OFG BancorpOFG +2.20%79 5-Year Yield-on-Cost % is 11.23 as of Jul. 02, 2026, which is 20% above its 10-year median of 9.38. GuruFocus rates OFG with a GF Score™ of 79/100 and a GF Value™ of $44.10 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,250 Banks companies, OFG Bancorp ranks better than 88.48% on this metric.
OFG Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 11.23.
The historical rank and industry rank for OFG Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
OFG'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.71 Med: 9.38 Max: 14.21
Current: 11.23
During the past 13 years, OFG Bancorp's highest Yield on Cost was 14.21. The lowest was 4.71. And the median was 9.38.
OFG's 5-Year Yield-on-Cost % is ranked better than 88.48% of 1250
companies
in the Banks industry
Industry Median: 3.94
vs OFG: 11.23
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
OFG Bancorp 5-Year Yield-on-Cost % Related Terms
OFG vs FCF, NBHC, STEL: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, OFG Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, OFG Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where OFG Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of OFG Bancorp is calculated as
OFG Bancorp (OFG) has a 5-Year Yield-on-Cost % of 11.23 as of Jul. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on OFG Bancorp and its competitors. This is 20% above median its historical median of 9.38. Over the past decade, OFG Bancorp's 5-Year Yield-on-Cost % has ranged from 4.71 to 14.21. According to the industry distribution chart, OFG Bancorp ranks #144 out of 1250 companies in the Banks industry, placing it in the top 11.5%.
Is OFG Bancorp's 5-Year Yield-on-Cost % too high?
OFG Bancorp's current 5-Year Yield-on-Cost % of 11.23 is 20% above median its 10-year median of 9.38. Over the past 10 years, this metric has ranged from a low of 4.71 to a high of 14.21. The Banks industry median 5-Year Yield-on-Cost % is 3.94. OFG Bancorp's value of 11.23 is 185% above this industry median. Based on the distribution chart, OFG Bancorp ranks #144 out of 1250 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 5-Year Yield-on-Cost % compare to FCF and NBHC?
According to the Banks industry distribution chart, OFG Bancorp ranks #144 out of 1250 companies for 5-Year Yield-on-Cost %. This places OFG Bancorp in the top 12% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.94. OFG Bancorp's value of 11.23 is 185% above this benchmark. Historically, OFG Bancorp's own 5-Year Yield-on-Cost % has ranged from 4.71 to 14.21 over the past decade. While the company's 10-year median is 9.38 vs. the industry median of 3.94, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.94, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OFG Bancorp's current 5-Year Yield-on-Cost % of 11.23 is 185% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on OFG Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OFG Bancorp's current 5-Year Yield-on-Cost % is 11.23, which is 20% above median its own 10-year median of 9.38. 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 $44.10, compared to a current price of $50.15 — trading 13.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 11.23, which is 20% above median its 10-year median of 9.38 and 185% above the Banks industry median of 3.94. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For OFG Bancorp (OFG), the current 5-Year Yield-on-Cost % is 11.23 as of Jul. 02, 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 $50.15 is trading 13.7% above its estimated GF Value™ of $44.10.
GuruFocus considers OFG Bancorp to be Modestly Overvalued.
Key valuation signals for OFG:
5-Year Yield-on-Cost %: 11.23 (20% above median its 10-year median of 9.38)
GF Value™: $44.10 vs. price of $50.15 (13.7% above fair value)
Industry Position: 185% above the Banks median (#144 of 1250)
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
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