NYSE$OFG
Ofg Bancorp · Q4 2024 earnings
Q4 2024 earnings · · Before market open · Investor relations
Briefing
Reported solid performance with strong financial results.
OFG Bancorp reported a strong fourth quarter and fiscal year, with EPS diluted increasing 11.2% year-over-year in 4Q24 and 10.4% year-over-year for the full year. Total core revenues also saw increases, driven by the company's Digital First strategy and lower taxes. The company bought back 1.8 million shares in 2024.
- EPS diluted of $1.09 compared to $0.98 in 4Q23.
- Total core revenues of $181.9 million compared to $175.6 million in 4Q23.
- Net interest margin of 5.40%.
- Return on average assets of 1.75%.
Headline financials
Revenue & EPS history
OFG Bancorp · Revenue · Quarterly
$149M
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.
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 19 quarterly earnings reports · overlaid with Q4 2024
+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 |
|---|---|---|---|---|
| Q2 2026 | — | — | — | |
| 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 2011 | +4.3% | — | — | |
| Q3 2010 | +4.3% | — | — | |
| Q2 2010 | -6.3% | — | — | |
| Q2 2011 | -6.3% | — | — | |
| Q1 2010 | +8.3% | — | — |
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