Stock Ratings / Financials / OFG / financials

SRCE (56) HTH (40) WAFD (70) TBBK (75) ⌘ Pro Terminal →

OFG Bancorp (OFG) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$50.88 +0.26% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $50.81

OFG Bancorp (OFG) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $2.15B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $50.81 (-0.14%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OFG)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY OFG SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 5% FCF Margin ($199.3M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$50.54+4.2% Next Q

Q2 (-2Q)

Grade C$52.64-2.6% Next Q

Q3 (-1Q)

Grade C$51.27-0.8% Next Q

Current

Grade C$50.88+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the OFG Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, OFG faces multiple-compression risk if 10.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($51.72) or 200D SMA ($46.77) invalidates the momentum regime and cuts Target Base ($52.02) toward Bear Floor ($40.58).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OFG• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “OFG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How OFG Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$199.3M (5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$205.1M	$199.3M	14.8%
FY 2024	$4.00B	52%	0%	$198.2M	$231.2M	14.8%
FY 2023	$4.00B	52%	0%	$181.9M	$295.7M	14.8%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring OFG)

✓Walkthrough of OFG's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

OFG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +10.70%🛡️ HOLDING TREND SUPPORT

2026-10-30O $51.07H $51.07L $49.84C $50.88VOL 282.9K

RES: $53.38SUP: $50.13SMA50: $51.72SMA200: $46.77

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OFG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OFG Butterfly Map → + Track OFG →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-0.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on OFG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OFG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for OFG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OFG)

Financials Rank #386 of 1096 ⚔️ SRCE vs OFG Full Matrix →

1. Head-to-Head Financials Peer Comparison (OFG vs. SRCE, HTH, WAFD, TBBK)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, OFG Bancorp (OFG) ranks #386 by composite RQD confidence (63/100, grade C) and #418 by equity capitalization ($2.15B). Within this direct 5-issuer industry benchmark cohort, TBBK leads on earnings valuation at 9.0x trailing P/E, while TBBK leads on capital efficiency and profitability with 33.1% ROIC and — gross margin. TBBK currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with OFG at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
OFG ACTIVE OFG Bancorp	C	63/100	10.5x	—	14.8%	+0.26%	$2.15B	Benchmark Subject
SRCE 1st Source Corporation	D+	56/100	—	—	—	+0.97%	$2.13B	/srce-vs-ofg →
HTH Hilltop Holdings Inc.	D-	40/100	12.7x	—	7.7%	+1.58%	$2.12B	/hth-vs-ofg →
WAFD WaFd Inc.	B-	70/100	9.7x	—	7.5%	+1.16%	$2.19B	/wafd-vs-ofg →
TBBK The Bancorp Inc	B	75/100	9.0x	—	33.1%	+0.20%	$2.06B	/tbbk-vs-ofg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001030469

In its most recent audited fiscal period (FY2025, filed 2025-12-31), OFG Bancorp (OFG) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $205.1M, operating cash flow of $217.7M, and free cash flow of $199.3M (-13.8% YoY). On the balance sheet, OFG closed FY2025 with $12.47B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$205.1M	$217.7M	$199.3M	$12.47B	—
FY2024 (FY)	2024-12-31	$0	$198.2M	$252.5M	$231.2M	$11.50B	—
FY2023 (FY)	2023-12-31	$0	$181.9M	$295.7M	$295.7M	—	—

3. OFG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OFG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, OFG Bancorp (NYSE: OFG) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $50.88 (+0.26% 1D, market cap $2.15B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, OFG ranks #386 in composite RQD confidence.

How does OFG compare to SRCE and HTH in the Financials sector?

Within the Financials sector (Major Banks), OFG carries a Roarable C (63/100 RQD), trailing P/E of 10.5x, gross margin of —, and ROIC of 14.8%. By comparison, SRCE (1st Source Corporation) holds a D+ grade (56/100 RQD, P/E N/A, ROIC —, cap $2.13B) and HTH (Hilltop Holdings Inc.) posts a D- grade (40/100 RQD, P/E 12.7x, ROIC 7.7%, cap $2.12B). Among the 5-stock peer group, TBBK leads on earnings multiple (9.0x) while TBBK leads on capital efficiency (33.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OFG?

Per OFG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001030469), OFG Bancorp generated $0 in revenue, $205.1M in net income, and $199.3M in free cash flow against $12.47B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OFG trading relative to its 50-day, 200-day, and 52-week technical levels?

OFG last traded at $50.88 (+0.26% on volume of 370,254 shares), positioning the stock -1.62% below its 50-day simple moving average ($51.72) and +8.79% above its 200-day simple moving average ($46.77). Across its 52-week range of $35.71 to $54.47, OFG sits at the 80.9% percentile with a 14-day RSI of 40.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($48.54 to $53.22).