MARKET WIREYahoo • 3d ago
OFG: 3 Key Takeaways for Long-Term InvestorsAsset quality improved materially as commercial lending accelerated, giving the bank operational flexibility to return capital to shareholders.
Why OFG Stock advanced +0.26% Today — RQD Quant Desk Flash
$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.
ROARABLE C • HOLD / WATCH
Cap $2.15B
INTERACTIVE SCENARIO DECK:
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
55
Q2 (-2Q)Grade C$52.64-2.6% Next Q
58
Q3 (-1Q)Grade C$51.27-0.8% Next Q
60
CurrentGrade C$50.88+0.9% Hist 90D α
63
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why OFG Stock advanced +0.26% Today — RQD Quant Desk Flash
OFG Bancorp (OFG) advanced +0.26% to $50.88, trading at 81% of its 52-week range ($35.71 – $54.47). Solid steady margins (15% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 81% of its 52-week range ($35.71 – $54.47) with RSI-14 at 40.4 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.6% around $50.88 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $199.3M annual free cash flow.
Live OFG Headlines & Catalysts
CATALYSTYahoo • 9d ago
OFG (OFG) Upgraded to Buy: Here's What You Should KnowOFG (OFG) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
CATALYSTYahoo • 10d ago
OFG Bancorp (OFG) Stock Gains Ground After Strong Q3 EarningsOFG Bancorp walked into Q3 2026 earnings with a stock that had drifted over the past month, then instantly caught a bid. The share price was up about 2% in Thursday trading as investors reacted to fresh numbers. The head
MARKET WIREYahoo • 10d ago
OFG Q3 deep dive: margin resilience and digital adoption offset flat revenuePuerto Rican financial services company OFG Bancorp (NYSE:OFG) missed Wall Street’s revenue expectations in Q3 2026, with sales flat year on year at $185.7 million. Its non-GAAP profit of $1.33 per share was 8.3% above a
MARKET WIREYahoo • 11d ago
OFG Bancorp Q3 2026 Earnings Call SummaryMoby summary of OFG Bancorp's Q3 2026 earnings call
MARKET WIREFintel • 11d ago
OFG Bancorp Reports 3Q26 ResultsCATALYSTYahoo • 11d ago
OFG Bancorp (OFG) Q3 2026 Earnings Call TranscriptCommercial lending expansion drives 14.7% EPS growth as digital adoption accelerates.
MARKET WIREYahoo • 11d ago
OFG Bancorp Q3 Earnings Call HighlightsOFG Bancorp (NYSE:OFG) reported third-quarter 2026 earnings per share of $1.33, up 15% from a year earlier, as commercial loan growth, expense discipline and stable credit performance supported results. Chief Executive O
CATALYSTYahoo • 11d ago
Are You Looking for a High-Growth Dividend Stock?Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does OFG (OFG) have what it takes? Let's find out.
RISK WATCHYahoo • 11d ago
OFG Bancorp (NYSE:OFG) misses Q3 2026 sales expectationsPuerto Rican financial services company OFG Bancorp (NYSE:OFG) missed Wall Street’s revenue expectations in Q3 2026, with sales flat year on year at $185.7 million. Its GAAP profit of $1.33 per share was 8.3% above analy
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (OFG Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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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
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 0001030469In 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 ENABLEDIs 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).
OFG Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is OFG stock moving today?
Why OFG Stock advanced +0.26% Today — RQD Quant Desk Flash. Solid steady margins (15% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.