NYSE$OFG

Ofg Bancorp · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Reported a strong second quarter with significant year-over-year revenue and earnings growth.

OFG Bancorp reported a strong Q2 2023, marked by a 16.5% year-over-year increase in total core revenues and a 10.7% increase in earnings per share. The quarter benefited from strong loan production, stable core deposits, and increased operating leverage.

  • Total core revenues increased by 16.5% year-over-year.
  • Earnings per share increased by 10.7% year-over-year.
  • Strong loan production and stable core deposits were observed.
  • A new self-service portal was launched, leading to increased digital transaction activity and freeing up team members for value-added service.

Headline financials

Total Revenue

$0.00

Previous: $0.00
EPS (adj)

$0.93

Previous: $0.84+10.7%
Net Interest Margin

5.9%

Previous: 4.8%+22.9%
Return on Avg Assets

1.8%

No prior period
ROE (Tangible Common)

17.7%

No prior period
Efficiency Ratio

52.1%

Previous: 58.3%-10.5%
Loans Held for Investment

$7.12B

Previous: $6.7B+6.2%
Customer Deposits

$8.54B

Previous: $9.02B-5.3%
Tangible Book Value/Share

$21.06

Previous: $18.86+11.7%
CET1 Ratio

14.0%

Previous: 12.8%+9.5%
Capital Expenditures

-$7.66M

Previous: -$17.4M+55.9%
Free Cash Flow

$36.5M

Previous: $23.1M+58.4%
Net Income

$44.2M

Previous: $40.4M+9.3%
Operating Income

-$77.1M

Previous: -$52.9M-45.6%
Gross Profit

-$15M

Previous: -$8.24M-82.6%
Cash & Equivalents

$799M

Previous: $1.31B-38.9%
Total Assets

$10B

Previous: $10.2B-2.1%
Stock-Based Comp

$1.4M

Previous: $1.03M+36.1%

Revenue & EPS history

OFG Bancorp · Revenue · Quarterly

$0

Q2 2023
Beat estimate in 3 of 15 quarters(20%)
ActualEstimate

Forward guidance

The information included 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.

Headwinds

  • general business and economic conditions, including changes in interest rates
  • cybersecurity breaches
  • hurricanes, earthquakes, pandemics, and other natural disasters
  • competition in the financial services industry

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 Q2 2023

Historical avgQ2 2023

+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

Earnings price reactions
QuarterReport dateReaction (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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