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OFG

OFG BancorpB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The quarter showed accelerating EPS and core-revenue growth, higher NIM, lower provision expense, stronger deposits and loans, and improved capital. If deposit growth remains core-funded and credit costs normalize, OFG could move toward or above the $55 reference target.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.0.
What can break
Analyst target coverage and detailed post-print estimate revisions are limited in the packet.
Momentum
68
Value
61
Sentiment
65
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $55.00 · Bull $60.00 · Bear $45.00Analysis 2026-07-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $56.50
Why
Momentum68 · Δ7d +4.4
Value61 · Δ7d -0.0
Sentiment65 · Δ7d +4.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +4.0.

Contradictions & invalidation

  • • Analyst target coverage and detailed post-print estimate revisions are limited in the packet.
  • • Borrowings and brokered deposits increased for liquidity management, so funding quality and cost remain important watch items.
  • • Net charge-offs rose to 1.40% of average loans from 1.05% in 1Q26 and 0.64% in 2Q25, while total non-interest expense rose to $102.8 million and included $5.8 million of operational charges.

Catalyst clock

2026-07-21

2Q26 earnings beat and stronger profitability

Lead driver: Sentiment · See AI snapshot
Momentum
68
9% active weight
Current posture
7d trendImproving
Δ7d
+4.4
Δ21d
+3.8
Value
61
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.1
Sentiment
65
62% active weight
Current posture
7d trendImproving
Δ7d
+4.0
Δ21d
-2.6
Why this grade

Composite grade B. Momentum 68.3 / Value 60.6 / Sentiment 64.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-24. Scenario method

B+
Bull case
25%
Probability
Target price
$60.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$55.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$45.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$2.26B
Beta
0.76
Shares Out
42.27M
P/E (TTM)
9.4
P/S (TTM)
2.50
P/FCF (TTM)
14.40
Rev YoY
+2.8%
EPS YoY
+20.5%
Gross Margin
-
Op Margin
+27.4%
Net Debt
-$455.61M
Current Ratio
0.11
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data