Kelly Motta

Timur Braziler

Anya Pelshaw

Arren Cyganovich

Brett Rabatin

Bader Hijleh

Frank Schiraldi

Kelly Ann Motta

Ynyra Bohan

- OFG reported **EPS of $1.16** and **Total Core Revenues of $184.0 million** for Q3 2025.  **[0001030469_2195254:1]** 
- The company maintained strong capital with a **CET1 ratio of 14.13%** and reported **Total Assets of $12.2 billion** at the end of Q3 2025.  **[0001030469_2195254:1]** 
- OFG executed a stock buyback of **477,641 common shares** and recorded a **provision for credit losses of $28.3 million** in Q3 2025.  **[0001030469_2195254:1]**

OFG Reports Q3 2025 Financial Results

- OFG Bancorp reported **diluted earnings per share of $1.16** for Q3 2025, marking a **16% increase** year over year, alongside a **5.6% rise in total core revenue**.  **[0001030469_2195780_0]** 
- The company's **net interest margin (NIM) was 5.24%** in Q3 2025, with an anticipated range of **5.1% to 5.2%** for Q4 2025.  **[0001030469_2195780_2]** 
- **Loans held for investment increased 5%** year over year to **$8.1 billion**, driven by commercial lending, while **average core deposits reached $9.9 billion**.  **[0001030469_2195780_1]** 
- **Credit quality remained stable** with a **non-performing loan rate of 1.22%**, and the **CET1 ratio stood at 14.13%**.  **[0001030469_2195780_2]** 
- OFG repurchased **$20.4 million** in common shares during the quarter and plans to be more active with buybacks in Q4 2025 and 2026, prioritizing loan growth, buybacks, and dividends.  **[0001030469_2195780_0]** **[0001030469_2195780_6]**

OFG Bancorp Reports Strong Q3 2025 Earnings and Provides Q4 NIM Guidance

- OFG Bancorp reported a **strong third quarter 2025**, with diluted EPS of **$1.16**, marking a **16%** year-over-year increase, and total core revenue growing **5.6%**.  **[0001030469_2196777_0]** 
- The company's digital-first strategy is driving momentum, with nearly all routine retail customer transactions now digital or self-service, and notable year-over-year growth in digital enrollment and new customer acquisition.  **[0001030469_2196777_0]** 
- Loans and core deposits increased year-over-year, with a strategic focus on commercial lending, and the company anticipates annual loan growth in the range of **5% to 6%**.  **[0001030469_2196777_0]** **[0001030469_2196777_2]** 
- Credit quality remained **stable** with a non-performing loan rate of **1.22%**, and OFG repurchased **$20.4 million** of common shares, planning more active buybacks in Q4 2025 and into 2026 due to its strong capital position.  **[0001030469_2196777_0]** **[0001030469_2196777_2]** **[0001030469_2196777_6]** 
- Management provided a Q4 2025 Net Interest Margin (NIM) guidance of **5.10% to 5.20%** and noted a positive economic outlook for Puerto Rico, supported by new onshoring investments.  **[0001030469_2196777_2]** **[0001030469_2196777_3]** **[0001030469_2196777_7]**

OFG Bancorp Reports Strong Q3 2025 Results and Positive Outlook

- OFG Bancorp reported **diluted EPS of $1.16**, a **16% increase year over year**, and a **5.6% increase in total core revenue** for Q3 2025.  **[0001030469_2195749_0]** 
- The company saw **year-over-year growth in loans and core deposit balances**, with a strategic focus on **commercial loans**, and repurchased **$20.4 million of common shares**.  **[0001030469_2195749_0]** 
- OFG's **digital-first strategy** is gaining momentum, with nearly all routine retail customer transactions now through digital and self-service channels, and **digital enrollment up 8%** year over year.  **[0001030469_2195749_0]** 
- Credit quality remains **stable** with a **non-performing loan rate of 1.22%** and a **CET1 ratio of 14.13%**.  **[0001030469_2195749_2]** 
- Management anticipates a **Net Interest Margin (NIM) of 5.10% to 5.20% for Q4 2025** and expects **annual loan growth in the range of 5% to 6%**.  **[0001030469_2195749_2]**  The Puerto Rico economy continues to perform well, boosted by tourism and new onshoring developments.  **[0001030469_2195749_3]**

OFG Bancorp Reports Strong Q3 2025 Results, Highlights Digital Strategy and Positive Economic Outlook

- OFG Bancorp reported **diluted EPS of $1.16**, a **16%** year-over-year increase, and a **5.6%** rise in total core revenue for Q3 2025.  **[0001030469_2196800_0]** 
- The company's digital-first strategy is driving growth, with **8%** year-over-year digital enrollment growth and **4.6%** net new customer growth, supported by innovative accounts and AI-driven customer insights.  **[0001030469_2196800_0]** 
- Loans grew **5%** year-over-year, with a focus on commercial lending, while core deposits increased **3%** year-over-year but saw a sequential decrease of **0.8%**.  **[0001030469_2196800_0]** **[0001030469_2196800_1]** 
- Net interest margin (NIM) was **5.24%** in Q3 2025, with a Q4 2025 guidance of **5.10%-5.20%** based on an anticipated **50 basis points** Fed funds reduction.  **[0001030469_2196800_2]** **[0001030469_2196800_5]** 
- Credit quality remains stable, despite Q3 2025 provision for credit losses of **$28.3 million** and net charge-offs of **$20 million** (including specific commercial loans).  **[0001030469_2196800_2]** **[0001030469_2196800_4]**  The company repurchased **$20.4 million** in common shares and plans increased buyback activity.  **[0001030469_2196800_0]** **[0001030469_2196800_6]**

OFG Bancorp Reports Strong Q3 2025 Earnings and Strategic Progress

- OFG Bancorp reported **diluted earnings per share (EPS) of $1.16** for Q3 2025, an increase from $1.00 in Q3 2024, alongside **total core revenues of $184.0 million**, up **5.6% year-over-year**.  **[1030469_0001030469-25-000047_ofg-20253qexx99.htm:0]** 
- The company maintained strong profitability with a **net interest margin of 5.24%**, a **return on average assets of 1.69%**, and a **return on average tangible common stockholders’ equity of 16.39%** in Q3 2025.  **[1030469_0001030469-25-000047_ofg-20253qexx99.htm:1]** **[1030469_0001030469-25-000047_ofg-20253qexx99.htm:5]** 
- Credit quality metrics remained robust, with a **net charge-off rate of 1.00%** and a **nonperforming loan rate of 1.22%** for Q3 2025.  **[1030469_0001030469-25-000047_ofg-20253qexx99.htm:1]** **[1030469_0001030469-25-000047_ofg-20253qexx99.htm:5]** **[1030469_0001030469-25-000047_ofg-20253qexx99.htm:20]** 
- OFG Bancorp returned capital to shareholders by repurchasing **$20.4 million of common shares** during the quarter.  **[1030469_0001030469-25-000047_ofg-20253qexx99.htm:0]** 
- **Loan and core deposit balances increased year-over-year**, with total loans held for investment reaching **$8.12 billion** and customer deposits at **$9.82 billion** by the end of Q3 2025.  **[1030469_0001030469-25-000047_ofg-20253qexx99.htm:0]** **[1030469_0001030469-25-000047_ofg-20253qexx99.htm:1]**

OFG Bancorp Reports Strong Q3 2025 Earnings and Revenue Growth

- OFG Bancorp reported **mixed third-quarter 2025 results**, with revenue growing **5.3%** year-over-year to **$184 million** but missing Wall Street expectations, and GAAP profit per share slightly below estimates.  **[1030469_37b7838b7b5f4fa297cab4cdc0c33786]** 
- The company experienced higher net charge-offs at **$20.2 million**, or **1.00%** of average loans, raising concerns about credit quality, though it maintained a solid capital ratio of **14.13%**.  **[1030469_37b7838b7b5f4fa297cab4cdc0c33786]** 
- Despite moderating loan growth, OFG Bancorp's tangible book value per share grew **10.6%** year-over-year to **$28.92**, beating analyst estimates, and the company executed **$20.4 million** in share buybacks.  **[1030469_37b7838b7b5f4fa297cab4cdc0c33786]** 
- Strategic investments in digital transformation and artificial intelligence helped attract new customers and control costs, contributing to general analyst optimism with a median price target of **$50.50**.  **[1030469_37b7838b7b5f4fa297cab4cdc0c33786]**

OFG Bancorp Reports Mixed Q3 2025 Results

- OFG Bancorp reported **diluted EPS of $1.16** for the third quarter ended September 30, 2025, an increase from $1.15 in 2Q25 and $1.00 in 3Q24.  **[1030469_9d470eaf47d841dfbda01288d03cec54_0]** 
- **Total core revenues reached $184.0 million** in 3Q25, up from $182.2 million in 2Q25 and $174.1 million in 3Q24.  **[1030469_9d470eaf47d841dfbda01288d03cec54_0]** 
- Key performance metrics for 3Q25 included a **net interest margin of 5.24%**, return on average assets of **1.69%**, return on average tangible common stockholders’ equity of **16.39%**, and an efficiency ratio of **52.48%**.  **[1030469_9d470eaf47d841dfbda01288d03cec54_0]** 
- The company repurchased **$20.4 million** of common shares during 3Q25.  **[1030469_9d470eaf47d841dfbda01288d03cec54_0]** **[1030469_9d470eaf47d841dfbda01288d03cec54_2]**

OFG BANCORP (OFG)