What Is OFG Bancorp (OFG) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, OFG Bancorp's intrinsic value is estimated at a composite fair value of $108.55. While the stock appears modestly undervalued at $50.04 (implied upside of +116.9%), our analysis suggests a thinner margin of safety across 7 of 11 bullish models. Notably, Bayesian DCF sees the most upside at +433.7% (fair value: $267.08), while EPV is the most conservative at -35.4% ($32.33). The spread between these extremes — +469.1% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About OFG?
11 of 13 models are currently active for OFG. Of these, 8 models suggest upside while 3 models suggest overvaluation. The Bayesian DCF estimates OFG's intrinsic value at $267.08, implying +433.7% upside from the current price. See which stocks rank higher →
How Does OFG Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, OFG ranks #2 by Quality of Company score. CirclFi's QOC score of 9.8/10 evaluates 32 fundamental signals. A score of 9.8 places OFG in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
The State Commercial Banks sector introduces analytical considerations specific to financial institution businesses. For OFG Bancorp, metrics like CET1 capital ratio provide important context that general-purpose valuation models may underweight.
Is OFG a Value Trap?
The Value Trap algorithm is not active for OFG. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
11 of 13 models are active for OFG Bancorp. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, OFG Bancorp earns a quality score of 9.8/10. This exceptional rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +469.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every OFG valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across OFG's 11 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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