OFG Bancorp shares close lower after Q4 results and capital actions

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.