OFG at a glance
OFG BANCORP (OFG, SEC CIK 1030469) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on July 21, 2026 and Form 4 insider filings as recently as September 17, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), OFG BANCORP (OFG) reported revenue of $780.9 million (up 4.1% from FY2024) and net income of $205.1 million. Diluted EPS was $4.58.
- As of June 30, 2026, 30 institutional investment managers tracked by SignalX reported holding OFG BANCORP (OFG) shares worth $1.1 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Arizmendi Maritza on August 14, 2026 of 10,000 shares at $53.35 per share.
- In the last 90 days, OFG insiders reported 0 open-market purchases ($0) and 3 open-market sales ($3.5M) on Form 4, a net sale of $3.5M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $780.9M
- +4.1% vs prior year
- Insiders · 90 days
- 0 buys · 3 sells
- Net −$3.5M
- 13F holders
- 30 funds
- $1.1B · +1 vs prior quarter
- Latest 8-K
- Jul 21, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Financial institution providing lending, deposit, and asset management services primarily in Puerto Rico
- Emphasis on adoption of third-party AI technologies for customer service and data analytics, with increased regulatory and operational risks noted
- Heightened focus on regulatory compliance and risk management due to evolving AI laws and scrutiny of consumer-facing technologies
- No goodwill impairment recorded as of December 31, 2025; ongoing risk due to Puerto Rico economic conditions and stock price fluctuations
- Use of International Banking Entity (IBE) unit for tax advantages, with potential for increased tax burden from Puerto Rico legislative changes
Risk Factors
- Regulatory risk: Potential enforcement or fines from non-compliance with USA Patriot Act and Bank Secrecy Act on anti-money laundering and suspicious activity reporting
- Macroeconomic risk: Heavy loan portfolio concentration in Puerto Rico exposes to extended recession, credit losses, and loan value reduction amid fiscal uncertainties
- Operational risk: Dependence on third-party IT services risks business disruption and regulatory penalties if failures impact loan processing or customer access
- Competitive risk: Residential mortgage market impacted by declining home values and shifts to hybrid work affecting office real estate borrower credit quality
- Financial risk: Significant Puerto Rico government deposits $1.676B (16.3% of deposits) may reprice in 2026, risking funding cost increases and net interest income pressure
Management Discussion & Analysis
- Revenue $729.8M, up 2.8% YoY from $709.6M in 2024; 4Q revenue $185.4M, up 2.0% YoY from $181.9M
- EPS $4.58, up 8.3% YoY from $4.23; 4Q EPS $1.27, up 16.5% YoY and 9.5% QoQ; operating margin implied by efficiency ratio 53.41% vs 52.94% in 2024
- Best segment: Auto loans with $18M increase in interest income driven by $207.8M higher average balances; Worst: Mortgage loans down $5.9M due to loan portfolio reductions
- Cash flow: $91.6M shares repurchased in 2025 at $40.64 avg price; dividends increased to $1.20/share for 2025, $0.35/share announced for 2026; no explicit capex disclosed
- Outlook: Confident in sustained Puerto Rico economic activity underpinned by infrastructure/federal/private investments and on-shoring; monitoring global economic uncertainties impacting credit losses (ACL sensitivity +/- ~4%)
AI summary of the OFG 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- No material risk-factor changes from OFG Bancorp’s 2025 Form 10-K
- Carried-forward risks remain applicable to business, financial condition, and results
- Additional unknown or currently immaterial risks could adversely affect results
- Regulatory compliance exposure reaffirmed through ongoing SEC Exchange Act filings
AI summary of the OFG 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results for quarter ended June 30, 2026
- Press release attached as Exhibit 99.1 with detailed financial results
Item 5.07: Submission of Matters to a Vote of Security Holders
- All 9 director nominees elected to one-year terms, supporting board continuity
- Executive compensation approved on advisory basis, with 36,003,479 votes for and 599,690 against
Item 2.02: Results of Operations and Financial Condition
- OFG Bancorp reported first-quarter 2026 results for the period ended March 31, 2026
- Detailed financial results and management commentary are contained in the attached press release
AI summaries of OFG 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for OFG
Don't miss the next OFG filing
- Alerts as it files. A push when OFG files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut OFG, by share count.
- Ask anything. An AI agent that reads every OFG filing and answers with sources.
OFG alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| FERNANDEZ JOSE RAFAEL | G | Sep 15, 2026 | 10,000 | - |
| FERNANDEZ JOSE RAFAEL | G | Sep 9, 2026 | 600 | - |
| Grindstaff Lynda | M | Aug 26, 2026 | 50 | - |
| Garcia Rodriguez Roberto | F | Aug 26, 2026 | 5 | $51.78 |
| Grindstaff Lynda | F | Aug 26, 2026 | 5 | $51.78 |
| Grindstaff Lynda | A | Aug 26, 2026 | 50 | - |
| Garcia Rodriguez Roberto | A | Aug 26, 2026 | 50 | - |
| Garcia Rodriguez Roberto | M | Aug 26, 2026 | 50 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $648.9M | $750.3M | $780.9M |
| Net Income | $181.9M | $198.2M | $205.1M |
| Net Margin | 28.0% | 26.4% | 26.3% |
| Balance Sheet | |||
| Total Assets | $11.3B | $11.5B | $12.5B |
| Equity | $1.2B | $1.3B | $1.4B |
| ROE | 15.2% | 15.8% | 14.8% |
| Per Share | |||
| EPS | - | $4.23 | $4.58 |
| Cash Flow | |||
| Operating CF | $295.7M | $252.5M | $217.7M |
| CapEx | $17.9M | $21.3M | $18.4M |
Source: XBRL data in OFG BANCORP (OFG)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate OFG share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 30 | $1.05B |
| Q1 2026 | 29 | $866.4M |
| Q4 2025 | 27 | $886.2M |
| Q3 2025 | 28 | $980.6M |
| Q2 2025 | 29 | $962.8M |
| Q1 2025 | 25 | $669.6M |
| Q4 2024 | 22 | $648.4M |
| Q3 2024 | 20 | $397.1M |
- Goldman Sachs Group+127.5K (+25%)
- Two Sigma Investments+96.9K (+19%)
- State Street Corp+82.8K (+3%)
- AQR Capital Management+71.5K (+34%)
- JPMorgan Chase & Co+61.2K (+40%)
- Millennium Management−179.5K (-29%)
- Citadel Advisors LLC−178.0K (-77%)
- BlackRock−52.2K (-1%)
- D.E. Shaw & Co−41.8K (-30%)
- Vanguard Capital Management LLC−33.4K (-2%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 210 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
OFG filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 11, 2026 | - | - | - |
| 4 | Aug 28, 2026 | - | - | - |
| 4 | Aug 28, 2026 | - | - | - |
| 4 | Aug 14, 2026 | - | - | - |
| 4 | Aug 14, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jul 28, 2026 | - | - | - |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 4 | May 21, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 4 | May 6, 2026 | - | - | |
| 4 | May 1, 2026 | - | - | - |
| SC 13G | Apr 28, 2026 | - | - | |
| SC 13G | Apr 28, 2026 | - | - | |
| 4 | Apr 28, 2026 | - | - | - |
| 4 | Apr 28, 2026 | - | - | - |
| SC 13G | Apr 27, 2026 | - | - | |
| 4 | Apr 24, 2026 | - | - | - |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 8-K | Apr 21, 2026 | - | Analysis | - |
| 4 | Apr 1, 2026 | - | - | - |
| 4 | Apr 1, 2026 | - | - | - |
| 4 | Mar 31, 2026 | - | - | - |
Related Financials companies
- SRCE · 1ST SOURCE CORPState Commercial Banks
- ACNB · ACNB CORPState Commercial Banks
- ALLY · Ally Financial IncState Commercial Banks
- AMAL · Amalgamated Financial Corp.State Commercial Banks
- ABCB · Ameris BancorpState Commercial Banks
- ASB · ASSOCIATED BANC-CORPState Commercial Banks
- AUB · Atlantic Union Bankshares CorpState Commercial Banks
- AVBH · Avidbank Holdings, Inc.State Commercial Banks
OFG SEC filings: frequently asked questions
Are OFG insiders buying or selling?
In the last 90 days, OFG BANCORP (OFG) officers, directors and 10% owners reported no open-market purchases and 3 open-market sales worth $3.5 million by 3 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold OFG stock?
As of June 30, 2026, the largest OFG BANCORP (OFG) holders among the 13F filers tracked by SignalX were BlackRock ($302.3 million), Vanguard Portfolio Management LLC ($153.1 million), Dimensional Fund Advisors ($125.9 million), State Street Corp ($123.0 million), Vanguard Capital Management LLC ($92.0 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was OFG's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), OFG BANCORP (OFG) reported revenue of $780.9 million (up 4.1% from FY2024) and net income of $205.1 million. Diluted EPS was $4.58. The figures come from the XBRL data in the 10-K.
What are the main risks in OFG's latest 10-K?
In the 10-K filed February 25, 2026, OFG BANCORP (OFG) flagged: Regulatory risk: Potential enforcement or fines from non-compliance with USA Patriot Act and Bank Secrecy Act on anti-money laundering and suspicious activity reporting. Macroeconomic risk: Heavy loan portfolio concentration in Puerto Rico exposes to extended recession, credit losses, and loan value reduction amid fiscal uncertainties. (AI summary of the Risk Factors section.)
What did OFG report in its latest 8-K?
OFG BANCORP (OFG) filed an 8-K on July 21, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Q2 2026 results for quarter ended June 30, 2026.
What are the latest OFG SEC filings?
OFG BANCORP (OFG) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on July 21, 2026 and a Form 4 insider filing on September 17, 2026.
What is OFG's SEC CIK number?
OFG BANCORP (OFG)'s SEC Central Index Key (CIK) is 1030469. EDGAR lists every OFG filing under that number.
Ask anything about OFG
The research agent reads OFG's filings, financials, insider trades and 13F holders, then answers with sources.