OFG
OFG Bancorp Financial Services - Banks - Regional Investor Relations →
OFG Bancorp (OFG) closed at $40.94 as of 2026-02-02, trading 21.3% above its 200-week moving average of $33.75. The stock moved further from the line this week, up from 19.7% last week. The 14-week RSI sits at 57, indicating neutral momentum.
Over the past 1980 weeks of data, OFG has crossed below its 200-week moving average 26 times. On average, these episodes lasted 26 weeks. Historically, investors who bought OFG at the start of these episodes saw an average one-year return of +12.4%.
With a market cap of $1800 million, OFG is a small-cap stock. Return on equity stands at 15.5%, a solid level. The stock trades at 1.3x book value.
The company has been aggressively buying back shares, reducing its share count by 8.5% over the past three years.
Over the past 33.2 years, a hypothetical investment of $100 in OFG would have grown to $3892, compared to $2849 for the S&P 500. That represents an annualized return of 11.7% vs 10.6% for the index — confirming OFG as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been growing at a 39.9% compound annual rate, with 4 consecutive years of positive cash generation.
Growth of $100: OFG vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After OFG Crosses Below the Line?
Across 24 historical episodes, buying OFG when it crossed below its 200-week moving average produced an average return of +15.9% after 12 months (median -2.0%), compared to +8.6% for the S&P 500 over the same periods. 48% of those episodes were profitable after one year. After 24 months, the average return was +37.0% vs +20.6% for the index.
Each line shows $100 invested at the moment OFG crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
OFG has crossed below its 200-week MA 26 times with an average 1-year return of +12.4% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jul 1988 | Aug 1988 | 8 | 6.8% | -27.0% | +8839.4% |
| Oct 1988 | Apr 1991 | 131 | 44.7% | -26.7% | +8605.8% |
| May 1991 | Jun 1991 | 3 | 0.6% | +35.3% | +10488.1% |
| Jun 1991 | Jul 1991 | 1 | 0.3% | +48.6% | +10488.1% |
| Jul 1991 | Aug 1991 | 4 | 6.8% | +61.9% | +10782.2% |
| Dec 1999 | Dec 1999 | 1 | 2.1% | -38.0% | +593.3% |
| Jan 2000 | Jan 2000 | 3 | 0.5% | -24.3% | +571.2% |
| Feb 2000 | Aug 2001 | 78 | 47.0% | -28.2% | +560.9% |
| Aug 2001 | Jan 2002 | 20 | 14.0% | +35.7% | +551.8% |
| Apr 2005 | Jan 2008 | 144 | 46.9% | -2.3% | +398.8% |
| Jun 2008 | Jul 2008 | 1 | 0.3% | -31.4% | +327.0% |
| Oct 2008 | Oct 2008 | 1 | 5.1% | +1.6% | +362.2% |
| Nov 2008 | Jul 2009 | 36 | 91.0% | +1.4% | +497.5% |
| Oct 2009 | Mar 2010 | 19 | 19.2% | +25.8% | +444.4% |
| Nov 2010 | Dec 2010 | 6 | 1.6% | -7.1% | +384.8% |
| Jan 2011 | Jan 2011 | 2 | 4.2% | +7.0% | +382.4% |
| Feb 2011 | Feb 2011 | 1 | 0.3% | -0.2% | +377.2% |
| May 2011 | Jun 2011 | 7 | 4.8% | -1.2% | +381.3% |
| Aug 2011 | Dec 2011 | 20 | 23.5% | -8.0% | +384.1% |
| Apr 2012 | Jun 2012 | 11 | 10.5% | +39.4% | +406.0% |
| Jul 2012 | Sep 2012 | 7 | 4.6% | +75.1% | +412.3% |
| Sep 2012 | Oct 2012 | 4 | 5.4% | +57.7% | +426.4% |
| Apr 2015 | Nov 2016 | 81 | 60.8% | -34.0% | +279.9% |
| Mar 2017 | Feb 2018 | 49 | 28.4% | +1.7% | +315.7% |
| Mar 2018 | Apr 2018 | 2 | 3.5% | +81.3% | +352.5% |
| Mar 2020 | Nov 2020 | 34 | 33.6% | +77.2% | +260.0% |
| Average | 26 | — | +12.4% | — |
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of Friday close, 2026-02-02