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OFG Bancorp (OFG) investor relations material

OFG Bancorp Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary22 Oct, 2025

Executive summary

  • Diluted EPS reached $1.16, up 16% year-over-year, with net income available to common shareholders of $51.8M and total core revenue increasing 5.6% to $184.0M.

  • Loans and core deposit balances grew year-over-year, led by commercial loan growth, while auto loans moderated as anticipated.

  • Digital-first and AI-driven strategies drove 8% growth in digital enrollment, 4.6% net new customer growth, and innovative product launches supporting customer acquisition.

  • $20.4 million in common shares repurchased during the quarter, totaling 477,641 shares.

  • Net interest income and core revenues continued to grow, supported by digital adoption and business expansion.

Financial highlights

  • Core revenues totaled $184 million, with total interest income at $200 million, up $6 million sequentially.

  • Net interest margin was 5.24%, with return on average assets at 1.69% and efficiency ratio at 52.48%.

  • Provision for credit losses increased to $28.3 million, driven by higher loan volume and specific reserves.

  • Non-interest expense rose to $96.5 million, reflecting investments in technology, people, and higher business activity.

  • Book value per share increased to $28.92.

Outlook and guidance

  • Annual loan growth expected in the 5%-6% range, with continued growth in both retail and commercial accounts.

  • Net interest margin for the year targeted at 5.30%-5.4%; Q4 guidance is 5.10%-5.20%, reflecting asset sensitivity and recent Fed rate cuts.

  • Non-interest expense anticipated at $95-$96 million per quarter.

  • Effective tax rate for the year now expected at 23.06%.

  • Positive outlook supported by Puerto Rico's strong economic performance, high employment, and robust consumer/business liquidity.

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Frequently asked questions

OFG Bancorp, established in 1964, is a financial holding company based in San Juan, Puerto Rico. The company operates primarily in Puerto Rico and the U.S. Virgin Islands, offering a broad range of financial services through its principal subsidiaries: Oriental Bank, Oriental Financial Services, and Oriental Insurance. OFG Bancorp provides consumer and commercial banking, lending, and wealth management solutions. It is also involved in financial services including auto loans, residential mortgages, consumer finance, credit cards, business loans, cash management, and investment brokerage services. The company is headquartered in San Juan, Puerto Rico, and its shares are listed on the New York Stock Exchange.

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