OFG · Ofg Bancorp
$51.29
+0.60 (+1.18%)
At close · Oct 2
Return incl. dividend (before tax)
Market Cap
$2.20B
Shares
42.27M
Volume · Oct 2
198.33K
Avg daily vol (3M)
274.94K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$51.29
Open$50.95
Day$50.61–51.55
52W close$37.15–53.95
Avg vol 30d265K
Short int2.1M · 4.9% float · 9.2d
Short vol63%
Last earningsOct 21, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 6
Up next
Next earnings release
Oct 21, 2026
Announced
· in 2 wks
Next earnings call
Oct 21, 2026
Scheduled
· in 2 wks
filed Aug 6, 2026
call held Apr 21, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
—
Trailing 12 months
Net income (TTM)
—
Trailing 12 months
Revenue growth YoY
—
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
2.0%
Trailing 12 months
Shares change YoY
—
Year over year · more shares
Price change (1Y)
+20.7%
Trailing year
Short interest
4.9%
Latest settlement · 9.2 days to cover
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+12%
above
Price vs 50-day avg
−2%
below
RSI (14)
45
neutral
MACD trend
Negative
52-week position
84%
mid-range
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+19%
trailing
YTD return
+25%
this year
Relative strength
+7%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $52 › 200d $46 — 50d above 200d
Institutional flow
Flat
1 of 262 funds reported for Sep 30 · net 0 sh shares
Insider flow
Distributing
Net -$3.5M over 90 days · 100% sells
Short interest
Rising
4.92% of float · ▲ +26.3% MoM · 9.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
262 holders — near 3-yr high, broad support
Squeeze score
73
high risk · 0–100
Fundamentals
EPS growth
+8%
Y/Y
Free cash flow
$199.3M
Valuation
P/E 10.2
below peers
Buyback
$193.6M
remaining
Balance sheet
$545.7M
net cash
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
1.9%
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
for the year
Net interest margin
5.1% – 5.2%
Noninterest expenses
$380M – $385M
2026
Effective tax rate
22.3%
full year
NIM (net interest margin)
5.1% – 5.2%
the year
Net charge-off rate
1%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+12%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
45
Neutral
MACD trend
Negative
Bearish
52-week position
84%
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $52 › 200d $46 — 50d above 200d
Institutional flow
Flat
1 of 262 funds reported for Sep 30 · net 0 sh shares
Insider flow
Distributing
Net -$3.5M over 90 days · 100% sells
Short interest
Rising
4.92% of float · ▲ +26.3% MoM · 9.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
262 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $37
Now $51 · 84%
Range high $54
vs 200-day avg +12%
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 |
|---|---|---|---|
| Auto loans production | $188.4M | Second quarter of 2026 filing | — |
| Average compensation per employee | $75.59K | Quarter Ended June 30, 2026 filing | — |
| Average loans per average employee | $3.78M | Quarter Ended June 30, 2026 filing | — |
| Average number of employees | 2,179 | Quarter Ended June 30, 2026 filing | — |
| CET1 ratio | 14.07% | second quarter of 2026 filing | — |
| Commercial loan production | $428.7M | Second quarter of 2026 filing | — |
| Compensation and benefits to non-interest expense | 40.04% | Quarter Ended June 30, 2026 filing | — |
| Compensation to average total assets owned | 1.36% | Quarter Ended June 30, 2026 filing | — |
| Consumer loan production | $82.3M | Second quarter of 2026 filing | — |
| Customer Deposits | $9.74B | second quarter of 2026 filing | — |
| Efficiency ratio | 54.04% | second quarter of 2026 filing | — |
| Interest rate spread | 5.26% | Quarter Ended June 30, 2026 filing | — |
| Loans Held-for-Investment | $8.3B | second quarter of 2026 filing | — |
| Mortgage loan production | $55.6M | Second quarter of 2026 filing | — |
| Net charge-offs | -$28.79M | Quarter Ended June 30, 2026 filing | — |
| Net charge-offs (NCOs) | $28.8M | second quarter of 2026 filing | — |
| New loan production | $755M | second quarter of 2026 filing | — |
| Non-performing loans (NPLs) | $67.3M | second quarter of 2026 filing | — |
| Number of employees end of period | 2,185 | Quarter Ended June 30, 2026 filing | — |
| Pre-Provision Net Revenues non-GAAP | $87.5M | second quarter of 2026 filing | — |
| Return on average assets | 1.93% | second quarter of 2026 filing | — |
| Return on average tangible common stockholders' equity non-GAAP | 17.94% | second quarter of 2026 filing | — |
| Tangible Book Value per share non-GAAP | $31.12 | second quarter of 2026 filing | — |
| Tangible Common Equity ratio non-GAAP | 10.9% | second quarter of 2026 filing | — |
| Tax-equivalent net interest income non-GAAP | 161.37M | quarter ended June 30, 2026 filing | — |
| Total Borrowings and Brokered Deposits | $795.5M | second quarter of 2026 filing | — |
| Total core revenues non-GAAP | $190.3M | second quarter of 2026 filing | — |
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
|
$2.20B | +25.2% | — | 10.2 | 4.9% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
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 | -1.3% | -2.9% | +19.0% | +2.4% | +25.2% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -1.0% | -2.4% | +6.8% | +1.5% | +12.3% |
Capital returns
Latest dividend
$0.35
/ share · ex Sep 30, 2026
Paid (TTM)
$1.05
/ share · 3 payouts
Dividend yield (TTM, derived)
2.05%
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.