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Jun 30, 2022

OFG Bancorp Q2 2022 Earnings Report

Reported a strong quarterly performance driven by core businesses growth, loan and deposit increases, net interest margin expansion, and banking and wealth management income rebound.

Key Takeaways

OFG Bancorp reported a strong second quarter with EPS of $0.84, driven by growth in loans and deposits, expansion of net interest margin, and rebound in banking and wealth management income. The company also repurchased $30.6 million of shares.

EPS diluted was $0.84 compared to $0.78 in 2Q21.

Total core revenues were $146.3 million compared to $133.3 million in 2Q21.

Net Interest Income was $115.1 million compared to $102.3 million in 2Q21.

Net Interest Margin expanded to 4.80% from 4.22% in 2Q21.

Total Revenue
$115M
Previous year: $102M
+12.6%
EPS
$0.84
Previous year: $0.78
+7.7%
Net Interest Margin
4.8%
Previous year: 4.22%
+13.7%
CET1 Ratio
12.8%
Efficiency Ratio
58.27%
Previous year: 62.02%
-6.0%
Cash and Equivalents
$1.31B
Previous year: $2.77B
-52.8%
Free Cash Flow
$42.2M
Previous year: $26M
+62.4%
Total Assets
$10.2B
Previous year: $10.5B
-2.0%

OFG Bancorp

OFG Bancorp

Forward Guidance

No forward guidance provided in the earnings report.