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    Ynyra Bohan

    Research Analyst at Hovde Group

    Ynyra Bohan is an analyst at Hovde Group, specializing in financial services sector research with a primary focus on banks and specialty finance firms. She closely covers companies such as Blue Ridge Bankshares and is recognized for providing in-depth analysis and seeking clarity on critical operational metrics, although quantifiable performance data such as analyst rankings or success rates are not publicly documented. Bohan began her tenure at Hovde Group prior to 2025; details about previous positions, professional credentials, and securities licenses are not disclosed in available sources. Her research is noted for its thoroughness and client-centric insights within the scope of financial institutions.

    Ynyra Bohan's questions to OFG BANCORP (OFG) leadership

    Ynyra Bohan's questions to OFG BANCORP (OFG) leadership • Q4 2024

    Question

    Ynyra Bohan of Hovde Group asked for guidance on the company's effective tax rate for 2025 and sought clarification on the sustainable run rate for noninterest income, with a specific focus on mortgage banking activities.

    Answer

    CFO Maritza Arizmendi responded, forecasting a 26% effective tax rate (ETR) for 2025, following a ~24% ETR in 2024 which benefited from activities with preferential tax treatment. Regarding noninterest income, Arizmendi clarified that Q4 mortgage banking results included a positive MSR valuation adjustment and that a sustainable run rate should exclude that item, while also noting the recurring ~$1 million quarterly contribution from a recent MSR portfolio acquisition.

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