All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2020-03-03.
From the record
Ofg Bancorp's filings since 2017 show 1 warning event: a late-report notice (Form NT 10-K or NT 10-Q, the latest 2020-03-03) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+9.1% a year over 10 filed years; profitable in 10 of 10.
From the record
Ofg Bancorp's 10 filed years say what it did: revenue went from $357 million in fiscal 2016 to $781 million in fiscal 2025, up 9.1% a year; it rose in 7 of 9 years; the deepest fall was 5% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 2.5% a year. 18% of cash flow returned. Insiders: 8 sales, 1 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Ofg Bancorp's diluted share count shrank about 2.5% a year, and dividends and buybacks returned about 18% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 8 sales and 1 purchase of their own stock on the open market in the year to 2026-09-30, buying about $65 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 15%: 15¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Ofg Bancorp earned about 15 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 4.5% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 41% of 155 in its family; net margin 26.3%.
From the record
Ofg Bancorp's standing among 155 graded names in its industry family: revenue of $781 million in fiscal 2025 ranks in the top 30% by size; a net margin of 26.3% ranks in the top 27%; revenue growth of 14.8% a year over the last 3 filed years ranks in the bottom 33% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 47% of 150 in its family for leadership; chief executive since 2015.
From the record
Ofg Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Fernandez, Jose Rafael (CEO; Chairman BOD, as filed), filing under that title since 2015-06-03, 11.4 years (top 28% of its family); the 15 officers and directors filing in the last fifteen months have been on the record a median of 5 years (bottom 15%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 15 people in charge now (top 28%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 27% of 142 in its family for room to expand.
From the record
Ofg Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $1.0 billion against no long-term debt tagged leaves 8.3% of its assets as net cash, top 12% of its family; cash from operations less capital spending is 25.5% of revenue (top 43%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 45% of 152 in its family for growth drivers.
From the record
Ofg Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 14.8% a year over the last three filed years against 9.1% over all 10, speeding up (top 33% of its family); the newest year grew 4.1% (bottom 46%); capital spending grew -16% a year (bottom 21%) (its annual reports). Ofg Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 46% of 150 in its family for expectations against reality.
From the record
Ofg Bancorp's newest year against its own record: revenue of $781 million in fiscal 2025 came in 13.7% below the $905 million its prior three years' pace pointed to (top 42% of its family); net income of $205 million against a prior three-year average of $182 million (bottom 48%); a net margin of 26.3% against 28.9% before (top 44%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made