•
Sep 30, 2023

OFG Bancorp Q3 2023 Earnings Report

Reported an increase in core revenues and EPS, driven by loan growth and stable core deposits.

Key Takeaways

OFG Bancorp reported strong Q3 2023 results, with a 10% year-over-year increase in core revenues and a 9% increase in EPS. The company benefited from loan growth, stable core deposits, and higher interest rates. Digital initiatives and team member commitment were highlighted as key contributors.

Core revenues increased by 10% year-over-year.

EPS increased by 9% year-over-year.

Loan growth and stable core deposits contributed to the positive results.

Digital self-service portal adoption is growing.

Total Revenue
$142M
Previous year: $127M
+12.1%
EPS
$0.95
Previous year: $0.87
+9.2%
Net Interest Margin
5.8%
Previous year: 5.23%
+10.9%
Efficiency Ratio
52.36%
Previous year: 55.8%
-6.2%
Return on Average Assets
1.76%
Previous year: 1.65%
+6.7%
Cash and Equivalents
$533M
Previous year: $815M
-34.7%
Free Cash Flow
$84.8M
Previous year: $18.4M
+360.7%
Total Assets
$10.3B
Previous year: $10.1B
+2.0%

OFG Bancorp

OFG Bancorp

Forward Guidance

The information included in this document 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.