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OFG Bancorp is not a strong buy at this moment for a beginner investor with a long-term strategy. While the company has shown some growth in revenue and net income in its latest quarter, the negative EPS trend, lowered analyst price targets, and constrained net interest income outlook suggest limited upside potential in the near term. Additionally, there are no significant trading signals or positive catalysts to justify an immediate investment.
The technical indicators are neutral. The MACD is slightly positive but contracting, RSI is neutral at 51.988, and moving averages are converging, indicating no clear trend. The stock is trading near its support level (S1: 41.234) and below its pivot point (42.071), suggesting limited upward momentum.

Revenue increased by 3.40% YoY, and net income rose by 11.02% YoY in the latest quarter, showing some financial resilience.
EPS dropped to 0 (-100% YoY), analysts have lowered price targets and downgraded the stock, citing constrained net interest income and noisy credit trends. No recent news or significant insider or hedge fund activity to support a bullish case.
In Q4 2025, revenue increased by 3.40% YoY to $185.37M, and net income grew by 11.02% YoY to $55.89M. However, EPS dropped to 0 (-100% YoY), raising concerns about profitability.
Analysts have recently downgraded the stock and lowered price targets. Truist reduced its target to $44 from $48, citing lower net interest margin and slower loan growth. Keefe Bruyette downgraded the stock to Market Perform with a target of $43, down from $50, due to constrained net interest income and noisy credit trends.