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Jun 30, 2023

OFG Bancorp Q2 2023 Earnings Report

Reported a strong second quarter with significant year-over-year revenue and earnings growth.

Key Takeaways

OFG Bancorp reported a strong Q2 2023, marked by a 16.5% year-over-year increase in total core revenues and a 10.7% increase in earnings per share. The quarter benefited from strong loan production, stable core deposits, and increased operating leverage.

Total core revenues increased by 16.5% year-over-year.

Earnings per share increased by 10.7% year-over-year.

Strong loan production and stable core deposits were observed.

A new self-service portal was launched, leading to increased digital transaction activity and freeing up team members for value-added service.

Total Revenue
$140M
Previous year: $115M
+21.3%
EPS
$0.93
Previous year: $0.84
+10.7%
Net Interest Margin
5.9%
Previous year: 4.8%
+22.9%
CET1 Ratio
14.01%
Previous year: 12.8%
+9.5%
Efficiency Ratio
52.13%
Previous year: 58.27%
-10.5%
Cash and Equivalents
$799M
Previous year: $1.31B
-38.9%
Free Cash Flow
$42.6M
Previous year: $42.2M
+1.0%
Total Assets
$10B
Previous year: $10.2B
-2.1%

OFG Bancorp

OFG Bancorp

Forward Guidance

The information included contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. 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.

Challenges Ahead

  • general business and economic conditions, including changes in interest rates
  • cybersecurity breaches
  • hurricanes, earthquakes, pandemics, and other natural disasters
  • competition in the financial services industry