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OFG

OFG BancorpB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The EPS beat, 4.1% year-over-year loan growth, lower year-over-year charge-off and nonperforming-loan rates, and $13.5 million of quarterly repurchases support a constructive operating case. Management's approximately 5.25% near-term margin outlook would help if funding costs stabilize [#IR-2026-10-21] [#EARNINGS-TRANSCRIPT-2026Q3].
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.9.
What can break
Customer deposits declined while borrowings and brokered deposits increased sequentially, raising funding-mix risk [#IR-2026-10-21].
Momentum
68
Value
61
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $53.00 · Bull $59.00 · Bear $43.00Analysis 2026-10-26; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-26 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $56.75
Why
Momentum68 · Δ7d -1.6
Value61 · Δ7d +0.9
Sentiment54 · Δ7d -5.1
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.9.

Contradictions & invalidation

  • • Customer deposits declined while borrowings and brokered deposits increased sequentially, raising funding-mix risk [#IR-2026-10-21].
  • • Higher deposit costs and migration into time deposits could undermine management's approximately 5.25% near-term margin outlook [#EARNINGS-TRANSCRIPT-2026Q3].
  • • EPS and core revenue fell sequentially; deposit mix shifted toward costlier funding, borrowings rose, and provision and delinquencies increased from 2Q26.

Catalyst clock

2026-10-21

3Q26 earnings beat meets a negative initial reaction

Lead driver: Value · See fundamentals
Momentum
68
8% active weight
Current posture
7d trendFlat
Δ7d
-1.6
Δ21d
+2.9
Value
61
47% active weight
Current posture
7d trendFlat
Δ7d
+0.9
Δ21d
-7.0
Sentiment
54
45% active weight
Current posture
7d trendSoftening
Δ7d
-5.1
Δ21d
-15.9
Why this grade

Composite grade B. Momentum 68.2 / Value 60.9 / Sentiment 54.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-26. Scenario method

B+
Bull case
25%
Probability
Target price
$59.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$53.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$43.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$2.18B
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 2026-10-26 • Updated nightlySource: Internal modelMethods & Data