NYSE$OFG
Ofg Bancorp · Q1 2025 earnings
Q1 2025 earnings · · Before market open · Investor relations
Briefing
OFG Bancorp reported Q1 2025 total revenues of $185.0M with net income of $45.6M and diluted EPS of $1.00.
Total revenues were $185.0 million for the quarter ended March 31, 2025, at the Puerto Rico bank. Net income was $45.6 million ($1.00 diluted EPS). Loan growth, deposit costs, and island economic activity feature in MD&A.
- Q1 total revenues $185.0M; net income $45.6M.
- Diluted EPS $1.00.
- Puerto Rico banking franchise.
- Hurricane recovery funding and NIM trends affect outlook.
Headline financials
Revenue & EPS history
OFG Bancorp · Revenue · Quarterly
$179M
Forward guidance
Bank outlook focuses on net interest income, credit quality, and capital returns.
Tailwinds
- Deposit growth and stable credit trends support NII.
- Capital ratios remain above regulatory minimums.
Headwinds
- Rate cuts could compress net interest margins.
- Commercial real estate and consumer credit are watch items.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q1 2025
+1.2%
Avg return
Earnings day
+1.7%
Avg return
5 days after
+3.9%
Avg return
30 days after
56%
37 / 66 earnings
Positive
+16.3%
Q4 2017
Best reaction
-9.5%
Q1 2015
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +3.0% | +7.0% | +5.7% | |
| Q4 2025 | -8.2% | -11.0% | +0.2% | |
| Q3 2025 | -6.5% | -7.4% | -5.7% | |
| Q2 2025 | -0.1% | -1.1% | +0.7% | |
| Q1 2025 | +1.2% | +7.2% | +14.3% | |
| Q4 2024 | -1.4% | -3.8% | -6.9% | |
| Q3 2024 | -7.3% | -11.5% | -2.4% | |
| Q2 2024 | +1.4% | +8.8% | +0.4% | |
| Q1 2024 | +4.3% | +8.6% | +13.3% | |
| Q4 2023 | +5.2% | +6.1% | +0.1% | |
| Q3 2023 | -3.2% | -3.8% | +13.1% | |
| Q2 2023 | +8.6% | +7.5% | +0.7% | |
| Q1 2023 | +2.9% | +0.1% | -2.8% | |
| Q4 2022 | +1.9% | +3.8% | +9.5% | |
| Q3 2022 | +0.1% | +1.7% | +2.2% | |
| Q2 2022 | -1.9% | -1.4% | +8.6% | |
| Q1 2022 | -4.6% | -5.1% | -2.0% | |
| Q4 2021 | -8.1% | -7.8% | -8.0% | |
| Q3 2021 | +3.0% | +7.4% | +4.7% | |
| Q2 2021 | +5.7% | +7.7% | +14.3% | |
| Q1 2021 | +1.6% | +6.1% | +11.3% | |
| Q4 2020 | -9.0% | -10.2% | +3.7% | |
| Q3 2020 | -3.9% | -9.7% | +7.2% | |
| Q2 2020 | -5.2% | -4.7% | -11.7% | |
| Q1 2020 | -2.4% | -9.8% | -5.7% | |
| Q4 2019 | -0.1% | -1.4% | -17.9% | |
| Q3 2019 | -9.3% | -11.7% | -14.6% | |
| Q2 2019 | -4.7% | -0.4% | -10.9% | |
| Q1 2019 | -2.5% | +1.0% | -0.4% | |
| Q4 2018 | +2.5% | +3.1% | +16.4% | |
| Q3 2018 | +14.7% | +9.8% | +20.5% | |
| Q2 2018 | +11.3% | +11.0% | +20.5% | |
| Q1 2018 | +7.6% | +14.0% | +20.8% | |
| Q4 2017 | +16.3% | +18.4% | +11.7% | |
| Q3 2017 | +12.9% | +4.3% | +14.7% | |
| Q2 2017 | +5.6% | +2.5% | -9.6% | |
| Q1 2017 | +4.5% | +9.5% | -12.7% | |
| Q4 2016 | +1.9% | +3.5% | +2.3% | |
| Q3 2016 | +8.4% | +6.4% | +36.8% | |
| Q2 2016 | +8.1% | +12.7% | +15.1% | |
| Q1 2016 | +10.6% | — | — | |
| Q4 2015 | -9.4% | — | — | |
| Q3 2015 | +10.2% | — | — | |
| Q2 2015 | -6.3% | — | — | |
| Q1 2015 | -9.5% | — | — | |
| Q4 2014 | +11.5% | — | — | |
| Q3 2014 | -2.3% | — | — | |
| Q2 2014 | +1.6% | — | — | |
| Q1 2014 | +1.4% | — | — | |
| Q4 2013 | +3.0% | — | — | |
| Q3 2013 | -4.5% | — | — | |
| Q2 2013 | -0.5% | — | — | |
| Q1 2013 | +4.2% | — | — | |
| Q4 2010 | -0.9% | — | — | |
| Q4 2012 | -0.3% | — | — | |
| Q3 2012 | +11.0% | — | — | |
| Q4 2011 | +1.2% | — | — | |
| Q2 2012 | -1.2% | — | — | |
| Q1 2011 | -0.3% | — | — | |
| Q1 2012 | +1.7% | — | — | |
| Q4 2009 | +1.7% | — | — | |
| Q3 2010 | +4.3% | — | — | |
| Q3 2011 | +4.3% | — | — | |
| Q2 2010 | -6.3% | — | — | |
| Q2 2011 | -6.3% | — | — | |
| Q1 2010 | +8.3% | — | — |
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