NYSE$OFG

Ofg Bancorp · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

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

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%.

Headline financials

Total Revenue

$0.00

Previous: $135M-100.0%
EPS (adj)

$0.87

Previous: $0.81+7.4%
Net Interest Margin

5.2%

Previous: 4.1%+26.9%
Return on Avg Assets

1.6%

Previous: 1.6%+3.8%
Efficiency Ratio

55.8%

Previous: 58.6%-4.8%
CET1 Ratio

13.3%

Previous: 13.5%-1.3%
Capital Expenditures

-$24.8M

Previous: -$14.2M-75.5%
Free Cash Flow

$17.1M

Previous: $27.5M-37.9%
Net Income

$41.9M

Previous: $41.7M+0.6%
Operating Income

-$62.9M

Previous: $81.1M-177.6%
Gross Profit

-$15.4M

Previous: $130M-111.8%
Cash & Equivalents

$815M

Previous: $2.76B-70.4%
Total Assets

$10.1B

Previous: $10.6B-5.2%
Stock-Based Comp

$911K

Previous: $1.38M-33.9%

Revenue & EPS history

OFG Bancorp · Revenue · Quarterly

$0

Q3 2022-100%vs Q3 2021
Beat estimate in 3 of 15 quarters(20%)
ActualEstimate

Forward guidance

No specific forward guidance was provided in the report.

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 Q3 2022

Historical avgQ3 2022

+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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