OFG Bancorp (OFG)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$51.51+0.59%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · OFG
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -1.0% |
| Our one-year growth estimate | diamond | -2.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 1.6 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
Why it matters: Core revenue fell from $190.3 million in Q2 to $185.7 million in Q3. Holding or growing that level would show the recent slowdown has stopped.
Supportive ifQ4 core revenue is above Q3's $185.7 million.
Worry ifQ4 core revenue falls below $185.7 million.
Why it matters: Loans grew 1.8% in Q3, with growth in Puerto Rico commercial and consumer loans. Another strong quarter would support the growth trend.
Supportive ifQ4 loans held for investment rise more than 1% from Q3's $8.45 billion.
Worry ifQ4 loans held for investment are flat or fall from Q3's $8.45 billion.
Why it matters: Q3 net charge-offs fell to 0.70% after a high 1.40% in Q2. A rise would weaken the recent credit improvement.
Worry ifQ4 net charge-offs exceed 0.70% of average loans, the Q3 rate.
Less concerning ifQ4 net charge-offs stay at or below 0.70% of average loans.
Why it matters: Q3 expenses fell from Q2, but much of the drop came from charges that did not repeat. A lower Q4 total would show cost control beyond that change.
Supportive ifQ4 non-interest expense is below Q3's $96.3 million.
Worry ifQ4 non-interest expense is at or above $96.3 million.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$67 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $207 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,283 loss on $10,000 · 12.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.