Ofg Bancorp Stock Market Outlook
| OFG Stock | USD 41.91 0.14 0.33% |
Roughly 56% of OFG Bancorp's investor base is looking to short. The analysis of overall sentiment of trading OFG Bancorp stock suggests that many investors are alarmed at this time. The current market sentiment, together with OFG Bancorp's historical and current headlines, can help investors time the market. In addition, many technical investors use OFG Bancorp stock news signals to limit their universe of possible portfolio assets.
Comfort Level 44
Impartial
Panic | Confidence |
Today, several news technology companies offer sentiment data to assist traders in manufacturing news sentiment indicators for investment decisions. We partner with these technology firms in helping retail investors build forecasting models that use OFG Bancorp's input sentiment indicators derived from textual data and news published on major financial information outlets and social sites. These indicators can be used to analyze time-dependent numerical information representing public perception toward OFG Bancorp.
News SentimentBullish | Hype SentimentBearish | Insider SentimentDisposing |
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding OFG Bancorp is 'Hold'. Macroaxis provides OFG Bancorp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding OFG positions.
Execute OFG Bancorp Advice
The OFG recommendation should be used to complement the investment advice compiled from the current analysts' consensus on OFG Bancorp. Macroaxis does not own or have any residual interests in OFG Bancorp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute OFG Bancorp's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Hold
Market Performance | Mild | Details | |
Volatility | Very steady | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Tiny | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
For the selected time horizon OFG Bancorp has a Risk Adjusted Performance of 0.0374, Jensen Alpha of 0.0417, Total Risk Alpha of (0.07), Sortino Ratio of 2.0E-4 and Treynor Ratio of 0.1943OFG Bancorp advice module can be used to check and cross-verify current recommendation provided by analysts evaluating the firm's potential to grow using all of fundamental, technical, data market data available today. To make sure OFG Bancorp is not overpriced, please check all OFG Bancorp fundamentals, including its number of shares shorted, cash and equivalents, price to earnings to growth, as well as the relationship between the revenue and book value per share . Given that OFG Bancorp has a number of shares shorted of 752.06 K, we recommend you to check out OFG Bancorp market performance and probability of bankruptcy to ensure the company can sustain itself for few more years given your recent risk tolerance and investing horizon.
OFG Bancorp Trading Alerts and Improvement Suggestions
| OFG Bancorp has a strong financial position based on the latest SEC filings | |
| Over 98.0% of the company shares are owned by institutional investors | |
| On 15th of January 2026 OFG Bancorp paid $ 0.3 per share dividend to its current shareholders | |
| Latest headline from thelincolnianonline.com: OFG Bancorp Receives Consensus Recommendation of Hold from Analysts |
OFG Bancorp Returns Distribution Density
The distribution of OFG Bancorp's historical returns is an attempt to chart the uncertainty of OFG Bancorp's future price movements. The chart of the probability distribution of OFG Bancorp daily returns describes the distribution of returns around its average expected value. We use OFG Bancorp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of OFG Bancorp returns is essential to provide solid investment analysis for OFG Bancorp.
| Mean Return | 0.07 | Value At Risk | -1.48 | Potential Upside | 2.23 | Standard Deviation | 1.78 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of OFG Bancorp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
OFG Stock Institutional Investors
| Shares | Hhg Plc | 2025-06-30 | 768.7 K | Millennium Management Llc | 2025-06-30 | 739.3 K | Northern Trust Corp | 2025-06-30 | 596.1 K | Jpmorgan Chase & Co | 2025-06-30 | 580.5 K | Qube Research & Technologies | 2025-06-30 | 554.2 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 513.4 K | Jacobs Levy Equity Management, Inc. | 2025-06-30 | 467 K | Bank Of New York Mellon Corp | 2025-06-30 | 431 K | Empowered Funds, Llc | 2025-06-30 | 421.7 K | Blackrock Inc | 2025-06-30 | 6.4 M | Vanguard Group Inc | 2025-06-30 | 5.7 M |
OFG Bancorp Cash Flow Accounts
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Change In Cash | (131.9M) | (1.5B) | 197.7M | (157.0M) | (591.1M) | (561.6M) | |
| Free Cash Flow | 77.0M | 133.5M | 277.8M | 210.8M | 242.4M | 254.5M | |
| Depreciation | 23.9M | 24.3M | 27.3M | 26.8M | 30.8M | 32.3M | |
| Other Non Cash Items | (156.2M) | (84.9M) | 13.4M | 34.1M | (205.1M) | (194.8M) | |
| Dividends Paid | 21.0M | 30.1M | 41.0M | 45.6M | 52.5M | 55.1M | |
| Capital Expenditures | 15.3M | 23.1M | 31.0M | 17.9M | 41.7M | 0.0 | |
| Net Income | 146.2M | 166.2M | 181.9M | 198.2M | 205.1M | 215.4M | |
| End Period Cash Flow | 2.0B | 550.5M | 748.2M | 591.1M | 679.8M | 391.8M | |
| Investments | (205.4M) | (1.5B) | (570.4M) | (336.0M) | (302.4M) | (287.3M) | |
| Change Receivables | 1.9M | (23.6M) | 9.5M | (5.8M) | (5.2M) | (5.0M) | |
| Change To Netincome | 61.4M | (117.2M) | (71.0M) | (7M) | (8.1M) | (8.5M) |
OFG Bancorp Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to OFG Bancorp or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that OFG Bancorp's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a OFG stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.04 | |
β | Beta against Dow Jones | 0.31 | |
σ | Overall volatility | 1.78 | |
Ir | Information ratio | 0.0002 |
OFG Bancorp Volatility Alert
OFG Bancorp has relatively low volatility with skewness of -1.39 and kurtosis of 8.72. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure OFG Bancorp's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact OFG Bancorp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.OFG Bancorp Fundamentals Vs Peers
Comparing OFG Bancorp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze OFG Bancorp's direct or indirect competition across all of the common fundamentals between OFG Bancorp and the related equities. This way, we can detect undervalued stocks with similar characteristics as OFG Bancorp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of OFG Bancorp's fundamental indicators could also be used in its relative valuation, which is a method of valuing OFG Bancorp by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare OFG Bancorp to competition |
| Fundamentals | OFG Bancorp | Peer Average |
| Return On Equity | 0.16 | -0.31 |
| Return On Asset | 0.0171 | -0.14 |
| Profit Margin | 0.33 % | (1.27) % |
| Operating Margin | 0.31 % | (5.51) % |
| Current Valuation | 1.35 B | 16.62 B |
| Shares Outstanding | 43.26 M | 571.82 M |
| Shares Owned By Insiders | 1.37 % | 10.09 % |
| Shares Owned By Institutions | 97.55 % | 39.21 % |
| Number Of Shares Shorted | 752.06 K | 4.71 M |
| Price To Earning | 15.28 X | 28.72 X |
| Price To Book | 1.30 X | 9.51 X |
| Price To Sales | 2.95 X | 11.42 X |
| Revenue | 862.62 M | 9.43 B |
| Gross Profit | 623.93 M | 27.38 B |
| EBITDA | 285.15 M | 3.9 B |
| Net Income | 205.1 M | 570.98 M |
| Cash And Equivalents | 815.44 M | 2.7 B |
| Cash Per Share | 17.15 X | 5.01 X |
| Total Debt | 580.46 M | 5.32 B |
| Debt To Equity | 6.91 % | 48.70 % |
| Book Value Per Share | 32.13 X | 1.93 K |
| Cash Flow From Operations | 252.5 M | 971.22 M |
| Short Ratio | 2.42 X | 4.00 X |
| Earnings Per Share | 4.58 X | 3.12 X |
| Price To Earnings To Growth | 0.93 X | 4.89 X |
| Target Price | 44.4 | |
| Number Of Employees | 2.19 K | 18.84 K |
| Beta | 0.75 | -0.15 |
| Market Capitalization | 1.84 B | 19.03 B |
| Total Asset | 12.47 B | 29.47 B |
| Retained Earnings | 904.63 M | 9.33 B |
| Annual Yield | 0.03 % | |
| Five Year Return | 1.67 % |
Note: Disposition of 1264 shares by Garcia Ada of OFG Bancorp at 41.26 subject to Rule 16b-3 [view details]
OFG Bancorp Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as OFG . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
OFG Bancorp Target Price Consensus
OFG target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. OFG Bancorp's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 4 | Buy |
Most OFG analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand OFG stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of OFG Bancorp, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationOFG Bancorp Target Price Projection
OFG Bancorp's current and average target prices are 41.91 and 44.40, respectively. The current price of OFG Bancorp is the price at which OFG Bancorp is currently trading. On the other hand, OFG Bancorp's target price is what analysts think the stock is worth. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
OFG Bancorp Market Quote on 16th of February 2026
Target Price
Analyst Consensus On OFG Bancorp Target Price
OFG Bancorp Analyst Ratings
OFG Bancorp's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about OFG Bancorp stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of OFG Bancorp's financials, market performance, and future outlook by experienced professionals. OFG Bancorp's historical ratings below, therefore, can serve as a valuable tool for investors.Analyst Consensus Breakdown
Average Consensus Estimates
About OFG Bancorp Buy or Sell Advice
When is the right time to buy or sell OFG Bancorp? Buying financial instruments such as OFG Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
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Check out OFG Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more detail on how to invest in OFG Stock please use our How to Invest in OFG Bancorp guide.You can also try the Money Flow Index module to determine momentum by analyzing Money Flow Index and other technical indicators.
Can Regional Banks industry sustain growth momentum? Does OFG have expansion opportunities? Factors like these will boost the valuation of OFG Bancorp. Anticipated expansion of OFG directly elevates investor willingness to pay premium valuations. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating OFG Bancorp demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.164 | Dividend Share 1.2 | Earnings Share 4.58 | Revenue Per Share | Return On Assets |
Investors evaluate OFG Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating OFG Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause OFG Bancorp's market price to deviate significantly from intrinsic value.
It's important to distinguish between OFG Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding OFG Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, OFG Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.