OFG

OFG BancorpC

NYSE / Banks

At close

2026-07-21

Current thesis

The bull case is that 1Q26 showed OFG can absorb the government deposit shift, keep NIM and profitability strong, and continue meaningful buybacks and dividend growth while credit metrics improve [#8-K-2026-04-21].

Posture

Mixed

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -1.1.

What can break

Capital return remains supportive, but heavy buybacks can lose signaling power if earnings growth stalls near current levels.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $41.00 · Bull $47.00 · Bear $36.00

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-21 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $55.00

Why

Momentum63 · Δ7d -6.4

Value60 · Δ7d -1.1

Sentiment40 · Δ7d -2.0

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-6.4

Δ21d

+13.2

Value

39% active weight

Current posture

7d trendSoftening

Δ7d

-1.1

Δ21d

-9.7

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-2.0

Δ21d

-5.2

Why this grade

Composite grade C. Momentum 63.2 / Value 60.4 / Sentiment 39.7

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$2.24B

Beta

0.76

Shares Out

42.26M

P/E (TTM)

9.4

P/S (TTM)

2.50

P/FCF (TTM)

14.40

Rev YoY

+4.0%

EPS YoY

+25.4%

Gross Margin

Op Margin

+32.8%

Net Debt

-$455.61M

Current Ratio

0.10

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology