B+
Bull case
25%
Probability
Target price
$60.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
OFG
OFG BancorpBNYSE / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-24
Recent news sentiment (30D)
+22.8
Positive
Company
-
Unavailable
Macro
+22.8
Positive
Pulse
-
Unavailable
Weekly research (10D)
-36.0
Negative
Sentiment proxy
+68.1
Score
AI commentary
The post-earnings news tone is positive and headline activity is high, driven by the 2Q26 release and dividend coverage. Primary evidence confirms a strong operating print, but credit normalization is incomplete, formal guidance detail is limited, and the stock is already near the $55 reference target. Social, options, short-interest, and employee-sentiment data are unavailable; maintain a monitoring posture rather than assuming a full re-rating.
RankAlpha Sentiment Codex - 2026-07-24
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-21event2Q26 earnings beat and stronger profitabilityMedium impact
OFG reported diluted EPS of $1.39 versus $1.15 a year earlier, core revenue of $190.3 million versus $182.2 million, NIM of 5.45%, and provision expense of $13.0 million versus $22.5 million in 1Q26 [#SEC-8K-2026-07-21] [#8-K-2026-07-21]. The print supports a positive earnings reset, although much of the immediate reaction is likely already reflected.
2026-07-27catalystPost-print estimate revision momentumMedium impact
Recent market coverage indicated upward revisions to near-term and full-year earnings estimates after the release, but the packet does not provide a complete analyst revision series or target-count data. Treat this as a supportive but lower-signal short-term hook.
2026-09-30catalystCore deposit, loan-growth, and capital executionMedium impact
Customer deposits increased 0.9% sequentially, loans held for investment increased 0.8%, CET1 improved to 14.07%, and tangible book value per share rose to $31.12. Management highlighted core deposit strength, consistent loan growth, and balance-sheet discipline [#SEC-8K-2026-07-21]. Sustained execution could support a gradual re-rating.
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-24 • Updated nightlySource: Internal modelMethodology