OFG Bancorp (NYSE: OFG) closed at $41.58, down 0.8% on the day.
Market capitalization: $1.83 billion.
Latest Quarterly Results
• Consolidated total core revenues: $185.4 million in Q4 2025 (Q3 2025: $184.0m; Q4 2024: $181.9m).
• Net income available to common stockholders: $55.893 million in Q4 2025 (Q3 2025: $51.838m; Q4 2024: $50.347m).
• Diluted EPS: $1.27 in Q4 2025, $1.16 in Q3 2025, and $1.09 in Q4 2024.
• Year-over-year: Q4 2025 total core revenues increased 1.9% vs Q4 2024; diluted EPS rose 16.4% YoY.
Financial Trends
Figure 1: Quarterly total core revenues (blue) and EPS (orange, scaled).
Figure 2: 1-month stock price trend (anchored to reported close).
Business & Operations Update
• Net interest margin: 5.12% in Q4 2025; net interest income for the quarter was $152.7 million.
• Provision for credit losses: $31.9 million in Q4 2025.
• Deposits and liquidity: period-end customer deposits $9.92 billion; cash and cash equivalents $1.04 billion.
• Buybacks and capital deployment: $40.1 million of share repurchases in Q4 and $91.6 million for 2025; quarterly dividend increased to $0.30 per share for the quarter.
M&A or Strategic Moves
• No announced acquisitions in the Q4 materials. Capital actions focused on buybacks and dividend increases.
Equity Analyst Commentary
• Management highlighted disciplined capital deployment and a tax benefit that affected EPS in the quarter.
Guidance & Outlook — what to watch for
• Watch for commentary on loan production, provision trends, and capital deployment plans during the company call.
Performance Summary
• Stock closed at $41.58, down 0.8%.
• Q4 total core revenues: $185.4m; net income available to common: $55.9m; diluted EPS: $1.27.
• The company signaled sustained capital returns via buybacks and dividend increases.