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
Vol235.50K
As of25 Sep 2026

The Verdict

Buy

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/E10.24x
Forward P/E10.14x
P / S (ttm)3.37x
Profit margin33.9%
Return on equity16.1%
Revenue growth+10.4%
Earnings growth+20.9%

Layer Breakdown

LayerRawContribution
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.

United States · www.ofgbancorp.com

Risk Metrics

Beta vs SPX0.81
Corr SPX0.46
Annual vol27.9%
Annual ret+11.4%
Sharpe0.41
Max DD-25.6%

Window: 504 trading days (504 obs)

Material Events

DateEvent8-K
2026-07-21Earnings Release, Exhibitsread
2026-04-23Shareholder Voteread
2026-04-21Earnings Release, Exhibitsread
2026-01-22Earnings Release, Exhibitsread
2025-10-22Earnings Release, Exhibitsread
2025-07-17Earnings Release, Exhibitsread
2025-05-07Shareholder Voteread
2025-04-23Earnings Release, Exhibitsread
2025-01-22Earnings Release, Exhibitsread
2024-10-22Officer / Director Changeread
2024-10-16Earnings Release, Exhibitsread
2024-09-23Officer / Director Changeread

Insider Trades

DateInsiderRoleActionSharesValue
2026-08-14Arizmendi MaritzaChief Financial OfficerSell10.00K$533.48K
2026-08-12De Jesus NestorSell4.00K$212.00K
2026-07-24FERNANDEZ JOSE RAFAELCEO; Chairman BODSell52.35K$2.75M
2026-05-19Rodriguez Mari EvelynChief Retail Banking OffiOption exercise8.75K—
2026-05-19Rodriguez Mari EvelynChief Retail Banking OffiWithheld for tax1.96K$89.51K
2026-04-23FERNANDEZ JOSE RAFAELCEO; Chairman BODGift10.00K—

Flow & Concentration

Insider 180d net-$3.49M
Insider buys / sells0 / 3
Insider biasSellers
13F holders8
Top-5 share98.2%
HHI5,744 (concentrated)

Top Holders

HolderValueShares
State Street Corp$122.99M2.49M
Millennium Management$21.36M435.22K
AQR Capital Management$13.71M279.47K
Citadel Advisors$2.55M52.07K
Fidelity / FMR LLC$2.14M43.53K
Capital Research / Capital World$2.13M43.36K
Renaissance Technologies$884.93K18.03K
T. Rowe Price Group$10.78K219.73K

As of 2026-06-30

SEC Filings

DateFormDoc
2026-08-144view
2026-08-144view
2026-08-0610-Qview
2026-07-284view
2026-07-218-Kview
2026-06-2511-Kview
2026-05-214view
2026-05-134view
2026-05-0810-Qview
2026-05-064view
2026-05-014view
2026-04-284view
2026-04-284view
2026-04-244view
2026-04-238-Kview

The Long Run

FY 2011–2025 · 15 years

LineLatestCAGRTrend
Revenue$0—
Net income$205.10M+13.6%
Cash from ops$217.72M+2.9%

Indices

S&P SmallCap 600

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$51.92$52.44$51.92$51.94235.50K
Sep 24$51.87$51.95$51.34$51.74234.40K
Sep 23$51.69$52.27$51.41$51.56290.10K
Sep 22$52.56$52.79$51.67$51.70243.20K
Sep 21$52.73$52.90$52.20$52.24221.00K

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