[Form 4] OFG BANCORP Insider Trading Activity

Rhea-AI Filing Summary

Hugh Gonzalez, General Counsel of OFG Bancorp (OFG), reported a gift of common stock on 09/02/2025. The Form 4 shows a transaction code G for a donation of 45 shares, leaving Mr. Gonzalez with 13,651 shares beneficially owned after the transaction. The form was signed and dated 09/04/2025 and filed by a single reporting person. The filing explicitly states the transfer was a charitable donation and identifies the reporter's address in San Juan, PR. No purchase or sale price is reported because the transfer was a gift.

Positive

• Clear disclosure of the transaction type (charitable donation) and transaction date (09/02/2025).
• Timely filing and signature (signed 09/04/2025), showing compliance with Section 16 reporting.
• Small, explicit reduction in holdings from 13,696 to 13,651 shares, indicating the transfer is immaterial to control.

Negative

• No material negative developments are disclosed; transfer is a gift without sale proceeds or fundamental impact.

Insights

Financial Analyst

TL;DR: Routine insider charitable donation of 45 shares; no material change to ownership or company fundamentals.

This Form 4 documents a gift (code G) by an officer, which reduces holdings from 13,696 shares to 13,651 shares, a small, non-economic transfer that does not reflect a sale or change in voting arrangements. For investors, this is principally a disclosure and not an indicator of operational or financial change. The timely filing and clear explanation support good insider-reporting governance.

Corporate Governance Expert

TL;DR: Properly disclosed charitable stock transfer by an officer; governance procedures appear followed.

The Form 4 identifies the reporting person, role (General Counsel), transaction date (09/02/2025) and the nature of the transfer as a charitable donation. The form was signed on 09/04/2025, indicating prompt reporting. There is no indication of related-party transfer restrictions or derivative transactions. Documentation meets Section 16 reporting requirements for a non-sale transfer.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Gonzalez Hugh

(Last) (First) (Middle)

P.O. BOX 195115

(Street)

SAN JUAN PR 00919-5115

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
OFG BANCORP [ OFG ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	General Counsel

3. Date of Earliest Transaction (Month/Day/Year)
09/02/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/02/2025		G		45	D	(1)	13,651	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The transaction reported in this Form 4 represents a charitable donation of common stock by Mr. Gonzalez, the reporting person.

Remarks:

	Hugh Gonzalez	09/04/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Hugh Gonzalez report on the OFG Form 4?

The filing reports a charitable donation of 45 shares of OFG common stock executed 09/02/2025, leaving 13,651 shares beneficially owned.

When was the Form 4 transaction and when was it filed?

The transaction date is 09/02/2025 and the Form 4 was signed and dated 09/04/2025.

What does transaction code 'G' mean on this Form 4?

Transaction code G denotes a gift or charitable donation of securities; no cash consideration is reported.

How many OFG shares did the reporting person own after the transaction?

After the reported donation, the reporting person beneficially owned 13,651 shares of OFG common stock.

What is the reporting person's role at OFG?

The Form lists the reporting person, Hugh Gonzalez, as an Officer with the title General Counsel.