OFG
OFG Bancorp
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
+19/100
Last price
50.84
▼ 0.13 (0.26%)
MARKET · —
Price
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Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
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Range —
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Open
—
Prev close
50.97
Day high
51.56
Day low
50.60
Volume
178.56K
Market cap
$2.15B
P/E (TTM)
10.05
52W range
35.71 – 54.47
Trailing performance
Returnvs SPY
1W
+0.73%
-1.2%
1M
-4.47%
-5.6%
3M
+4.14%
-0.4%
6M
+21.89%
+3.7%
YTD
+24.06%
+9.8%
1Y
+19.20%
+2.8%
3Y
+70.26%
-12.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
10 more panels on OFG open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-36.80K
Net selling
Buy transactions
8
29.55K shares
Sell transactions
3
66.35K shares
Net transactions
+11
Buys less sells
Sell : buy shares
2.2 : 1
Mixed
Insider-held shares
408.28K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 15, 26 | FERNANDEZ JOSE RAFAEL Chief Executive Officer |
STOCK | 10.00K | $0 | Direct |
| Sep 9, 26 | FERNANDEZ JOSE RAFAEL Chief Executive Officer |
STOCK | 600 | $0 | Direct |
| Aug 26, 26 | GARCIA RODRIGUEZ ROBERTO Director |
STOCK | 50 | $0 | Direct |
| Aug 26, 26 | GRINDSTAFF LYNDA Director |
STOCK | 50 | $0 | Direct |
| Aug 26, 26 | GARCIA RODRIGUEZ ROBERTO Director |
CONVERSION | 50 | $2.61K | Direct |
| Aug 26, 26 | GRINDSTAFF LYNDA Director |
CONVERSION | 50 | $2.61K | Direct |
| Aug 14, 26 | ARIZMENDI MARITZA Chief Financial Officer |
SELL | 10.00K | $533.48K | Direct |
| Aug 12, 26 | DE JESÚS NÉSTOR Director |
SELL | 4.00K | $212.00K | Direct |
| Jul 24, 26 | FERNANDEZ JOSE RAFAEL Officer and Director |
SELL | 52.35K | $2.75M | Direct |
| May 19, 26 | RODRIGUEZ MARI EVELYN Officer |
— | 8.75K | — | Direct |
| Apr 23, 26 | FERNANDEZ JOSE RAFAEL Chief Executive Officer |
STOCK | 10.00K | $0 | Direct |
| Mar 10, 26 | FERNANDEZ JOSE RAFAEL Chief Executive Officer |
STOCK | 5.15K | $0 | Direct |
| Mar 10, 26 | ORTIZ CESAR A Officer |
STOCK | 717 | $0 | Direct |
| Mar 10, 26 | RODRIGUEZ MARI EVELYN Officer |
STOCK | 717 | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ARIZMENDI MARITZA |
Chief Financial Officer | 56.68K | Sale |
COLON-GERENA JORGE |
Director | 28.89K | Stock Award(Grant) |
DE JESÚS NÉSTOR |
Director | 20.04K | Sale |
FERNANDEZ JOSE RAFAEL |
Chief Executive Officer | 142.06K | Stock Gift |
GARCIA ADA |
Officer | 37.28K | Stock Award(Grant) |
GONZALEZ HUGH |
General Counsel | 16.50K | Stock Award(Grant) |
HAGGARTY PATRICK J |
Officer | 30.26K | Stock Award(Grant) |
HARNETT SUSAN S |
Director | 8.47K | Stock Award(Grant) |
RODRIGUEZ MARI EVELYN |
Officer | 13.77K | Conversion of Exercise of derivative security |
VELEZ-DOMINGUEZ RAFAEL A |
Director | 11.86K | Stock Award(Grant) |
Fundamentals
Market cap$2.15B
Enterprise value$1.98B
Revenue (TTM)$651.16M
Gross profit$651.16M
EBITDA—
Net income$220.44M
EPS (TTM)$5.06
Free cash flow—
Total cash$745.73M
Total debt$577.99M
Book value / share$33.30
Shares outstanding42.27M
Float41.85M
Short % of float7.13%
Dividend yield2.66%
Beta (5Y)0.75
Valuation & profitability ratios
Trailing P/E10.05
Forward P/E9.93
PEG ratio0.92
Price / sales—
Price / book1.53
EV / revenue3.04
EV / EBITDA—
Gross margin0.00%
Operating margin43.32%
Profit margin33.85%
Return on equity16.08%
Return on assets1.81%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $680.22M | $660.94M | $640.14M | $565.01M | +2.9% |
| Operating revenue | $680.22M | $660.94M | $640.14M | $565.01M | +2.9% |
| Selling, general & admin | $186.57M | $178.53M | $176.42M | $161.07M | +4.5% |
| Pre-tax income | $234.12M | $253.75M | $265.25M | $244.10M | -7.7% |
| Tax provision | $29.01M | $55.58M | $83.38M | $77.87M | -47.8% |
| Net income | $205.10M | $198.17M | $181.87M | $166.24M | +3.5% |
| Net income to common | $205.10M | $198.17M | $181.87M | $166.24M | +3.5% |
| Basic EPS | 4.60 | 4.25 | 3.85 | 3.46 | +8.2% |
| Diluted EPS | 4.58 | 4.23 | 3.83 | 3.44 | +8.3% |
| Basic shares | 44.55M | 46.64M | 47.26M | 48.03M | -4.5% |
| Diluted shares | 44.76M | 46.90M | 47.55M | 48.44M | -4.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.04B | $591.14M | $748.17M | $550.31M | — | +76.0% |
| Accounts receivable | — | $71.67M | $71.40M | $62.40M | $56.56M | — |
| Property, plant & equipment | $114.81M | $123.71M | $125.83M | $132.18M | — | -7.2% |
| Goodwill & intangibles | $160.43M | $169.46M | $154.46M | $162.75M | — | -5.3% |
| Total assets | $12.47B | $11.50B | $11.34B | $9.82B | — | +8.4% |
| Current debt | $56.58M | $270.95M | $768.00K | $26.72M | — | -79.1% |
| Long-term debt | $400.01M | $55.00M | $200.00M | $318.00K | — | +627.3% |
| Total debt | $479.75M | $347.34M | $224.80M | $54.40M | — | +38.1% |
| Total liabilities | $11.08B | $10.25B | $10.15B | $8.78B | — | +8.1% |
| Retained earnings | $904.63M | $771.99M | $639.32M | $516.37M | — | +17.2% |
| Shareholder equity | $1.39B | $1.25B | $1.19B | $1.04B | — | +10.8% |
| Net tangible assets | $1.23B | $1.08B | $1.04B | $879.65M | — | +13.3% |
| Shares issued | 59.89M | 59.89M | 59.89M | 59.89M | — | 0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $205.10M | $198.17M | $181.87M | $166.24M | +3.5% |
| Depreciation & amortisation | $25.39M | $26.79M | $27.29M | $24.31M | -5.2% |
| Stock-based compensation | $6.24M | $7.17M | $5.00M | $4.18M | -13.0% |
| Change in working capital | $110.95M | -$35.30M | $713.00K | -$6.52M | +414.3% |
| Operating cash flow | $217.72M | $252.50M | $295.66M | $164.46M | -13.8% |
| Capital expenditure | -$18.38M | -$41.71M | -$17.86M | -$31.00M | +55.9% |
| Investing cash flow | -$438.38M | -$335.98M | -$1.40B | -$1.51B | -30.5% |
| Share buybacks | -$91.60M | -$70.32M | -$18.65M | -$64.11M | -30.2% |
| Dividends paid | -$51.87M | -$45.65M | -$41.01M | -$30.09M | -13.6% |
| Financing cash flow | $669.86M | -$73.56M | $1.31B | -$124.70M | +1,010.7% |
| Free cash flow | $199.34M | $210.79M | $277.80M | $133.46M | -5.4% |
| End cash position | $1.04B | $591.14M | $748.17M | $550.46M | +76.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $175.60M | $174.81M | $174.39M | $171.23M | $167.91M | +0.4% |
| Operating revenue | $175.60M | $174.81M | $174.39M | $171.23M | $167.91M | +0.4% |
| Selling, general & admin | $47.56M | $47.55M | $49.68M | $45.73M | $45.52M | +0.0% |
| Pre-tax income | $74.48M | $68.79M | $47.42M | $61.37M | $65.88M | +8.3% |
| Tax provision | $15.71M | $14.86M | -$8.47M | $9.53M | $14.08M | +5.7% |
| Net income | $58.78M | $53.94M | $55.89M | $51.84M | $51.80M | +9.0% |
| Net income to common | $58.78M | $53.94M | $55.89M | $51.84M | $51.80M | +9.0% |
| Basic EPS | 1.39 | 1.26 | 1.28 | 1.17 | 1.15 | +10.3% |
| Diluted EPS | 1.39 | 1.26 | 1.27 | 1.16 | 1.15 | +10.3% |
| Basic shares | 42.26M | 42.79M | 43.65M | 44.43M | 44.85M | -1.2% |
| Diluted shares | 42.26M | 42.96M | 43.90M | 44.69M | 44.85M | -1.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $745.71M | $636.50M | $1.04B | $740.35M | $851.80M | — | +17.2% |
| Accounts receivable | — | — | — | $59.68M | $62.62M | $70.03M | — |
| Property, plant & equipment | $115.24M | $113.01M | $114.81M | $123.45M | $119.38M | — | +2.0% |
| Goodwill & intangibles | $159.99M | $160.34M | $160.43M | $162.76M | $165.15M | — | -0.2% |
| Total assets | $12.15B | $12.05B | $12.47B | $12.23B | $12.23B | — | +0.9% |
| Current debt | $456.53M | $56.58M | $56.58M | $56.53M | $1.53M | — | +706.9% |
| Long-term debt | — | $400.00M | $400.01M | $400.00M | $455.00M | $255.00M | — |
| Total debt | $477.91M | $478.67M | $479.75M | $481.21M | $475.88M | — | -0.2% |
| Total liabilities | $10.75B | $10.68B | $11.08B | $10.85B | $10.90B | — | +0.6% |
| Retained earnings | $976.95M | $938.35M | $904.63M | $866.83M | $833.19M | — | +4.1% |
| Shareholder equity | $1.41B | $1.37B | $1.39B | $1.38B | $1.33B | — | +3.0% |
| Net tangible assets | $1.25B | $1.21B | $1.23B | $1.21B | $1.17B | — | +3.4% |
| Shares issued | 42.27M | 59.89M | 59.89M | 59.89M | 59.89M | — | -29.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $58.78M | $53.94M | $55.89M | $51.84M | $51.80M | +9.0% |
| Depreciation & amortisation | $5.84M | $5.80M | $6.24M | $6.51M | $6.32M | +0.6% |
| Stock-based compensation | $1.61M | $1.39M | $1.62M | $1.46M | $1.53M | +16.2% |
| Change in working capital | -$72.93M | $21.63M | $130.60M | -$22.10M | -$23.30M | -437.1% |
| Operating cash flow | $53.20M | $73.12M | $59.21M | $39.50M | $35.93M | -27.3% |
| Capital expenditure | -$8.13M | -$4.36M | -$5.90M | -$3.99M | -$4.15M | -86.7% |
| Investing cash flow | -$52.26M | -$1.39M | $27.88M | -$60.08M | -$308.86M | -3,654.2% |
| Share buybacks | $0 | -$44.47M | -$40.11M | -$20.40M | -$7.70M | +100.0% |
| Dividends paid | -$14.89M | -$13.06M | -$13.36M | -$13.49M | -$13.57M | -14.0% |
| Financing cash flow | $108.27M | -$475.56M | $212.90M | -$90.87M | $414.12M | +122.8% |
| Free cash flow | $45.06M | $68.77M | $53.32M | $35.52M | $31.78M | -34.5% |
| End cash position | $745.71M | $636.50M | $1.04B | $740.35M | $851.80M | +17.2% |
Options analytics
Put / call volume
0.06
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
50.00
-1.7% from spot
ATM implied vol
12.5%
Nearest strike to spot
Skew (10% OTM)
-9.4%
Calls bid over puts
Call volume
18
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
55.00
0 contracts
Heaviest put OI
50.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.17 | 1.39 | +19.2% |
| Mar 2026 | 1.00 | 1.26 | +26.6% |
| Dec 2025 | 1.15 | 1.27 | +10.4% |
| Sep 2025 | 1.17 | 1.16 | -0.9% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.23 | 5 | $187.11M | +0.5% |
| Next quarter | 1.22 | 5 | $189.40M | +2.8% |
| Current year | 5.10 | 5 | $751.80M | +2.8% |
| Next year | 5.12 | 5 | $760.90M | +1.2% |
Analyst targets & ownership
Mean target$56.50
High target$58.00
Low target$55.00
Implied upside11.13%
Analyst count4
ConsensusHOLD
Strong buy / Buy0 / 1
Hold4
Sell / Strong sell0 / 0
Held by insiders0.97%
Held by institutions99.79%
Institutions holding363
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
51.08
-0.47% from price
SMA 20
51.76
-1.78% from price
SMA 50
52.29
-2.78% from price
SMA 100
50.12
+1.43% from price
SMA 200
45.91
+10.74% from price
EMA 12
51.23
-0.76% from price
EMA 26
51.64
-1.55% from price
EMA 50
51.48
-1.25% from price
RSI (14)
41.7
Neutral
MACD (12,26,9)
-0.41
Hist -0.12
ATR (14)
0.94
1.85% of price
Realised vol 30D
11.9%
Annualised
Bollinger upper
53.41
20, 2σ
Bollinger lower
50.11
20, 2σ
50 / 200 cross
Golden
52.29 vs 45.91
Trend bias
Above 200
+10.74%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.47
Less volatile than market
Correlation to SPY
0.25
Largely independent
Realised vol 30D
11.9%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.4%
Peak to trough
Max drawdown 5Y
-25.7%
Peak to trough
ATR 14
0.94
1.85% of price
Beta (reported)
0.75
5Y monthly, from filing
Short interest
Shares short
2.08M
Prior 1.50M
Change vs prior
+39.0%
Shorts adding
% of float
7.13%
Normal
% of shares out
4.92%
Against total outstanding
Days to cover
9.1
Crowded exit
Float
41.85M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 10, 26 | Wells Fargo | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 22, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 22, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Jul 15, 26 | Benchmark | INITIATED | — | Hold |
| Jul 13, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Jul 6, 26 | Wells Fargo | MAINTAINED | Equal-Weight | Equal-Weight |
| Apr 22, 26 | Wells Fargo | MAINTAINED | Equal-Weight | Equal-Weight |
| Apr 22, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Apr 22, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Jan 26, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Jan 23, 26 | Keefe, Bruyette & Woods | DOWNGRADE | Outperform | Market Perform |
| Oct 27, 25 | Wells Fargo | MAINTAINED | Equal-Weight | Equal-Weight |
Dividends & splits
Forward rate$1.35 / yr
Forward yield2.66%
5-year avg yield2.28%
Payout ratio25.64%
Ex-dividend dateSep 30, 2026
Next pay dateOct 15, 2026
Last split11:10
Split dateDec 29, 2004
SEC filings
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-21
Annual report of employee stock purchase
11-K · 2026-06-25
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-04-23
Corporate Changes & Voting Matters
8-K · 2026-04-21
Offering Registrations
S-1 · 2026-03-11
Periodic Financial Reports
10-K/A · 2026-03-05
Headlines
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Is OFG Bancorp (OFG) Still Below Fair Value After Its Earnings Estimate Upgrade?
Simply Wall St. · 14d ago
OFG Bancorp to Report 3Q26 Results and Hold Call Wednesday, October 21, 2026
Business Wire · 15d ago
Half-Yearly Report
GlobeNewswire · 15d ago
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PRIVATE STRATEGY · BY QUALIFICATION
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The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.