OFG · Ofg Bancorp
Price & Indicators
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AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative 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 |
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| Cash & Cash Equivalents (EOP) | 745.7M | 2Q26 | — |
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| CET1 ratio | 14.07% | 2Q26 | — |
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| Customer Deposits (EOP) | $9.74B | 2Q26 | — |
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| Efficiency ratio | 54.04% | 2Q26 | — |
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| Net charge-offs | 28.8M | 2Q26 | — |
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| Net interest margin | 5.45% | 2Q26 | — |
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| Non-performing loans | 67.3M | 2Q26 | — |
| Non-performing loans (% of average loans) | 0.81% | 2Q26 | — |
| Return on average assets | 1.93% | 2Q26 | — |
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| Return on average tangible common stockholders' equity | 17.94% | 2Q26 | — |
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| Tangible Book Value per share | $31.12 | 2Q26 | — |
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| Total Borrowings & Brokered Deposits (EOP) | 795.5M | 2Q26 | — |
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| Early delinquency rate | 2.21% | 1Q26 | — |
| Loans Held for Investment (EOP) | $8.24B | 1Q26 | — |
| Net charge-offs (percentage of average loans) | 1.05% | 1Q26 | — |
| New Loan Production | $608.9M | 1Q26 | — |
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| Nonperforming loan rate | 1.47% | 1Q26 | — |
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| Tangible Common Equity ratio | 10.66% | 1Q26 | — |
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| Total Investments (EOP) | $2.79B | 1Q26 | — |
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| Allowance as a % of loans held for investment | 2.47% | 4Q25 | — |
| Allowance for credit losses | 202.34M | 4Q25 | — |
| Full-time equivalent employees, period end | 2,185 | 4Q25 | — |
| Net charge-off rate | 1.32% | 4Q25 | — |
| Pre-Provision Net Revenues | $79.3M | 4Q25 | — |
| Total core revenues non-GAAP | $729.8M | Full Year 2025 | — |
| Total delinquency rate | 4.18% | 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 |
|---|---|---|---|---|---|
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OFG
this stock
Ofg Bancorp
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$2.28B | +31.6% | — | 10.6 | 3.9% |
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MFG
Mizuho Financial Group Inc
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$132.42B | +48.5% | — | — | 0.1% |
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HDB
Hdfc Bank Ltd
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$120.05B | -36.0% | +15.2% | — | 0.5% |
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IBN
Icici Bank Ltd
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$108.39B | -0.2% | — | — | 0.5% |
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PNC
Pnc Financial Services Group, Inc.
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$102.52B | +23.1% | +7.2% | 14.1 | 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 sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OFG | +3.2% | +7.8% | +30.4% | +2.1% | +31.7% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +2.8% | +3.3% | +16.6% | -1.9% | +17.8% |
Capital returns
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.