OFG · Ofg Bancorp
$51.61
-1.44 (-2.71%)
At close · Aug 19
Market Cap
$2.26B
Shares
42.27M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$51.61
Open$52.95
Day$51.41–52.95
52W close$37.15–53.95
Avg vol 30d281K
Short int1.6M · 3.9% float · 4.7d
Short vol54%
Last earningsJul 21, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+17%
above
Price vs 50-day avg
+2%
above
RSI (14)
47
neutral
MACD trend
Negative
52-week position
86%
near high
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+23%
trailing
YTD return
+26%
this year
Relative strength
+12%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $51 › 200d $44 — 50d above 200d
Institutional flow
Accumulating
+8% holders QoQ · +49 funds added
Insider flow
Distributing
Net -$3.5M over 90 days · 100% sells
Short interest
Falling
3.90% of float · ▼ -6.3% MoM · 4.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
258 holders — near 3-yr high, broad support
Squeeze score
54
elevated · 0–100
Fundamentals
EPS growth
+8%
Y/Y
Free cash flow
$199.3M
Valuation
P/E 10.5
below peers
Buyback
$193.6M
remaining
Balance sheet
$1.0B
net cash
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−18%
past year
ATR
2.0%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
Net interest margin
· 2026
5.1% – 5.2%
Noninterest expenses
· 2026
$380M – $385M
Effective tax rate
· 2026
22.3%
Prior guidance
period ended
· from the Earnings Call filed Jun 30, 2025
Quarterly noninterest expenses
· 2025
$95M – $96M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+17%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
47
Neutral
MACD trend
Negative
Bearish
52-week position
86%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $51 › 200d $44 — 50d above 200d
Institutional flow
Accumulating
+8% holders QoQ · +49 funds added
Insider flow
Distributing
Net -$3.5M over 90 days · 100% sells
Short interest
Falling
3.90% of float · ▼ -6.3% MoM · 4.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
258 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $37
Now $52 · 86%
Range high $54
vs 200-day avg +17%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance coverage ratio | 2.27% | Q2 2026 | — |
| Allowance for credit losses | 188.26M | Six-month period ended June 30, 2026 | — |
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| Average common shares outstanding | 42.52M | Six-month period ended June 30, 2026 | — |
| Average common shares outstanding and equivalents | 42.4M | Q2 2026 | — |
| Average tangible common equity (Non-GAAP) non-GAAP | $1.31B | Q2 2026 | — |
| Book value per common share (period end) | $33.3 | Six-month period ended June 30, 2026 | — |
| Cash & Cash Equivalents (EOP) | $745.7M | Q2 2026 | — |
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| CET1 ratio non-GAAP | 14.07% | Q2 2026 | — |
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| Common equity Tier 1 capital ratio non-GAAP | 14.07% | Quarter Ended June 30, 2026 | — |
| Common shares outstanding at end of period | 42.27M | Q2 2026 | — |
| Customer Deposits (EOP) | $9.74B | Q2 2026 | — |
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| Early delinquency rate (30 - 89 days past due) | 2.51% | Q2 2026 | — |
| Efficiency ratio | 52.52% | Six-month period ended June 30, 2026 | — |
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| Full-time equivalent employees, period end | 2,185 | Six-month period ended June 30, 2026 | — |
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| Leverage ratio non-GAAP | 11.23% | Q2 2026 | — |
| Loans Held for Investment (EOP) | $8.3B | Q2 2026 | — |
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| Net charge-off rate | 1.22% | Six-month period ended June 30, 2026 | — |
| Net Charge-off Rates — Total | 1.4% | 2026 Q2 | — |
| Net charge-offs | 50.17M | Six-month period ended June 30, 2026 | — |
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| New Loan Production | $755M | Q2 2026 | — |
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| Non-performing loans | $67.3M | Q2 2026 | — |
| Nonperforming Loan Rates — Total loans | 0.89% | 2026 Q2 | — |
| Nonperforming PCD Loan Rates — Total | 0.03% | 2026 Q2 | — |
| Pre-Provision Net Revenues | 178.77M | Six-month period ended June 30, 2026 | — |
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| Return on average assets | 1.86% | Six-month period ended June 30, 2026 | — |
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| Return on average tangible common stockholders' equity | 17.18% | Six-month period ended June 30, 2026 | — |
| Tangible assets (Non-GAAP) non-GAAP | $12.06B | Q2 2026 | — |
| Tangible book value per common share (period end) non-GAAP | $31.12 | Six-month period ended June 30, 2026 | — |
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| Tangible common equity (Non-GAAP) non-GAAP | $1.32B | Q2 2026 | — |
| Tangible Common Equity ratio non-GAAP | 10.9% | Q2 2026 | — |
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| Tier 1 risk-based capital ratio non-GAAP | 14.07% | Q2 2026 | — |
| Total Borrowings & Brokered Deposits (EOP) | $795.5M | Q2 2026 | — |
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| Total core revenues | 376.08M | Six-month period ended June 30, 2026 | — |
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| Total delinquency rate (30 days and over) | 3.68% | Six-month period ended June 30, 2026 | — |
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| Total Investments (EOP) | $2.7B | Q2 2026 | — |
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| Total nonperforming assets | $72.96M | Q2 2026 | — |
| Total nonperforming loan rate | 0.81% | Q2 2026 | — |
| Total nonperforming loans | $67.31M | Q2 2026 | — |
| Total risk-based capital ratio non-GAAP | 15.33% | Quarter Ended June 30, 2026 | — |
| Early delinquency rate | 2.21% | 1Q26 | — |
| Net charge-offs (percentage of average loans) | 1.05% | 1Q26 | — |
| Net interest margin | 5.36% | 1Q26 | — |
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| Nonperforming loan rate | 1.47% | 1Q26 | — |
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| Allowance as a % of loans held for investment | 2.47% | 4Q25 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
OFG
this stock
Ofg Bancorp
|
$2.26B | +25.9% | — | 10.5 | 3.9% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OFG | -2.4% | -1.0% | +23.3% | -2.4% | +25.9% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.0% | -3.9% | +11.8% | -5.3% | +13.2% |
Capital returns
Latest dividend
$0.35
/ share · ex Jun 30, 2026
Declared · upcoming
$0.35
/ share · ex Sep 30, 2026
Paid (TTM)
$1.00
/ share · 3 payouts
Dividend yield (TTM, derived)
1.94%
Buyback programs
· 2 active
· as of Jun 30, 2026
Authorized (total)
$300.00M
Spent (derived)
$106.40M
Remaining
$193.60M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.