OFG Stock Analysis: Buy, Sell, or Hold?
OFG - OFG BANCORP
$40.30
0.56 (1.41%)
▲
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 16, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: OFG shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: OFG shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$55.27
Based on 5.9% avg growth
INTRINSIC VALUE TODAY
$34.32
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OFG is currently trading at $40.30, which is considered fair relative to its 30-day fair value range of $39.19 to $42.27. The stock's valuation (Forward PE: 8.6) is in line with its historical norms (9.0). Remarkably, the market is currently pricing in an annual earnings decline of 1.4% over the next few years. This pessimistic expectation contrasts with the company's recent 16.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, OFG is in a downtrend. Immediate support is located at $35.71, while resistance sits at $42.79.
Market Sentiment: OFG has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $44.40 (+11.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, OFG is in a downtrend. Immediate support is located at $35.71, while resistance sits at $42.79.
Market Sentiment: OFG has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $44.40 (+11.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$39.19 -
$42.27
Company Quality Score
45/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
51.9%
Protect Your Profits
Holding OFG? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($44.40)
Fair Price Analysis
30-Day Fair Range
$39.19 -
$42.27
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$2.03
(5.0%)
Support & Resistance Levels
Support Level
$35.71
Resistance Level
$42.79
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
8.64
Wall Street Target
$44.40
(+11.7%)
Earnings Growth (YoY)
16.4%
Profit Margin
32.9%
Valuation Discount vs History
-1.4% cheaper
PE vs Historical
8.6 vs 9.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.4%
(market-implied from PE analysis)
1-Year Target
$39.18
(-1%)
2-Year Target
$38.64
(-3%)
3-Year Target
$38.09
(-4%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$39.70
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 7.9%)
$128.92
(+224%)
Base:
(SPY PE: 8.6, Growth: 7.9%)
$49.92
(+26%)
Bear:
(PE: 7.3, Growth: 7.9%)
$42.44
(+7%)
📈
Valuation based on Current Earnings
Trailing PE: 8.28 | Current EPS (TTM): $4.58
Bull Case
$41.89
(+5%)
Analyst growth 0.5%, PE expands to 9.1
Base Case
$38.08
(-4%)
Market implied 0.5%, PE stable at 8.3
Bear Case
$25.77
(-35%)
Severe decline -20.0%, PE contracts to 7.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.6 to 9.0
Stabilization Target:
$41.42
(+4.2%)
PE Expansion Potential:
+4.2%
Last updated: January 30, 2026 5:35 PM ET
Data refreshes hourly during market hours. Next update: 6:35 PM
Data refreshes hourly during market hours. Next update: 6:35 PM
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Technical Signals Check
Is OFG showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced OFG Option Strategies
Professional options setups generated by AI based on today's OFG price and gamma walls.
