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Stock Ratings / Financials / OFG / options
SRCE (63) HTH (35) WAFD (53) TBBK (61) ⌘ Pro Terminal →

OFG Bancorp (OFG) Options Positioning, Max Pain & Unusual Sweeps

$50.01 -1.71% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $49.76

OFG Bancorp (OFG) carries a Roarable Rating of C+ (Hold) with 67/100 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 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →
ROARABLE C+ • HOLD / WATCH Cap $2.15B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on OFG Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is OFG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, OFG Bancorp (NYSE: OFG) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $50.01 (-1.71% 1D, market cap $2.15B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, OFG ranks #213 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does OFG compare to SRCE and HTH in the Financials sector?
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Within the Financials sector (Major Banks), OFG carries a Roarable C+ (67/100 RQD), trailing P/E of 10.5x, gross margin of —, and ROIC of 14.8%. By comparison, SRCE (1st Source Corporation) holds a C grade (63/100 RQD, P/E N/A, ROIC —, cap $2.13B) and HTH (Hilltop Holdings Inc.) posts a D- grade (35/100 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).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for OFG?
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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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $49.76 (-0.50%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510067
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
Cash (13)Whales (11)SEC (13)Macro (13)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+4.1% Base Target
$61 Bull$52 Base$41 Bear
📬 FREE OFG RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OFG)Realized 20D OHLCV Swing Band: ±4.5%
Deterministic 5-Pillar Attribution (67/100 Composite)
🔍 WHY OFG SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% 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 (19% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
75
Grade B+$50.84+2.7% Next Q
Q2 (-2Q)
72
Grade B$52.19-1.3% Next Q
Q3 (-1Q)
70
Grade B$51.51-2.9% Next Q
Current
67
Grade C+$50.01+1.6% Hist 90D α
Trajectory: B+ (75) → C+ (67)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 67/100 (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 ($51.69) or 200D SMA ($46.82) invalidates the momentum regime and cuts Target Base ($52.04) toward Bear Floor ($40.59).

🎲 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 67%NO 33%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±4.5%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (OFG)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for OFG.

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FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

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Whale Flow & Momentum Playbook: Evaluating OFG & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on OFG
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
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: +10.81%🛡️ HOLDING TREND SUPPORT
2026-11-02O $50.75H $50.88L $50.01C $50.01VOL 370.3K
RES: $53.37SUP: $49.80SMA50: $51.69SMA200: $46.82
$55.37$51.66$47.95$44.24$40.53RES $53.37SUP $49.80$50.012026-05-042026-06-172026-08-042026-09-172026-11-02
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 #213 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 #213 by composite RQD confidence (67/100, 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. OFG currently leads its immediate peer cohort in composite quantitative strength at 67/100 (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+ 67/100 10.5x — 14.8% -1.71% $2.15B Benchmark Subject
SRCE
1st Source Corporation
C 63/100 — — — -0.92% $2.13B /srce-vs-ofg →
HTH
Hilltop Holdings Inc.
D- 35/100 12.7x — 7.7% -0.38% $2.12B /hth-vs-ofg →
WAFD
WaFd Inc.
D+ 53/100 9.7x — 7.5% -1.04% $2.19B /wafd-vs-ofg →
TBBK
The Bancorp Inc
C- 61/100 9.0x — 33.1% -7.46% $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 2026-11-02, OFG Bancorp (NYSE: OFG) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $50.01 (-1.71% 1D, market cap $2.15B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, OFG ranks #213 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+ (67/100 RQD), trailing P/E of 10.5x, gross margin of —, and ROIC of 14.8%. By comparison, SRCE (1st Source Corporation) holds a C grade (63/100 RQD, P/E N/A, ROIC —, cap $2.13B) and HTH (Hilltop Holdings Inc.) posts a D- grade (35/100 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 $50.01 (-1.71% on volume of 282,921 shares), positioning the stock -3.25% below its 50-day simple moving average ($51.69) and +6.81% above its 200-day simple moving average ($46.82). Across its 52-week range of $35.71 to $54.47, OFG sits at the 76.2% percentile with a 14-day RSI of 47.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($47.76 to $52.26).

OFG Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is OFG's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for OFG.

Direct Sub-Reports: OFG RQD Cockpit OFG 12M Forecast OFG Earnings & Move OFG Dividends & DRIP OFG Insiders & 13F OFG Whale Options OFG Profit Sankey OFG News & Why
ROARABLE RATING BRIEF • RQD 67/100 (C+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

OFG — OFG Bancorp: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:26:36Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, OFG scores 67 out of 100, a C+ grade, with the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The Fundamental Cash Engine pillar scores 13 of 20, supported by an ROIC of 14.8% and an FCF yield of 9.27%, which points to strong cash generation relative to the share price. The Whale 13F Flow pillar scores 11 of 20, indicating institutional accumulation and options positioning that is weaker than the cash metrics. The Insider Conviction pillar scores 17 of 20, the highest of the five, reflecting SEC Form 4 and Congressional PTR cluster flow. The Macro Regime Fit pillar scores 13 of 20 with a Beta of 1.0 and sector sensitivity noted. The Forensic Balance Sheet pillar scores 13 of 20, supported by an Altman Z-Score of 2.5, a Piotroski F-Score of 5/9, and a Debt/Equity ratio of 0.5. For a prospective investor, the upside drivers are the cash-yield profile and the insider-flow signal; the valuation tradeoff is that the stock trades at a P/E (TTM) of 10.5 and a Forward P/E of 9.8 while the institutional-flow pillar is comparatively soft; the rating's "Watch for Breakout" framing suggests the rating agency sees the setup as neutral pending confirmation. This is an analytical reading of the rating, not personalized financial advice.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$0.0M$0.0M$205.1MN/A$199.3M$1040.3MN/A
FY 2024$0.0M$0.0M$198.2MN/A$231.2M$591.1MN/A
FY 2023$0.0M$0.0M$181.9MN/A$295.7MN/AN/A

Per the SEC financials, net income rose from $181.9M in FY 2023 to $205.1M in FY 2025, while FCF declined from $295.7M to $199.3M over the same span, and reported cash increased to $1040.3M in FY 2025. Per the market data, gross, operating, and net margins are each listed as 0%, which the source does not meaningfully resolve, so margin analysis is limited. Per the Roarable RQD rating, ROIC is 14.8%, the Altman Z-Score is 2.5, and the Piotroski F-Score is 5/9. The Debt/Equity ratio of 0.5 per the RQD forensic pillar indicates a moderate leverage posture.

Recent Catalysts & News Wire Analysis

  • Yahoo Finance headline "Why OFG Bancorp (OFG) is a Great Dividend Stock Right Now" (MARKET WIRE, YELLOW), 1h ago.
  • Seeking Alpha item "OFG Bancorp 2026 Q3 - Results - Earnings Call Presentation" dated 2026-10-21 (MARKET WIRE, YELLOW), 3h ago.
  • Yahoo Finance "OFG Bancorp (OFG) Stock Gains Ground After Strong Q3 Earnings" (CATALYST, GREEN), 6h ago.
  • TradingView "OFG Bancorp (NYSE:OFG) misses Q3 2026 sales expectations" (RISK WATCH, RED), 9h ago.
  • Investing.com "OFG Bancorp earnings beat by $0.10, revenue fell short of estimates" (CATALYST, GREEN), 12h ago.
  • Benzinga "OFG Bancorp Q3 2026 Earnings Call Transcript" (MARKET WIRE, YELLOW), 15h ago.

The news wire contains mixed signals: the catalyst items reference an earnings beat and post-earnings stock gains, while the single RISK WATCH item flags a revenue shortfall versus expectations. Per the Butterfly Supply-Chain Graph, no proprietary signals or supply-chain links are recorded.

Open Questions

  • What are OFG's revenue and operating income figures, given that the financials show $0.0M for both across all reported periods?
  • What is the reported EPS for the financial periods, as the source lists N/A for each year?
  • What is the debt level underlying the stated Debt/Equity ratio of 0.5, since debt is N/A in every period?
  • What was the magnitude and nature of the revenue shortfall flagged in the RISK WATCH headline, and how does it reconcile with the earnings-beat headlines?
  • Who holds the shares, and what are the 13F and insider positions behind the Insider Conviction pillar score?

OFG Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for OFG Bancorp (OFG) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to OFG Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

OFG Bull vs. Bear Conversation Board — What's Your Call at $50.01?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON OFG 🐻 50% BEARISH CONVICTION
1. Pick Your Side on OFG:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $54.95 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is OFG (C+ • RQD 67/100) a Buy at $50.88?

Welcome to the OFG (OFG Bancorp) Roar Pit. Current RQD Composite is 67/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Major Banks. Bulls point to capital efficiency (14.8% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $42.23 (-17.0%)
Spot @ $50.88

Pump the brakes on OFG — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on OFG, but look at what you are paying: 10.5x trailing P/E with tightening sector spreads. Unless OFG Bancorp expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $58.51 (+15.0%)
Spot @ $50.88

OFG cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on OFG, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $50.88 (52-wk range $35.71 - $54.47), any beat on forward guidance forces shorts and underweight funds to chase.

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