NYSE$OFG

Ofg Bancorp · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

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

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.

Headline financials

Total Revenue

$0.00

Previous: $0.00
EPS (adj)

$0.95

Previous: $0.87+9.2%
Net Interest Margin

5.8%

Previous: 5.2%+10.9%
Return on Avg Assets

1.8%

Previous: 1.6%+6.7%
ROE (Tangible Common)

17.6%

No prior period
Efficiency Ratio

52.4%

Previous: 55.8%-6.2%
Tangible Common Equity Ratio

9.7%

No prior period
Tangible Book Value/Share

$21.01

No prior period
Capital Expenditures

-$11.6M

Previous: -$24.8M+53.2%
Free Cash Flow

$33.3M

Previous: $17.1M+94.6%
Net Income

$44.9M

Previous: $41.9M+7.0%
Operating Income

-$89.3M

Previous: -$62.9M-42.0%
Gross Profit

-$16.4M

Previous: -$15.4M-7.0%
Cash & Equivalents

$533M

Previous: $815M-34.7%
Total Assets

$10.3B

Previous: $10.1B+2.0%
Stock-Based Comp

$1.36M

Previous: $911K+48.7%

Revenue & EPS history

OFG Bancorp · Revenue · Quarterly

$0

Q3 2023
Beat estimate in 3 of 15 quarters(20%)
ActualEstimate

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.

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 2023

Historical avgQ3 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%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro