Inside the research
OFG Bancorp
OFG Research profile · latest available data
Price overview
$51.94
▲ +0.20 (+0.4%)
| 52w hi | $53.95 |
|---|---|
| 52w lo | $36.56 |
| Vol | 235.50K |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.55
| Short | +0.50 |
|---|---|
| Medium | +0.59 |
| Long | +0.56 |
computed 2026-09-27
Key fundamentals
OFG Bancorp
Financial Services · Banks - Regional
| Market cap | $2.20B |
|---|---|
| Enterprise value | $2.03B |
| Trailing P/E | 10.24x |
| Forward P/E | 10.14x |
| P / S (ttm) | 3.37x |
| Profit margin | 33.9% |
| Return on equity | 16.1% |
| Revenue growth | +10.4% |
| Earnings growth | +20.9% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.37 | |
| Sector | +0.02 | |
| Technical | +0.38 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
OFG Bancorp, a financial holding company, provides a range of banking and financial services in the United States. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers savings accounts, certificates of deposit, individual retirement accounts personal, and commercial non-interest and interest-bearing checking accounts; time deposit products; and corporate trust services. It also provides commercial loans, auto loans, mortgage loans, as well as consumer loans, such as personal loans, residential solar panel loans, credit cards, lines of credit, and other loans; mortgage banking services; sale of loans and securitization activities; wealth management activities comprising securities brokerage, insurance agency, captive reinsurance, trust services, and other financial services; and various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients. In addition, the company's portfolio consists of mortgage-backed securities, obligations of U.S. government-sponsored agencies, U.S. Treasury securities, and money market instruments; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. The company was founded in 1964 and is headquartered in San Juan, Puerto Rico.
Risk Metrics
| Beta vs SPX | 0.81 |
|---|---|
| Corr SPX | 0.46 |
| Annual vol | 27.9% |
| Annual ret | +11.4% |
| Sharpe | 0.41 |
| Max DD | -25.6% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-21 | Earnings Release, Exhibits | read |
| 2026-04-23 | Shareholder Vote | read |
| 2026-04-21 | Earnings Release, Exhibits | read |
| 2026-01-22 | Earnings Release, Exhibits | read |
| 2025-10-22 | Earnings Release, Exhibits | read |
| 2025-07-17 | Earnings Release, Exhibits | read |
| 2025-05-07 | Shareholder Vote | read |
| 2025-04-23 | Earnings Release, Exhibits | read |
| 2025-01-22 | Earnings Release, Exhibits | read |
| 2024-10-22 | Officer / Director Change | read |
| 2024-10-16 | Earnings Release, Exhibits | read |
| 2024-09-23 | Officer / Director Change | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-14 | Arizmendi Maritza | Chief Financial Officer | Sell | 10.00K | $533.48K |
| 2026-08-12 | De Jesus Nestor | Sell | 4.00K | $212.00K | |
| 2026-07-24 | FERNANDEZ JOSE RAFAEL | CEO; Chairman BOD | Sell | 52.35K | $2.75M |
| 2026-05-19 | Rodriguez Mari Evelyn | Chief Retail Banking Offi | Option exercise | 8.75K | — |
| 2026-05-19 | Rodriguez Mari Evelyn | Chief Retail Banking Offi | Withheld for tax | 1.96K | $89.51K |
| 2026-04-23 | FERNANDEZ JOSE RAFAEL | CEO; Chairman BOD | Gift | 10.00K | — |
Flow & Concentration
| Insider 180d net | -$3.49M |
|---|---|
| Insider buys / sells | 0 / 3 |
| Insider bias | Sellers |
| 13F holders | 8 |
| Top-5 share | 98.2% |
| HHI | 5,744 (concentrated) |
Top Holders
| Holder | Value | Shares |
|---|---|---|
| State Street Corp | $122.99M | 2.49M |
| Millennium Management | $21.36M | 435.22K |
| AQR Capital Management | $13.71M | 279.47K |
| Citadel Advisors | $2.55M | 52.07K |
| Fidelity / FMR LLC | $2.14M | 43.53K |
| Capital Research / Capital World | $2.13M | 43.36K |
| Renaissance Technologies | $884.93K | 18.03K |
| T. Rowe Price Group | $10.78K | 219.73K |
As of 2026-06-30
SEC Filings
The Long Run
FY 2011–2025 · 15 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $0 | — | |
| Net income | $205.10M | +13.6% | |
| Cash from ops | $217.72M | +2.9% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $51.92 | $52.44 | $51.92 | $51.94 | 235.50K |
| Sep 24 | $51.87 | $51.95 | $51.34 | $51.74 | 234.40K |
| Sep 23 | $51.69 | $52.27 | $51.41 | $51.56 | 290.10K |
| Sep 22 | $52.56 | $52.79 | $51.67 | $51.70 | 243.20K |
| Sep 21 | $52.73 | $52.90 | $52.20 | $52.24 | 221.00K |
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