Insider buying last 90 days
No open-market insider purchases were filed for OFG in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every OFG insider filing, plotted on the chart in Gekko.Open OFG in Gekko
NYSE: OFG
OFG Bancorp (OFG) Stock Analysis & Forecast
Oct 12 close
$50.84+0.30 (+0.6%)
Gekko Brief
AI summaryOct 12 closeThis week's news centers on OFG Bancorp's dividend hike and the approach of third-quarter results. The company raised its quarterly dividend to $0.35 per share, producing a 2.73% yield, and confirmed its third-quarter 2026 results will be released on 21 October. Coverage also notes shares recently crossed above the 200-day moving average, trading as high as $51.60, while analysts maintain a cautious "Hold" rating with an average price target near $55.20. Separate commentary points to the stock as potentially undervalued given its yield and year-to-date performance, following a second quarter in which diluted EPS rose 20.9% year-over-year and core revenue grew 4.5%.
OFG closed at $50.84, up 0.6%, sitting between its 50-day average of $52.13 and 200-day average of $46.07. The GekkoIndex reads 63.6, placing the stock in the Accumulation zone. Price sits 5.9% below the Gekko Fair Value of $54, with the 52-week range spanning $35.71 to $54.47.
The next earnings date falls on 21 October, eight days away, placing results inside a typical 20-trading-day holding window; the prior quarter saw EPS of $1.27 against a $1.16 estimate, with a -12.8% reaction. No insider, Congress or unusual options activity appears in the current windows. Seasonally, the next 20 trading days have averaged a 4.1% gain over five years, rising in four of them. Consensus among five analysts stands at one buy and four hold, with a target of $56.75.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
OFG Bancorp price vs fair value
Close $50.84200-day averageGekko Fair Value $54.00
OFG Bancorp quick facts
- Market cap
- $2.15B
- P/E ratio
- 10
- Forward P/E
- 7.4
- EPS, TTM
- $5.07
- Revenue, TTM
- $651.2M
- Profit margin
- 33.9%
- Dividend yield
- 2.58%
- Beta
- 0.75
- Volume
- 153,115 avg 283,226
- 1-year return
- +18.2%
- Typical daily move
- ±1.8%
- Typical 20-day move
- ±4.6%
- 50-day average
- $52.13
- 200-day average
- $46.07
- Next earnings
- Oct 21
- Shares outstanding
- 42.27M
OFG Bancorp swing-trade checklist
OFG Bancorp scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $50.84 sits between the 50-day ($52.13) and 200-day ($46.07) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
63.6, Accumulation
Reading 63.6 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
5.9% below
Price is 5.9% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 9 days
Reports on Oct 21, 2026, 9 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+4.1% on average
From this point in the calendar, the next 20 trading days averaged +4.1% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
OFG Bancorp stock chart and price history
OFG Bancorp closed at $50.84 on Oct 12, 2026, +18.2% over the past year, inside a 52-week range of $35.71 to $54.47.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −3.5%
- 3 months
- +2.0%
- 6 months
- +18.0%
- 1 year
- +18.2%
The full OFG chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open OFG in Gekko
Follow OFG Bancorp through every session
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About OFG Bancorp
OFG Bancorp is a financial holding company offering banking and related financial services to individuals and businesses. Its work spans everyday deposit accounts such as checking, savings, and time deposits, along with lending for commercial, consumer, auto, and mortgage purposes. The company is also known for extending into wealth management, including financial planning, insurance, trust administration, and retirement plan services.
The company organizes its work into three divisions: Banking, Wealth Management, and Treasury. Through its wealth management arm, it provides brokerage and investment advisory services to retail and institutional clients, covering fixed income products, mutual funds, stocks, bonds, and managed accounts, alongside insurance and reinsurance activities. Its Treasury division handles an investment portfolio of mortgage-backed securities, government agency obligations, and Treasury instruments, while also managing debt and equity placements, asset and liability strategies, interest rate risk, and borrowing activities.
Founded in 1964 and based in San Juan, Puerto Rico, OFG Bancorp serves customers through 50 branches across Puerto Rico and two additional branches in the U.S. Virgin Islands. Its shares are listed on the NYSE under the ticker OFG.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Major banks
- Website
- ofgbancorp.com
OFG Bancorp GekkoIndex: the smart money zone
OFG Bancorp’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 63.6, in the Accumulation zone, up 0.6 points over five sessions.
63.6Accumulation
Up 0.6 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 22 | +4.7% | +7.7% | ||
| Accumulation (current zone) | 180 | +0.4% | +2.6% | ||
| Neutral | 446 | 0.0% | +0.7% | ||
| Distribution | 31 | +1.0% | −1.6% | ||
| Selling | 3 | Too few readings yet | |||
Average OFG share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the OFG price, zone by zone.Track OFG in Gekko
Is OFG Bancorp stock overvalued? Gekko Fair Value
OFG Bancorp trades 5.9% below Gekko Fair Value of $54.00, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what OFG Bancorp shares are worth, recalculated every trading day.
$54.00
Gekko Fair Value, Oct 10, 2026
5.9% Undervalued
At the end of Aug 2026 the price was 4.8% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open OFG in Gekko
OFG Bancorp insider and Congress trading
No open-market insider purchases were filed for OFG Bancorp, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in OFG were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for OFG, plotted on the chart in Gekko.Open OFG in Gekko
Buybacks
OFG Bancorp has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $2.37M
- As a share of market cap
- 0.11%
- Trailing four quarters
- $109.7M
From company filings.
OFG Bancorp earnings: next date and track record
OFG Bancorp reports on Oct 21, 2026 (9 days away), and beat the EPS estimate in 6 of its last 8 reports.
Next earnings report
Oct 21, 2026
9 days away
- EPS estimate
- $1.23
- Revenue estimate
- $187.1M
6 of 8reports beat the EPS estimate
±5.6%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jan 22, 2026 AI summary
- What they said
- OFG Bancorp Q4 and full-year 2025 earnings call. Management highlighted 17% YoY EPS growth in Q4 driven by disciplined operations and favorable tax benefit; core revenue growth low single digits; asset quality sound; loan and deposit growth driven by commercial loans and new retail products (Libre and Elite); total assets reached record $12.5bn; share repurchases ($40m Q4, ~$92m YTD) and 20% dividend increase. Management emphasized digital-first strategy and leadership in Puerto Rico with Libre and Elite accounts, strong adoption among new and younger customers. Financial details: core revenues $185m, interest income $197m down $3m q/q due to lower yields on higher loan/cash balances; interest expense $44m down $1m; non-interest expense $105m up $8.5m q/q due to professional services, amortization acceleration, business rightsizing, bonuses, marketing; other income loss $1.11m due to accelerated amortization; guidance: 2026 non-interest expense $380-385m; margin guidance influenced by funding mix changes, expects rate cuts to lower NIM, asset-sensitive position; expects loan growth low single digits with auto down 2-3% and commercial up 5-6%; expects expense efficiencies to materialize more in 2027-28. Credit: Q4 included sale releasing $17m NPAs yielding $3.9m gain and telecom loan moved to nonaccrual with specific reserve; normalized net charge-off around ~1% expected; allowance built to 2.46% due to specific telecom reserve. Capital deployment: continued buybacks prioritized given valuation; dividend considered. Risks: macro/global uncertainties, competitive deposit environment including aggressive credit unions, wholesale funding replacing $500m government deposits raising funding cost 25-40 bps, specific credit idiosyncrasies (telecom loan).
- Guidance
- Non-interest expense guidance for 2026: $380 million to $385 million. Loan growth: low single-digit overall; auto balances expected down 2-3% in 2026; commercial loans expected up 5-6% in 2026. NIM guidance: impacted by funding mix change (wholesale funding replacing $500m government deposits) and anticipated rate cuts (full effect of 75bp cut in late 2025 plus anticipating two additional cuts); management expects to update margin guidance in Q1. Capital return: continued opportunistic buybacks; no specific repurchase target. Net charge-off expectation: roughly ~1% run rate (excluding idiosyncratic cases).
- Risks flagged
- Global macro and political uncertainties impacting Puerto Rico; competitive deposit pressure including tax-exempt US credit unions; wholesale funding replacing government deposits could increase funding costs by ~25-40 bps; idiosyncratic credit risks (notably a telecommunications loan) and potential for elevated provisions; technology investment and transition risks.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jan 22, 2026 | $1.27 est $1.16 | $185.4M est $184.2M | −12.8% |
| Oct 22, 2025 | $1.16 est $1.17 | $171.2M est $187.0M | −7.1% |
| Jul 16, 2025 | $1.15 est $1.05 | $167.9M est $181.5M | +5.0% |
| Apr 22, 2025 | $1.00 est $0.97 | $166.7M est $178.0M | +3.8% |
| Jan 22, 2025 | $1.09 est $0.97 | — | −3.2% |
| Oct 16, 2024 | $1.00 est $1.02 | $163.7M est $178.2M | −7.3% |
| Jul 18, 2024 | $1.08 est $0.96 | $166.2M est $152.6M | +1.4% |
| Apr 18, 2024 | $1.05 est $0.95 | $162.0M est $175.0M | +4.3% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
OFG Bancorp stock forecast and analyst price targets
Analysts’ average 12-month price target for OFG Bancorp is $56.75, +11.6% from the last close, from 5 firms rating the stock in the last 90 days.
$56.75consensus 12-month target, +11.6% from the last close
Now $50.84Avg $56.75
Low $55High $58
Each firm’s latest rating in the last 90 days: 5 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 30 | Wells Fargo | $55 | +8.2% |
| Aug 10 | Wells Fargo | $55 | +8.2% |
| Jul 22 | Truist Financial | $58 | +14.1% |
| Jul 22 | Piper Sandler | $56 | +10.1% |
| Jul 22 | KBW | $57 | +12.1% |
+2.6%average 20-day move after past Accumulation readings
+4.1%average move over the next 20 trading days in the last 5 years
±1.8%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
OFG Bancorp seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, OFG Bancorp averaged +4.1% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | 0.0% | 2 of 5 |
| Next 10 trading days | −1.3% | 2 of 5 |
| Next 15 trading days | −1.1% | 2 of 5 |
| Next 20 trading days | +4.1% | 4 of 5 |
| Next 30 trading days | +3.9% | 4 of 5 |
For scale, OFG’s typical 20-trading-day move in either direction is about 4.6%.
OFG Bancorp market cap and key statistics
OFG Bancorp’s market cap is $2.15B, with a P/E ratio of 10 and revenue of $651.2M over the last twelve months.
Valuation
- Market cap
- $2.15B
- P/E ratio
- 10
- Forward P/E
- 7.4
- EPS, TTM
- $5.07
- Gekko Fair Value
- $54.00
Trading
- Volume
- 153,115
- Avg volume, 20 days
- 283,226
- 52-week high
- $54.47
- 52-week low
- $35.71
- Shares outstanding
- 42.27M
Financials
- Revenue, TTM
- $651.2M
- Profit margin
- 33.9%
- Return on equity
- 16.1%
- Quarterly earnings growth, YoY
- +20.9%
Risk and income
- Beta
- 0.75
- Typical daily move
- ±1.8%
- Typical 20-day move
- ±4.6%
- Dividend yield
- 2.58%
OFG Bancorp stock news this week
Coverage of OFG Bancorp this week reads positive: 5 positive, 0 neutral and 0 negative headlines.
- How Investors Are Reacting To OFG Bancorp (OFG) Dividend HikeSimply Wall Street, Oct 7
- OFG Bancorp stock sets an October 21 results dateAD HOC NEWS, Oct 7
- OFG Bancorp (NYSE:OFG) Shares Cross Above Two Hundred Day Moving Average - What's Next?MarketBeat, Oct 6
- OFG Bancorp (OFG) Could Be 8% Undervalued After Dividend Yield Draws AttentionSimply Wall Street, Oct 6
- OFG Bancorp stock heads toward its October 21 resultsAD HOC NEWS, Oct 5
- Why OFG Bancorp (OFG) is a Great Dividend Stock Right NowZacks Investment Research, Oct 5
OFG Bancorp peers
OFG Bancorp’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| JPMJP Morgan Chase | Accumulation | 6.9% below |
| BACBank of America | Accumulation | 13.1% below |
| RYRoyal Bank Of Canada | Accumulation | 6.5% below |
| WFCWells Fargo | Neutral | 8.5% below |
| CCitigroup | Neutral | 6.6% below |
| TDToronto Dominion Bank | Accumulation | 2.9% below |
A peer links to its own page where one exists.
OFG Bancorp stock FAQ
What is OFG Bancorp’s market cap?
OFG Bancorp’s market cap is $2.15B at the Oct 12, 2026 close of $50.84, with 42.27M shares outstanding. The shares trade on a P/E ratio of 10.
What is the OFG Bancorp stock forecast?
The consensus analyst 12-month price target for OFG Bancorp is $56.75, +11.6% from the last close. Of the 5 firms that rated the stock in the last 90 days, 1 rate it a buy, 4 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is OFG Bancorp stock overvalued or undervalued?
On Gekko’s estimate OFG Bancorp is undervalued: the Oct 12, 2026 close of $50.84 is 5.9% below Gekko Fair Value of $54.00. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does OFG Bancorp report earnings next?
OFG Bancorp is expected to report on Oct 21, 2026 (9 days away). Analysts expect earnings of $1.23 per share on revenue of $187.1M. OFG Bancorp beat the earnings estimate in 6 of its last 8 reports, moving 5.6% on average across the report.
What is OFG Bancorp’s 52-week high and low?
OFG Bancorp’s 52-week high is $54.47 and its 52-week low is $35.71; it closed at $50.84 on Oct 12, 2026, +18.2% over the past year.
Is OFG Bancorp stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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