OFG (OFG Bancorp) Scaled Net Operating Assets: 0.10 (As of Mar. 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 Scaled Net Operating Assets?

OFG Bancorp OFG +1.00% 79 Scaled Net Operating Assets is 0.10 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

OFG Bancorp's operating assets for the quarter that ended in Mar. 2026 was $11,409.3 Mil. OFG Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $10,202.3 Mil. OFG Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $12,465.7 Mil. Therefore, OFG Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.10.

OFG
79GF Score
OFG Bancorp OFG
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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OFG Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

OFG Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(11425.322-10595.905)/11500.734
=0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=12465.657 - 1040.335
=11425.322

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=11075.652 - 423.166 - 56.581
=10595.905

OFG Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(11409.273-10202.339)/12465.657
=0.10

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=12047.903 - 638.63
=11409.273

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=10681.008 - 422.088 - 56.581
=10202.339

* 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 Scaled Net Operating Assets of 0.10 mean?
OFG Bancorp (OFG) has a Scaled Net Operating Assets of 0.10 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on OFG Bancorp and its competitors.
Is OFG Bancorp's Scaled Net Operating Assets too high?
OFG Bancorp's current Scaled Net Operating Assets is 0.10. 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 Scaled Net Operating Assets compare to FCF and STEL?
OFG Bancorp's Scaled Net Operating Assets of 0.10 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on OFG Bancorp and its competitors. OFG Bancorp's current Scaled Net Operating Assets is 0.10. 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 Scaled Net Operating Assets is 0.10. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For OFG Bancorp (OFG), the current Scaled Net Operating Assets is 0.10 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:

  • Scaled Net Operating Assets: 0.10
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.51
Price
$44.07
GF Value