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Dec 31, 2025
OFG Bancorp Q4 2025 Earnings Report
OFG Bancorp reported increased EPS and stable core revenue in Q4 2025, supported by favorable tax benefits and disciplined operations.
Key Takeaways
OFG Bancorp delivered a strong Q4 2025, with EPS rising to $1.27, driven by disciplined operations and a $16.8 million tax benefit. Core revenues grew modestly to $185.4 million, while asset quality remained stable. Net income rose significantly due to the tax benefit, despite a dip in pre-provision net revenues and higher credit loss provisions.
EPS for Q4 2025 was $1.27, up from $1.09 in Q4 2024.
Core revenues increased to $185.4 million from $181.9 million a year ago.
Net income benefited from a $16.8 million discrete tax gain.
Loans held for investment rose to $8.2 billion, a 5.25% YoY increase.
Forward Guidance
Management remains confident in long-term growth, supported by strong economic fundamentals in Puerto Rico, increased commercial loans, and client base expansion.
Positive Outlook
- Strong growth in Puerto Rico commercial loans.
- 4.26% increase in client base.
- Continued success of Libre and Elite deposit accounts.
- Solid economic activity supported by federal and private infrastructure investments.
- Leadership in digital banking innovation in Puerto Rico.
Challenges Ahead
- Higher provision for credit losses driven by specific commercial loan issues.
- Increased net charge-offs compared to prior quarters.
- Non-interest expense rose due to advisory and performance-related costs.
- Decline in pre-provision net revenues from prior quarter.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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