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Ofg Bancorp

OFG · Financials

Last earnings Oct 21, 2026

Key results

Revenuequarter

$184.0 million

Total core revenues of $184.0 million compared to $182.2 million in 2Q25 and $174.1 million in 3Q24.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

EPSquarter

16%

CEO Comment Jos Rafael Fern ndez, Chief Executive Officer, said Third quarter EPS grew 16% year-over-year on a 5.6% increase in total core revenues.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Banking Financial Service revenuequarter

$29.3 million

Total Banking Financial Service Revenues of $29.3 million compared to $30.2 million in 2Q25 and $26.3 million in 3Q24.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Pre-Provision Net revenuequarter

$89.6 million

Pre-Provision Net Revenues of $89.6 million compared to $87.6 million in 2Q25 and $83.1 million in 3Q24.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

AI analysis

Q3 2025 · reported Oct 22, 2025

Based on: Earnings release + parent 8-K — transcript not held

Revenue · Q3 2025
$184.0M
EX-99 · Oct 22, 2025
Banking Financial Service revenue · Q3 2025
$29.3M
EX-99 · Oct 22, 2025
Pre-Provision Net revenue · Q3 2025
$89.6M
EX-99 · Oct 22, 2025

The quarter in charts

Segment mix

Business-unit revenue, as stated

033.366.7100$89.6MPre-Provision Net$29.3MBanking Financial Service

Segment revenue figures as stated in the event record.

Headline figures

MetricQ3 2025Prior qtrYear ago
Revenue$184.0 million——
EPS16%——
Banking Financial Service revenue$29.3 million——
Pre-Provision Net revenue$89.6 million——

EX-99 · Oct 22, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Performance and credit metrics remained strong, and we repurchased $20.4 million of common shares.

Total Borrowings Brokered Deposits (EOP) of $746.4 million compared to $732.3 million in 2Q25 and $346.5 million in 3Q24.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Ofg Bancorp Q3 2025 — Total core revenues of $184.0 million compared to $182.2 million in 2Q25 and $174.1 million in 3Q24.

Based on: Earnings release + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Performance and credit metrics remained strong, and we repurchased $20.4 million of common shares.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Total Borrowings Brokered Deposits (EOP) of $746.4 million compared to $732.3 million in 2Q25 and $346.5 million in 3Q24.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Compared to 2Q25, 3Q25 reflected increased borrowings and decreased brokered deposits.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

3Q25 included repurchases of 477,600 common shares for $20.4 million.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

(22) Under the GNMA program, issuers such as OFG Bancorp have the option but not the obligation to repurchase loans that are 90 days or more past due.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

For accounting purposes, these loans subject to the repurchase option are required to be reflected (rebooked) on the financial statements of the Company with an offsetting liability.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Strategy & priorities

Our Digital First strategy is making significant strides, expanding our positioning as leaders in banking innovation in Puerto Rico.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

This quarter, we have also launched internal initiatives to apply AI to boost efficiency across all banking operations.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Compared to 2Q25, 3Q25 reflected strategic investments of $1.1 million in technology, people and process improvement $1.1 million due to higher business activity and marketing and a $0.8 million reduction in foreclosed real estate costs.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Risks & headwinds

These statements are based on management s current expectations and involve certain risks and uncertainties that may cause actual results to differ materially from those expressed in the forward-looking statements.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

For a discussion of such factors and certain risks and uncertainties to which OFG is subject, please refer to OFG s annual report on Form 10-K for the year ended December 31, 2024, as well as its other filings with the U.

SEC original ↗Ofg Bancorp — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials
Documents

Filings

30 documents

Earnings releases

12 documents

Presentations

0 documents

No presentations for Ofg Bancorp are held in this edition of the library.

Transcripts

0 documents

No transcripts for Ofg Bancorp are held in this edition of the library.

Mentioned by

1 company

Other tracked companies whose held documents mention Ofg Bancorp by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.