to Book Value of 12.52% mean?
OFG Bancorp (OFG) has a ROE % Adjusted to Book Value of 12.52% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on OFG Bancorp and its competitors.
Is OFG Bancorp's ROE % Adjusted to Book Value too high?
OFG Bancorp's current ROE % Adjusted to Book Value is 12.52%. 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 ROE % Adjusted to Book Value compare to FCF and STEL?
OFG Bancorp's ROE % Adjusted to Book Value of 12.52% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on OFG Bancorp and its competitors. OFG Bancorp's current ROE % Adjusted to Book Value is 12.52%. 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 $48.68 — trading 10.5% above its estimated fair value. The current ROE % Adjusted to Book Value is 12.52%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For OFG Bancorp (OFG), the current ROE % Adjusted to Book Value is 12.52% 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 $48.68 is trading 10.5% above its estimated GF Value™ of $44.07. GuruFocus considers OFG Bancorp to be Fairly Valued.

Key valuation signals for OFG:

  • ROE % Adjusted to Book Value: 12.52%
  • GF Value™: $44.07 vs. price of $48.68 (10.5% 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

Get the complete analysis for OFG

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.68
Price
$44.07
GF Value