Earnings summaries and quarterly performance for OFG BANCORP.
Executive leadership at OFG BANCORP.
José R. Fernández
Detailed
Chief Executive Officer
CEO
AG
Ada García
Detailed
Managing Director, Customer Intelligence and Operations
CA
César A. Ortiz
Detailed
Chief Risk Officer
HG
Hugh González
Detailed
General Counsel
ME
Mari Evelyn Rodríguez
Detailed
Chief Retail Banking Officer
MA
Maritza Arizmendi
Detailed
Chief Financial Officer
PH
Patrick Haggarty
Detailed
Managing Director, Commercial Banking
Board of directors at OFG BANCORP.
Research analysts who have asked questions during OFG BANCORP earnings calls.
KM
Kelly Motta
Keefe, Bruyette & Woods
8 questions for OFG
Also covers: AX, BANR, BOH +20 more
Timur Braziler
Wells Fargo
5 questions for OFG
Also covers: ASB, BANC, BKU +16 more
Arren Cyganovich
Truist
4 questions for OFG
Also covers: ARCC, BPOP, BXSL +10 more
BR
Brett Rabatin
Hovde Group, LLC
4 questions for OFG
Also covers: BOKF, BPOP, CADE +20 more
Timur Braziler
Wells Fargo Securities
3 questions for OFG
Also covers: ASB
AP
Anya Pelshaw
Hovde Group
2 questions for OFG
Also covers: EQBK, FBK, FBP +2 more
MN
Manuel Navas
D.A. Davidson & Co.
2 questions for OFG
Also covers: ABCB, BFST, BPOP +20 more
BH
Bader Hijleh
Piper Sandler
1 question for OFG
FS
Frank Schiraldi
Piper Sandler
1 question for OFG
Also covers: BPOP, CASH, CBU +14 more
YB
Ynyra Bohan
Hovde Group
1 question for OFG
Recent press releases and 8-K filings for OFG.
OFG Bancorp Announces New Share Repurchase Plan
OFG
Share Buyback
- OFG Bancorp's Board of Directors has approved a new $200 million stock repurchase authorization plan.
- This new plan is open-ended and is in addition to the previously authorized stock repurchase plan.
- As of December 31, 2025, the prior share repurchase plan had $38.1 million available for repurchase.
Jan 28, 2026, 9:05 PM
OFG Bancorp Reports Mixed Q4 2025 Results, Shares Fall
OFG
Earnings
Guidance Update
- OFG Bancorp reported FY2025 Q4 revenue of $152.4 million and EPS of $1.26, contributing to a full-year diluted EPS increase of 8.3% and total core revenue growth of 2.8% for the year.
- The company achieved record total assets of $12.5 billion, driven by growth in loans and deposits, and expanding fee revenue.
- Management highlighted emerging net interest margin pressure due to rate cuts and funding mix changes, and noted an increase in nonperforming loans from $79.6 million to $99.0 million.
- Following the report, OFG Bancorp shares fell about 7% to $36.25 on Jan. 23, despite analysts' one-year average target of $45.80.
Jan 22, 2026, 9:24 PM
OFG Bancorp Reports Strong Q4 and Full-Year 2025 Results with Positive 2026 Outlook
OFG
Earnings
Guidance Update
Share Buyback
- OFG Bancorp reported strong Q4 2025 results with diluted EPS up 17% year-over-year and 2% growth in total core revenues. For the full year 2025, total assets grew 8.4% to a record $12.5 billion, and the company repurchased $92 million of shares while increasing its dividend by 20%.
- Key financial metrics for Q4 2025 included a net interest margin of 5.12%, an efficiency ratio of 56.7%, and a return on tangible average tangible common equity of 17.2%. The CET1 ratio was 13.97%.
- For 2026, the company expects total non-interest expense to be between $380 million-$385 million and projects net interest margin to range between 4.95%-5.05%. Loan growth is anticipated to be in low single digits, with a strategic focus on commercial growth.
Jan 22, 2026, 3:00 PM
OFG Bancorp Reports Strong Q4 and Full Year 2025 Results, Provides 2026 Outlook
OFG
Earnings
Guidance Update
Share Buyback
- **OFG Bancorp reported Q4 2025 diluted earnings per share up 17% year-over-year on 2% growth in total core revenues. For the full year 2025, EPS increased 8.3%, total assets grew 8.4% to a record $12.5 billion, core deposits grew 5% to $9.9 billion, and loans grew 5.3% to $8.2 billion. **
- The company repurchased $40 million of common shares in Q4 2025 and $92 million for the full year, while also increasing its dividend by 20%. Management expects to continue returning capital to shareholders through dividends and buybacks, prioritizing buybacks due to current valuation.
- OFG's digital-first strategy successfully drove a 4% growth in retail customers and increased market share in retail deposits in 2025, with Libre and Elite accounts attracting new and existing customers, including 40% of new Libre accounts from customers aged 29 or younger.
- For 2026, OFG expects total non-interest expense to be between $380 million and $385 million, net interest margin to range from 4.95% to 5.05%, and loan growth in low single digits. The effective tax rate for 2026 is projected around 23%.
- Credit quality remained resilient, though Q4 2025 provision for credit losses was $31.9 million, reflecting increased loan volume and a $5.1 million specific reserve on a Puerto Rico telecommunications commercial loan. Net charge-offs totaled $27 million in Q4, including $4.8 million related to the sale of non-performing loans.
Jan 22, 2026, 3:00 PM
OFG Bancorp Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
OFG
Earnings
Guidance Update
Share Buyback
- Q4 2025 diluted EPS increased 17% year-over-year on 2% growth in total core revenues, contributing to an 8.3% increase in full-year 2025 EPS.
- The company reported significant balance sheet growth in 2025, with total assets reaching a record $12.5 billion (up 8.4%), core deposits growing 5% to $9.9 billion, and loans increasing 5.3% to $8.2 billion.
- For 2026, OFG anticipates low single-digit loan growth, with commercial loans projected to increase 5%-6%, and expects net interest margin (NIM) to be between 4.95%-5.05%. Total non-interest expense is forecast to be between $380 million-$385 million.
- OFG repurchased $40 million of common shares in Q4 2025 and approximately $92 million for the full year, alongside a 20% dividend increase, and plans to continue share buybacks in 2026.
- The digital-first strategy drove a 4% growth in retail customers and a 5% increase in commercial customers in 2025, with a continued strategic focus on commercial growth in 2026.
Jan 22, 2026, 3:00 PM
OFG Bancorp Reports Strong Q4 and Full-Year 2025 Financial Results, Highlights Digital Growth and Capital Returns
OFG
Earnings
Share Buyback
Dividends
- OFG Bancorp reported strong financial results for Q4 2025, with EPS of $1.27 and Total Core Revenues of $185.4 million. For the full year 2025, EPS was $4.58 and Total Core Revenues reached $729.8 million. The company achieved a Net Interest Margin (NIM) of 5.12% in Q4 2025 and 5.27% for the full year 2025.
- In 2025, OFG Bancorp returned capital to shareholders through $91.6 million in share repurchases and increased its quarterly dividend by 20% to $0.30 per share. The CET1 ratio remained strong at 13.97% at year-end 2025.
- The company's "Digital First" strategy is driving operational success, with 96% of routine transactions and 98% of deposit transactions conducted digitally in Q4 2025. This contributed to a +4.26% increase in net customers and a +19.6% rise in digital active users in 2025 compared to 2023.
- While the Net Charge-Off (NCO) Rate was 1.32% and the Non-Performing Loan (NPL) Rate was 1.59% in Q4 2025 , the company maintains a positive outlook due to a strong Puerto Rico economy and its strategic positioning for growth.
Jan 22, 2026, 3:00 PM
OFG Bancorp Reports Q4 and Full Year 2025 Financial Results
OFG
Earnings
Share Buyback
- OFG Bancorp reported diluted earnings per share of $1.27 for Q4 2025, marking a 16.4% increase year-over-year, and $4.58 for the full year 2025, an 8.3% increase compared to 2024.
- Total core revenues reached $185.4 million in Q4 2025 and $729.8 million for the full year 2025, reflecting 1.9% and 2.8% year-over-year growth, respectively.
- The company repurchased $40.1 million of common shares in Q4 2025, contributing to a total of $91.6 million in share repurchases for the full year.
- Loans Held for Investment (EOP) grew to $8.20 billion in Q4 2025, an increase of 1.0% sequentially and 5.25% year-over-year. The client base expanded by 4.26% by year-end.
Jan 22, 2026, 12:56 PM
OFG Bancorp Reports Strong 4Q25 and Full Year 2025 Financial Results
OFG
Earnings
Share Buyback
- OFG Bancorp reported diluted EPS of $1.27 for 4Q25 and $4.58 for the full year 2025, with full-year EPS growing 8.3% compared to 2024.
- Total core revenues reached $185.4 million in 4Q25 and $729.8 million for the full year 2025, reflecting a 2.8% increase year-over-year for the full year.
- The company repurchased $40.1 million of common shares in 4Q25 and $91.6 million for the full year 2025, demonstrating a commitment to capital deployment and shareholder returns.
- Operational highlights included a 4.26% growth in client base, Loans Held for Investment (EOP) of $8.20 billion (up 5.25% year-over-year), and Customer Deposits (EOP) of $9.92 billion (up 5.0% year-over-year).
Jan 22, 2026, 12:30 PM
OFG Reports Q3 2025 Financial Results
OFG
Earnings
Share Buyback
New Projects/Investments
- OFG reported EPS of $1.16 and Total Core Revenues of $184.0 million for Q3 2025.
- 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.
- OFG executed a stock buyback of 477,641 common shares and recorded a provision for credit losses of $28.3 million in Q3 2025.
Oct 22, 2025, 2:00 PM
OFG Bancorp Reports Strong Q3 2025 Earnings and Provides Q4 NIM Guidance
OFG
Earnings
Guidance Update
Share Buyback
- 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.
- 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.
- 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.
- Credit quality remained stable with a non-performing loan rate of 1.22%, and the CET1 ratio stood at 14.13%.
- 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.
Oct 22, 2025, 2:00 PM
Quarterly earnings call transcripts for OFG BANCORP.
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