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Jun 30, 2025
OFG Bancorp Q2 2025 Earnings Report
OFG Bancorp reported strong Q2 2025 results with higher EPS and revenue driven by solid loan origination and deposit growth.
Key Takeaways
OFG Bancorp delivered strong Q2 2025 results with EPS of $1.15, revenue of $182.2 million, and net income supported by loan growth and stable credit quality.
EPS rose to $1.15, reflecting strong operating performance
Revenue reached $182.2 million, supported by mortgage and wealth management activities
Loans held for investment grew to $8.18 billion, driven by commercial lending
Customer deposits increased to $9.90 billion, reflecting higher time and savings balances
Forward Guidance
OFG expects continued loan growth, stable credit quality, and further investments in digital banking tools to enhance customer experience.
Positive Outlook
- Strong loan origination expected to continue
- Stable economic conditions in Puerto Rico
- Digital banking investments driving customer engagement
- Improved liquidity from wholesale funding
- Commercial lending strategy supporting revenue growth
Challenges Ahead
- Higher wholesale funding costs
- Potential credit risk in commercial loans
- Interest rate volatility could pressure margins
- Dependence on Puerto Rico’s economic stability
- Increased competition in digital banking services
Historical Earnings Impact
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Avg. Return Before/After Earnings
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