OFG · TickerCove

OFGOFG BancorpFinancial Services · Banks - Regionalas of 2026-09-16

Horizon

Issued 2026-09-16 at $52.49 · now $52.49 (2026-09-16, +0.0% since)

Based on its own history, a month from the 2026-09-16 close, OFG has typically landed between $47.15 and $59.80 — a range of −10.2% to +13.9% from the issuance price $52.49.

Range of outcomes in historically similar periods — not a price prediction. Ranges are scored publicly on /methodology.

Actual close
Typical path (median)
Middle 50% of outcomes
90% range

5,003 overlapping 1 month windows · 2006-09-26 – 2026-08-17 · basis climatology · forecast (batch). Probability up 53.9% (90% CI 51.7–56.1%, ≈1,408 obs).

The cone is anchored at the 2026-09-16 issuance close ($52.49) — the price the forecast resolves against on 2026-10-15, not the latest close. The drawn path shape is illustrative (bands widen with √t); every labeled number is real — the anchor, the scored batch p90/IQR endpoints, and the typical move.

52-week range$52.49 · 92% of range

$36.56 low$53.95 high

Trailing 52 weeks to 2026-09-16 — factual context, not a signal.

Base rate up · monthiClimatology base rate that a US-listed stock rises over a month, with its 90% CI and ≈1,408 effective observations. Not a call on this stock — we have no evidence its odds differ.

53.9%

90% CI 51.7%–56.1%

Distribution · month iiThe price-anchored range: typical move (median), and the p90 downside/upside — 90% of similar periods stayed inside these. Ranges, not a prediction of direction.

+1.1%

typical move · IQR 9.4%

−10.2%worst (p90)+13.9%best (p90)

Insider convictioniOpen-market common-stock purchases by company insiders in the last 90 days (grants and option exercises excluded). Historical tendency, not advice — detail below.

conviction buys

0 open-market sales

Congress disclosuresiRecent disclosed congressional trades for this company. Purchase clusters (≥2 members buying within 90 days) historically preceded a modestly higher forward return (+32 bp/mo in 2022–2026, +45 bp/mo in 2015–2021) — a descriptive tendency, not a forecast input. Detail below.

0 buys · 0 sells · 0 members

cluster tilt persisted, ~halved after 2021

Where OFG has typically landed a month from the 2026-09-16 close of $52.49 — the range is history, not a prediction.

now $52.49 (+0.0%)
typical $53.05 (+1.1%)
middle 50% $50.59–$55.51
90% range $47.15–$59.8

Actual 1-month windows behind the coneiEvery overlapping 1-month window in this security's own price history was ranked by realized return; shown are the 3 worst and 3 best of 5,003 windows spanning 2006-09-26 to 2026-09-16. Not cherry-picked — these are the extremes of the full sample. Max drop / max rise are the deepest and highest points reached within each window. See /methodology.

Start	Return	Max drop	Max rise
3 worst
2009-02-03	−84.4%	−84.4%	+7.6%
2009-02-04	−81.9%	−84.9%	+4.7%
2009-02-05	−77.4%	−85.5%	+0.0%
3 best
2009-03-05	+453.3%	+0.0%	+459.8%
2009-03-06	+360.6%	+0.0%	+367.4%
2009-03-04	+296.1%	−27.8%	+304.3%

5,003 overlapping windows · 2006-09-26 – 2026-09-16 · not cherry-picked

Seasonality · by month i

iFor each calendar month, the share of years this security closed higher than the month before, and the average month-over-month return, over ~20 years of its own price history. Cells are shaded by average return. This is historical frequency, not a prediction — no month is a signal.

Jan

45%

−0.9%

n=20

Feb

55%

−0.2%

n=20

Mar

50%

+8.6%

n=20

Apr

55%

+9.2%

n=20

May

50%

−1.4%

n=20

Jun

60%

+0.1%

n=20

Jul

60%

+6.2%

n=20

Aug

35%

−1.5%

n=20

Sep

45%

−0.6%

n=20

Oct

55%

+0.8%

n=20

Nov

65%

+1.1%

n=20

Dec

65%

+4.0%

n=20

Up-frequency and average month-over-month return · historical frequency, not a prediction

Reported insider & political trades

Every Form 4 the people closest to this company have filed with the SEC — plotted against the share price, aggregated by month, and shown with the gap between when each trade happened and when it was disclosed. A public record, not advice.

Date	Person	Role	Action	Shares @ price	Value	Ownership Δ	vs S&P 1m	vs S&P 6m	Owned after	Filing
2026-08-14	Arizmendi Maritza	officer	Sale	10,000 @ $53.35	$533K	−15.0% of holding	+0.5%	not yet — horizon still open	56,684	Form 4 · filed same day
2026-08-12	De Jesus Nestor	director	Sale	4,000 @ $53.00	$212K	−16.6% of holding	+0.6%	not yet — horizon still open	20,040	Form 4 · filed 2 days after the trade
2026-07-24	FERNANDEZ JOSE RAFAEL	director	Sale	52,352 @ $52.45	$2.7M	−25.5% of holding	−3.4%	not yet — horizon still open	152,657	Form 4 · filed 4 days after the trade
2026-02-20	FRANQUI ANNETTE	director	Purchase	1,540 @ $42.06	$65K	+81.1% of holding	−2.7%	+12.7%	3,440	Form 4 · filed same day
2025-12-22	De Jesus Nestor	director	Sale	2,000 @ $42.31	$85K	−8.1% of holding	−12.2%	+10.6%	22,690	Form 4 · filed same day
2025-12-15	Ortiz Cesar A	officer	Sale	5,500 @ $42.17	$232K	−94.0% of holding	−2.0%	+2.5%	351	Form 4 · filed same day
2025-11-12	FERNANDEZ JOSE RAFAEL	director	Sale	25,232 @ $40.95	$1.0M	−12.0% of holding	+3.8%	+0.9%	184,675	Form 4 · filed same day
2025-11-11	FERNANDEZ JOSE RAFAEL	director	Sale	4,768 @ $40.53	$193K	−2.2% of holding	+2.4%	+1.3%	209,907	Form 4 · filed 1 day after the trade
2025-11-10	Colon Jorge	director	Sale	25,000 @ $40.85	$1.0M	−47.6% of holding	+1.9%	+0.6%	27,543	Form 4 · filed 2 days after the trade
2025-06-10	Arizmendi Maritza	officer	Sale	5,000 @ $42.30	$212K	−7.9% of holding	+3.4%	−15.8%	58,470	Form 4 · filed 157 days after the trade
2025-05-05	Arizmendi Maritza	officer	Sale	5,000 @ $41.44	$207K	−7.3% of holding	−5.8%	−25.7%	63,470	Form 4 · filed 2 days after the trade

The vs-S&P columns are a labeled look-back on what the stock did after each filing, measured against the index over the same window. Descriptive history, not a claim about the person or a reason to trade.

289 award / exercise / gift records — not counted as purchases

Awards, option exercises, gifts and tax-withholding disposals are shown separately and never counted as open-market purchases or sales — they carry no conviction information.

Date	Person	Role	Action	Shares	Owned after	Filing
2026-09-09	FERNANDEZ JOSE RAFAEL	director	Gift	600	152,057	Form 4
2026-09-09	FERNANDEZ JOSE RAFAEL	director	Gift	600	152,057	Form 4
2026-09-09	FERNANDEZ JOSE RAFAEL	director	Gift	600	152,057	Form 4
2026-09-09	FERNANDEZ JOSE RAFAEL	director	Gift	600	152,057	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Withheld for tax	5	315	Form 4
2026-08-26	Grindstaff Lynda	director	Withheld for tax	5	315	Form 4
2026-08-26	Grindstaff Lynda	director	Option exercise	50	1,500	Form 4
2026-08-26	Grindstaff Lynda	director	Award / grant	50	320	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Award / grant	50	320	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Award / grant	50	320	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Award / grant	50	320	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Option exercise	50	1,500	Form 4
2026-08-26	Grindstaff Lynda	director	Award / grant	50	320	Form 4
2026-08-26	Grindstaff Lynda	director	Option exercise	50	1,500	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Option exercise	50	1,500	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Option exercise	50	1,500	Form 4
2026-08-26	Grindstaff Lynda	director	Award / grant	50	320	Form 4
2026-08-26	Grindstaff Lynda	director	Option exercise	50	1,500	Form 4
2026-08-26	Grindstaff Lynda	director	Option exercise	50	1,500	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Award / grant	50	320	Form 4
2026-08-26	Grindstaff Lynda	director	Award / grant	50	320	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Option exercise	50	1,500	Form 4
2026-08-26	Grindstaff Lynda	director	Award / grant	50	320	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Award / grant	50	320	Form 4
2026-08-26	Grindstaff Lynda	director	Option exercise	50	1,500	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Award / grant	50	320	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Option exercise	50	1,500	Form 4
2026-08-26	Grindstaff Lynda	director	Award / grant	50	320	Form 4
2026-08-26	Garcia Rodriguez Roberto	director	Option exercise	50	1,500	Form 4
2026-08-26	Grindstaff Lynda	director	Option exercise	50	1,500	Form 4
2026-05-19	Rodriguez Mari Evelyn	officer	Withheld for tax	1,957	13,772	Form 4
2026-05-19	Rodriguez Mari Evelyn	officer	Option exercise	3,500	4,827	Form 4
2026-05-19	Rodriguez Mari Evelyn	officer	Option exercise	8,750	15,729	Form 4
2026-05-19	Rodriguez Mari Evelyn	officer	Option exercise	3,500	4,827	Form 4
2026-05-19	Rodriguez Mari Evelyn	officer	Option exercise	8,750	15,729	Form 4
2026-05-11	Velez-Dominguez Rafael A	director	Award / grant	1,500	1,500	Form 4
2026-05-11	Velez-Dominguez Rafael A	director	Award / grant	1,500	1,500	Form 4
2026-05-04	Vazquez Angel E.	director	Award / grant	1,500	1,500	Form 4
2026-05-04	Vazquez Angel E.	director	Award / grant	1,500	1,500	Form 4
2026-04-29	Garcia Rodriguez Roberto	director	Award / grant	1,500	1,550	Form 4

Source: SEC Form 4 filings. Each row links to its original filing.

Across 2012–2021, stocks where a CEO, C-suite officer, or director had recently made an open-market common-stock purchase ran about +28 bp per month above the universe average (n=34,268 stock-weeks). A historical tendency, not a prediction.

Congressional disclosures

No congressional trades disclosed for this company.

Resolves in i

27d remaining

2026-09-174% elapsed2026-10-15

Logged immutably 2026-09-17; scored automatically on 2026-10-15 — no edits, ever.

Earnings & context analysis

These panels are being prepared. They are generated by multiple language models, checked, and stored before display — never written live for a page view. Until a model panel has been generated and reviewed for a company, nothing is shown here, honestly, rather than a placeholder.

Calibration i

Every forecast is logged when made and scored when the month is up. The record is shown from the day it starts — young and honest.

How scoring works →

Research tool, not investment advice — historical frequencies, not recommendations. A product of Marovel Technologies LLC. Full terms.

Seasonality · by month iHow this security has tended to do in each calendar month historically — a frequency, never a prediction.

Reported insider & political trades

Congressional disclosures

Seasonality · by month i