OFG OFG BANCORP

company

SEC Filings & Insider Trading Activity 2026

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%)

What are the latest OFG SEC filings in 2026?

OFG BANCORP (OFG) has filed a 10-K annual report on February 25, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on July 21, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did OFG file its most recent 10-K annual report?

OFG BANCORP (OFG) filed its most recent 10-K annual report on February 25, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view OFG 10-Q quarterly reports?

OFG BANCORP (OFG)'s most recent 10-Q quarterly report was filed on May 8, 2026. SignalX displays every OFG 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has OFG filed recently?

OFG BANCORP (OFG)'s most recent 8-K was filed on July 21, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find OFG insider trading activity (Form 4)?

SignalX aggregates every OFG Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does OFG file with the SEC?

OFG BANCORP (OFG) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new OFG filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for OFG BANCORP (OFG).

What is OFG's SEC CIK number?

OFG BANCORP (OFG)'s SEC CIK (Central Index Key) number is 1030469. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1030469 to look up all OFG filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find OFG return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from OFG BANCORP (OFG) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.