FERNANDEZ JOSE RAFAEL

CEO/Chairman Fernandez sells 30,000 shares (30.0K) at $40.89 avg; holdings drop to 184.7K; 5 prior OFG sells all well-timed at 90d

Jose Rafael Fernandez, CEO and Chairman, executed 2 separate sales totaling 30,000 shares for $1,226,604.30 on 2025-11-11 and 2025-11-12 at a blended average price of $40.89, reducing his holdings from 214.7K to 184.7K shares. His prior 5 trades at OFG have a perfect 90-day well-timed selling record (5 of 5), with 90-day post-sale returns ranging from -3.6% to -11.2%, indicating consistent execution before stock declines. The current stock price of $40.75 is 12.8% below its 52-week high and down 3.4% over the past 30 days, placing it at the lower end of its annual range. This sale extends a demonstrated pattern of well-timed exits at this ticker, though timing conclusions cannot characterize the current filing itself without explicit disclosure of the trade's scheduling mechanism.

CEO José Rafael Fernández sold 100,000 OFG shares ($4.5M) at $45.30 avg, reducing holdings 29.9%

José Rafael Fernández, CEO & Chairperson, executed 2 separate sales totaling 100,000 shares for $4,530,480.00 ($4.5M) on 2024-12-04 and 2024-12-05 at a blended average price of $45.30, reducing his holdings from 334,774 shares to 234,774 shares (a -29.9% reduction). This is a material disposition by the company's top executive—divesting nearly 30% of his position—at prices slightly above the current market price of $44.79. His prior 4 sales at OFG showed strong timing, with 3 of 4 well-timed at the 90-day mark (all posted negative 90-day returns: -4.5%, -6.0%, -8.5%, -4.1%), and his cross-ticker track record exhibits a 75.00% well-timed sell rate with an average 90-day return of -3.4%. The stock currently trades -4.4% from its 52-week high of $46.84, suggesting the CEO executed near the recent peak. While the company shows strong fundamentals with a P/E of 10.56 and net income of $47,000,000.00, the scale and pattern of this sale warrant investor attention given the CEO's historical trading discipline at this ticker.