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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.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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