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Sep 30, 2022

OFG Bancorp Q3 2022 Earnings Report

Reported strongest quarter year to date, driven by total core revenue growth.

Key Takeaways

OFG Bancorp reported a strong third quarter, driven by total core revenue growth and improvements in key performance metrics. The company demonstrated resilience in supporting customers following Hurricane Fiona, with business activity returning to pre-hurricane levels.

EPS diluted was $0.87, an increase from both the previous quarter and the same quarter last year.

Total core revenues reached $156.8 million, showing growth compared to both 2Q22 and 3Q21.

The regular quarterly cash dividend was increased to $0.20 per common share.

Key performance metrics improved, including return on average assets of 1.65%, return on average tangible common stockholders’ equity of 18.05%, and an efficiency ratio of 55.80%.

Total Revenue
$127M
Previous year: $103M
+23.2%
EPS
$0.87
Previous year: $0.81
+7.4%
Net Interest Margin
5.23%
Previous year: 4.12%
+26.9%
CET1 Ratio
13.34%
Previous year: 13.52%
-1.3%
Efficiency Ratio
55.8%
Previous year: 58.59%
-4.8%
Cash and Equivalents
$815M
Previous year: $2.76B
-70.4%
Free Cash Flow
$18.4M
Previous year: $19.2M
-3.9%
Total Assets
$10.1B
Previous year: $10.6B
-5.2%

OFG Bancorp

OFG Bancorp

Forward Guidance

No specific forward guidance was provided in the report.