OFG - NYSE
OFG Bancorp
$44.73
-1.8%OFG Bancorp, a financial holding company, provides a range of banking and financial services. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings accounts, as well as time deposit products; commercial, consumer, auto, and mortgage lending services; financial planning and insurance services; and corporate and individual trust, and retirement services. It also provides securities brokerage and investment advisory services, including various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients; and separately-managed accounts and mutual fund asset allocation programs. In addition, the company engages in the insurance agency and reinsurance businesses; administration and servicing of retirement plans; various treasury-related functions with an investment portfolio consisting of mortgage-backed securities, obligations of U.S. government sponsored agencies, and U.S. Treasury securities and money market instruments; and management and participation in public offerings and private placements of debt and equity securities. Further, it offers money management and investment banking services; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. The company operates through a network of 50 branches in Puerto Rico and 2 branches in USVI. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.
At a Glance
Live SnapshotOFG Bancorp Street Expectations Map
Wall Street analysts project that OFG stock may see slight declines over the coming 12 months. The consensus 1-year price target stands at 44.50, with estimates ranging from a low of 44.00 to a high of 45.00.
The consensus 1-year price target stands at 44.50, with estimates ranging from a low of 44.00 to a high of 45.00.
Analyst Consensus Analysis
Upside Potential
Fair value territory. Stock trading near consensus target suggests limited near-term catalysts. Focus on fundamental developments.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Risk-Reward Profile
Unfavorable risk-reward. Downside risk exceeds upside potential. Consider defensive positioning or alternative opportunities.
Analyst Conviction
Neutral sentiment. Fair value pricing with moderate agreement suggests wait-and-see approach or catalyst-driven opportunity.
Market Sentiment Insight
Efficient pricing: Stock trading at fair value with strong consensus suggests market has priced in expectations. Look for fundamental inflection points or new catalysts to drive meaningful moves.
OFG Bancorp Forward Estimates of Revenue
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
OFG Bancorp Forward Estimates of Net Income
Forward Growth Analysis
Flat growth suggests market maturity or near-term challenges offsetting expansion efforts.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
OFG Bancorp Forward Estimates of EPS
Forward Growth Analysis
Flat growth suggests market maturity or near-term challenges offsetting expansion efforts.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
OFG Bancorp Forward Estimates of EBIT
Forward Growth Analysis
Declining expectations indicate headwinds—investigate whether temporary or structural issues.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
OFG Bancorp Forward Estimates of EBITDA
Forward Growth Analysis
Declining expectations indicate headwinds—investigate whether temporary or structural issues.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
OFG Bancorp Forward Estimates of SG&A Expense
Forward Growth Analysis
Flat growth suggests market maturity or near-term challenges offsetting expansion efforts.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
OFG Bancorp Insider Positioning
During the last 12 months, insiders have purchased $65K and sold $2.78M worth of OFG shares, resulting in $2.71M of net selling activity.
3 Months
0
0.00
0
0.00
+0
+$0
3-6 Months
1.5K
64.78K
7.5K
316.59K
-252K
-$252K
6-9 Months
0
0.00
55.0K
2.25M
-2.2M
-$2.25M
9-12 Months
0
0.00
5.0K
211.51K
-212K
-$212K
Top Buyers
Franqui Annette
Director
$65K
Top Sellers
Fernandez Jose Rafael
Director, Officer: Ceo; Chairman Bod
$1.23M
Colon Jorge
Director
$1.02M
Ortiz Cesar A
Officer: Chief Risk Officer
$232K
Arizmendi Maritza
Officer: Chief Financial Officer
$212K
De Jesus Nestor
Director
$85K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $2.71M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Insider Participation
5 insider sellers vs. 1 buyers. Widespread selling across multiple insiders may signal concerns.
Related Guides
Continue your OFG research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.