{"filings":[{"id":1758076,"accession_number":"0001030469-26-000034","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2026-07-21T12:45:45+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q2 2026 EPS $1.39, up 20.9% YoY; core revenues $190.3M, up 4.5% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $1.39 vs $1.15 in 2Q25 (+20.9%); core revenues $190.3M vs $182.2M (+4.5%).","Net interest margin 5.45%; return on avg tangible common equity 17.94%; efficiency ratio 54.04%.","Provision for credit losses $13.0M, down from $21.7M in 2Q25; net charge-offs $28.8M (1.40% of avg loans) vs $12.8M (0.64%) in 2Q25.","Non-performing loans $67.3M (0.81% of avg loans) vs $97.4M (1.19%) in 2Q25; CET1 ratio 14.07% vs 13.99% in 2Q25.","Loans held for investment $8.30B, up 0.8% sequentially; new loan production $755M, up 24% sequentially."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":90698,"accession_number":"0001030469-26-000024","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"OFG Bancorp shareholders elect all 9 director nominees, approve compensation, ratify KPMG","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All nine director nominees received over 36 million 'for' votes; no nominee received less than 97% of votes cast.","Advisory vote on executive compensation passed with 36,003,479 for vs. 599,690 against.","Ratification of KPMG as independent auditor for FY 2026 approved with 38,432,272 for (97.1% of votes cast)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":90697,"accession_number":"0001030469-26-000022","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2026-04-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q1 2026 EPS $1.26, core revenues $185.8M, dividend up 17%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $1.26 vs $1.27 Q4 2025 and $1.00 Q1 2025; net interest margin 5.36%.","Core revenues $185.8M, up from $185.4M Q4 2025 and $178.3M Q1 2025.","Loans held for investment $8.24B, up $34M sequentially; new loan production $608.9M (+8.9% YoY).","Repurchased $44.5M of shares, increased dividend 17%; CET1 ratio 13.75%.","Net charge-offs $21.4M (1.05% of avg loans), down from $26.9M (1.32%) in Q4 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":1.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":100440,"accession_number":"0001030469-26-000004","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2026-01-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q4 EPS $1.27 (up 16.5% YoY); full-year EPS $4.58 (up 8.3%)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["4Q25 EPS $1.27 vs $1.09 a year ago; total core revenues $185.4M, up 1.9% YoY.","Full-year 2025 EPS $4.58 vs $4.23; core revenues $729.8M, up 2.8%.","Loans held for investment $8.20B, up 5.25% YoY; deposits $9.92B, up 5.0%.","Share repurchases of $91.6M in 2025; CET1 ratio 13.97%, tangible book value $29.96.","Net interest margin 5.12%; ROATCE 17.20%; NCOs 1.32%, NPL ratio 1.59%."],"consensus_eps_estimate":null,"consensus_eps_actual":4.58,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":116763,"accession_number":"0001030469-25-000047","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2025-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q3 EPS $1.16 (+16% YoY); core revenues $184M (+5.6%)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS diluted $1.16 vs $1.00 in 3Q24; core revenues $184.0M vs $174.1M YoY.","Net interest margin 5.24%; return on avg tangible common equity 16.39%.","Total provision for credit losses $28.3M, up from $21.4M in prior year; net charge-offs $20.2M.","Loans held for investment $8.12B (+4.73% YoY); customer deposits $9.82B (+$286.5M YoY).","Repurchased 477,600 shares for $20.4M in Q3; CET1 ratio 14.13%."],"consensus_eps_estimate":null,"consensus_eps_actual":3.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133217,"accession_number":"0001030469-25-000033","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2025-07-17T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp 2Q25 EPS $1.15 beats $1.08 YoY; core revenue $182.2M, NIM 5.31%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $1.15 vs $1.08 in 2Q24 and $1.00 in 1Q25; total core revenues $182.2M (+1.5% YoY).","Net interest margin 5.31%; return on average assets 1.73%; efficiency ratio 52.04%.","Loans held for investment $8.18B (+7.08% YoY); new loan production $783.7M, up from $589M in 2Q24.","CET1 ratio 13.99%; tangible book value per share $27.67 vs $24.18 a year ago.","Record assets of $12.2B; core deposits $9.9B; net charge-offs 0.64% of average loans."],"consensus_eps_estimate":null,"consensus_eps_actual":2.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":149835,"accession_number":"0001030469-25-000016","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2025-05-07T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"OFG Bancorp elects all 9 director nominees; say-on-pay and KPMG ratified","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All director nominees elected with >37.6M shares 'for' each; broker non-votes ~3.2M.","Advisory vote on executive compensation approved: 35.5M for, 3.0M against, 47K abstain.","Ratification of KPMG as auditor for FY2025 approved: 40.8M for, 825K against, 48K abstain.","No other proposals were presented at the April 30, 2025 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":149834,"accession_number":"0001030469-25-000012","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2025-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q1 2025 EPS $1.00, down from $1.05 YoY; core revenue up 2.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS diluted $1.00 vs $1.05 in Q1 2024; total core revenues $178.3M vs $174.2M YoY.","Loans held for investment $7.85B (+0.8% QoQ); customer deposits $9.76B (+$308M QoQ).","Provision for credit losses $25.7M vs $15.1M YoY; net charge-offs 1.05% of avg loans.","CET1 ratio 14.27%; tangible book value per share $26.66, up 13.2% YoY.","Repurchased $23.4M common shares; increased quarterly common dividend by 20%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.0,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":168860,"accession_number":"0001030469-25-000003","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2025-01-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q4 EPS $1.09, full-year $4.23; core revenue up 3.6% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 diluted EPS $1.09 vs $1.00 in Q3 and $0.98 in Q4 2023; full-year 2024 EPS $4.23 vs $3.83 in 2023.","Q4 total core revenues $181.9M, up from $174.1M in Q3 and $175.6M in Q4 2023; NIM 5.40%.","Provision for credit losses $30.2M included $7.6M specific reserve on four U.S. commercial loans and $5.7M qualitative reserve for auto delinquencies.","Bought back $45.9M of shares in Q4; $29.7M remaining authorization; CET1 ratio 14.26%.","Tangible book value per share $25.43 vs $26.15 in Q3, reflecting buybacks and lower OCI."],"consensus_eps_estimate":null,"consensus_eps_actual":4.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185974,"accession_number":"0001030469-24-000039","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2024-10-22T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"OFG Bancorp CSO Ganesh Kumar to retire Dec 2; receives $1.35M severance + equity adjustments","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Ganesh Kumar, Chief Strategy Officer, U.S. Business, retires effective Dec 2, 2024 after 20 years of service.","Company to pay $1,353,413 lump-sum cash severance under Puerto Rico law within 7 days of effective date.","Equity awards amended: restricted units not forfeited; performance shares settled at estimated attainment level.","All equity awards settled in cash using OFG stock closing price on October 3, 2024.","Both parties agree to mutual release of all claims as part of separation agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185973,"accession_number":"0001030469-24-000037","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2024-10-16T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q3 2024 EPS $1.00, core revenues $174.1M, up 1.1% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $1.00 vs $0.95 in 3Q23; net interest margin 5.43%.","Total core revenues $174.1M (+1.1% YoY); pre-provision net revenues $83.1M.","Provision for credit losses $21.4M vs $15.6M in 2Q24; net charge-offs 0.90% of avg loans.","Loans held for investment $7.75B (+6.7% YoY); customer deposits $9.53B.","CET1 ratio 14.37%; tangible book value per share $26.15 (+$5.14 YoY)."],"consensus_eps_estimate":null,"consensus_eps_actual":3.14,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":202539,"accession_number":"0001030469-24-000033","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2024-09-23T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"OFG Bancorp elects Lynda Grindstaff and Roberto García to board; García to audit, governance committees","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Lynda Grindstaff, former VP of Engineering at McAfee and 20-year Intel veteran, appointed to Risk and Compliance Committee.","Roberto García, former President & CEO of Triple-S Management, appointed to Audit and Corporate Governance Committees.","Both directors elected effective September 20, 2024; compensation per non-executive director program.","No transactions or arrangements between the new directors and the company exceeding $120,000."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":202538,"accession_number":"0001030469-24-000028","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2024-07-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q2 EPS $1.08 beats prior year; core revenues up 5% YoY; buyback progress","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS diluted $1.08 (up 16% YoY); core revenues $179.4M (+5.2% YoY); net interest margin 5.51%.","Loans held for investment grew 1.3% QoQ to $7.64B; new loan production $589M; credit quality stable.","CET1 ratio 14.29%; tangible book value $24.18 per share; bought $24.3M shares under $50M buyback program."],"consensus_eps_estimate":null,"consensus_eps_actual":2.13,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218691,"accession_number":"0001030469-24-000022","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2024-05-14T23:59:59+00:00","items":["5.07","8.01"],"status":"ready","headline":"OFG Bancorp CEO Fernandez becomes Chairperson; all directors elected at annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Jose R. Fernandez appointed Chairperson; Julian S. Inclan retired from board.","Nestor de Jesus named Lead Independent Director.","All seven director nominees elected; Fernandez received 40.9M for, 0.7M withheld.","Say-on-pay approved with 40.9M votes for, 0.7M against.","KPMG LLP ratified as independent auditor for 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218690,"accession_number":"0001030469-24-000015","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2024-04-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q1 EPS $1.05, up 9.4% YoY; core revenues $174.2M, NIM 5.40%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS diluted $1.05 vs $0.96 in 1Q23; total core revenues $174.2M, up 5.9% YoY.","Net interest margin 5.40%, return on avg tangible common equity 17.92%, efficiency ratio 52.49%.","CET1 ratio improved to 14.45%; tangible book value $23.55 per share vs $20.57 in 1Q23.","Loans held for investment $7.54B, up 10.0% YoY; net charge-offs $19.8M (includes $3.5M fully reserved PPP loans).","Nonperforming loan rate 1.10%, lowest in five quarters; early delinquency 2.41%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":238592,"accession_number":"0001030469-24-000004","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2024-01-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp 4Q23 EPS $0.98, FY23 EPS $3.83; record loans and deposits","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS diluted $0.98 in 4Q23 vs $0.95 in 3Q23 and $0.97 in 4Q22; FY23 EPS $3.83 vs $3.44.","Total core revenues $175.6M in 4Q23, up from $172.2M in 3Q23; FY23 $682.7M vs $607.8M.","Record loans $7.53B (+10.2% YoY), customer deposits $9.60B (+12.1% YoY), and tangible common equity >$1B.","Tangible book value per share $23.13, up from $21.01 in 3Q23; CET1 ratio 14.12%.","Net interest margin 5.62%; nonperforming loan rate 1.22% – lowest in five quarters."],"consensus_eps_estimate":null,"consensus_eps_actual":3.83,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":256098,"accession_number":"0001030469-23-000043","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2023-12-22T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"OFG Bancorp CEO Fernández gets new 3-year contract with $981,750 base salary and special LTI","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Agreement effective Jan 1, 2024 through Dec 31, 2026; replaces prior July 2021 pact.","Annual base salary of $981,750, target bonus at 100% of base, and $100,000 expense allowance.","Receives special LTI grant of 40,442 RSUs and 40,442 PSUs based on Dec 20, 2023 closing price.","Severance: lump sum equal to 3x (base salary + average last 2 years cash bonus) if terminated without cause or for good reason.","Board will nominate Fernández as director and appoint as Vice Chairperson during term."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":256097,"accession_number":"0001030469-23-000037","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2023-10-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp reports Q3 2023 EPS $0.95, core revenues $172.2M, up 10% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.95 vs $0.93 in 2Q23 and $0.87 in 3Q22.","Core revenues $172.2M, up 10% YoY; net interest income $141.8M.","Net interest margin 5.80%, ROAA 1.76%, efficiency ratio 52.36%.","Loans held for investment $7.26B, up 2% QoQ and 8.6% YoY.","CET1 ratio 14.03%, tangible book value per share $21.01."],"consensus_eps_estimate":null,"consensus_eps_actual":2.84,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":273502,"accession_number":"0001030469-23-000029","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2023-07-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q2 EPS $0.93, core revenues $170.5M, NIM 5.90%, loan production $691.8M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS diluted $0.93 vs $0.84 in 2Q22; core revenues $170.5M, up 16.5% YoY.","Net interest income $139.6M, up from $115.1M YoY; net interest margin 5.90%.","New loan production $691.8M, up 23% YoY; loans held for investment $7.12B.","Repurchased 565,299 shares in quarter; CET1 ratio 14.01%, tangible book value $21.06.","Provision for credit losses $15.0M, including $9.1M specific reserve for three US commercial loans."],"consensus_eps_estimate":null,"consensus_eps_actual":1.89,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":290465,"accession_number":"0001030469-23-000018","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2023-05-02T23:59:59+00:00","items":["5.02","5.07"],"status":"ready","headline":"OFG Bancorp elects Angel Vázquez to board; annual meeting results","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Angel Vázquez, President of Pan Pepin, elected to OFG board effective April 26, 2023; appointed to Audit and Risk/Compliance committees.","No arrangement or related-party transaction exceeding $120,000 between Vázquez and OFG.","All 7 director nominees elected at April 26 annual meeting; Julian Inclán received 40.3M for votes, 1.3M withheld.","Advisory vote on executive compensation approved (40.9M for, 712K against); shareholders selected one-year frequency for future votes.","Shareholders approved amendment to 2007 Omnibus Performance Incentive Plan and ratified KPMG as auditor for 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":290464,"accession_number":"0001030469-23-000015","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2023-05-01T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"OFG Bancorp restructures executive team, appoints new Chief Strategy Officer, CRO, and Chief Retail Banking Officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Dr. Ganesh Kumar appointed Chief Strategy Officer, U.S. Business; prior COO role eliminated effective May 1, 2023.","César Ortiz named Chief Risk Officer, overseeing enterprise risk management, credit risk, and physical/information security.","Mari Evelyn Rodríguez appointed Chief Retail Banking Officer; was CEO of Marsh McLennan PR branch since 2017.","Changes aim to support geographic diversification and expansion into continental U.S. banking initiatives."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":290463,"accession_number":"0001030469-23-000013","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2023-04-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q1 EPS $0.96; net interest margin 5.89%; CET1 ratio 14.07%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $0.96 vs $0.97 in 4Q22 and $0.76 in 1Q22; core revenues $164.4M.","Net interest margin 5.89%; net interest income $135.9M, up from $105.2M YoY.","CET1 ratio improved to 14.07% from 13.64% in 4Q22; tangible book value $20.57 per share.","Customer deposits stable at $8.57B; borrowed $200M from FHLB, increasing borrowings to $226.8M.","Provision for credit losses $9.4M vs $1.6M in 1Q22; net charge-offs $10.1M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.96,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":311355,"accession_number":"0001030469-23-000007","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2023-01-31T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"OFG Bancorp removes director age limit of 71 from bylaws","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Amended bylaws effective Jan 25, 2023 to eliminate mandatory director retirement at age 71.","Removed limitations on electing, re-electing, or nominating directors aged 71 or older.","Prior board-approved exceptions to the age limit are no longer applicable.","Amendment changes Section 2 of Article II of the Bylaws."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":311354,"accession_number":"0001030469-23-000003","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2023-01-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q4 2022 EPS $0.97, core revenues $168.3M, NIM expands to 5.69%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.97 vs $0.87 in Q3 and $0.66 in Q4 2021; full year EPS $3.44 vs $2.81.","Total core revenues $168.3M, up 7.3% QoQ; net interest margin 5.69% vs 5.23% in Q3.","Loans held for investment $6.84B, up 2.3% QoQ; new loan origination $616.4M, record auto loans $221.4M.","Tangible book value per share $19.56 vs $18.46 in Q3; CET1 ratio 13.64%.","Net interest income $135.3M vs $126.5M in Q3; provision for credit losses $8.8M."],"consensus_eps_estimate":null,"consensus_eps_actual":3.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":329952,"accession_number":"0001030469-22-000038","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2022-10-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q3 2022 EPS $0.87, core revenue up 7.2% QoQ; dividend raised to $0.20","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.87 vs $0.84 in Q2 2022 and $0.81 in Q3 2021.","Core revenues $156.8M (+7.2% QoQ); net interest margin 5.23% vs 4.80% in Q2.","Quarterly dividend increased to $0.20 per share from $0.15 in Q2 2022.","Provision for credit losses $7.1M; net charge-offs $11.3M, including $6.6M on two commercial loans.","CET1 ratio 13.34% (up from 12.80% in Q2); tangible book value per share $18.46."],"consensus_eps_estimate":null,"consensus_eps_actual":2.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":347522,"accession_number":"0001030469-22-000031","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2022-07-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp 2Q22 EPS $0.84, revenue up, net interest margin expands to 4.80%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $0.84 vs $0.76 in 1Q22 and $0.78 in 2Q21; core revenues of $146.3M vs $136.4M and $133.3M.","Net interest income $115.1M (up from $105.2M in 1Q22); NIM expanded to 4.80% from 4.47% on loan growth and FRB rate hikes.","Loans held for investment $6.70B, up $154.7M from 1Q22; customer deposits $9.02B with core deposits growing $51.3M.","Repurchased $30.6M of shares in Q2, completing $64.1M of the $100M buyback program; CET1 ratio 12.80%.","Provision for credit losses $6.7M (vs $1.6M in 1Q22) due to loan growth and two commercial non-accrual loans."],"consensus_eps_estimate":null,"consensus_eps_actual":1.59,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":363995,"accession_number":"0001030469-22-000022","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2022-05-03T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"OFG Bancorp shareholders elect directors, approve executive pay and auditor at annual meeting.","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 8 director nominees elected: Julian Inclán received 40.4M for, 2.0M withheld; others similarly strong.","Advisory vote on executive compensation passed: 41.8M for, 0.6M against, 30k abstentions.","Ratification of KPMG as independent auditor for 2022 approved: 44.7M for, 0.7M against.","Broker non-votes present on director and say-on-pay proposals: 2.9M shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":363994,"accession_number":"0001030469-22-000019","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2022-04-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q1 EPS $0.76 beats prior quarters; NIM expands to 4.47%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $0.76 vs $0.66 in 4Q21 and $0.56 in 1Q21.","Core revenues $136.4M vs $141.0M in 4Q21; Net interest income $105.2M.","Net interest margin expanded to 4.47% from 4.18% in 4Q21.","Loans held for investment grew $145.4M from 4Q21 to $6.55B; deposits up $375.1M to $8.97B.","Credit quality improved: net charge-off rate 0.04%; repurchased $33.5M shares."],"consensus_eps_estimate":null,"consensus_eps_actual":0.76,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":383726,"accession_number":"0001030469-22-000007","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2022-01-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q4 EPS $0.66, FY EPS $2.81; core revenue $141M; TBV $19.08","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["4Q21 diluted EPS $0.66 vs $0.81 in 3Q21 and $0.42 in 4Q20; FY2021 EPS $2.81 vs $1.32 in 2020.","4Q21 core revenues $141.0M, up from $134.7M in 3Q21; net interest income $104.2M.","Strategic sale of $65.5M past due loans required $9.7M additional provision; net charge-offs $32.5M.","Completed $92M preferred stock redemption and $50M common stock buyback; CET1 ratio 13.77%.","Tangible book value per share $19.08, up 12.4% YoY; NPL rate fell to 1.75% from 2.08% in 3Q21."],"consensus_eps_estimate":null,"consensus_eps_actual":2.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":401548,"accession_number":"0001193125-21-318478","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2021-11-03T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"OFG Bancorp elects Rafael Vélez to board, nominates Annette Franqui for 2022 election","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Rafael Vélez elected to Board effective Oct 28, 2021; appointed to Audit Committee.","Vélez is Founder/President of Atabey Capital and Campo Alegre, former co-founder of Barreto & Vélez CPA.","Annette Franqui nominated for election at 2022 annual meeting; term expected to start July 2022.","Franqui is Founding Partner/CIO of Forrestal Capital, former CFO of Panamco, and serves on Arcos Dorados board (NYSE:ARCO).","No transactions >$120,000 between company and new directors or immediate family members."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":401547,"accession_number":"0001030469-21-000030","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2021-10-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp earnings report filed; no financial details available in this summary","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["OFG Bancorp announced results for quarter ended September 30, 2021 on October 20, 2021.","Press release with full financial data is attached but not summarized in the 8-K body.","Specific figures such as EPS, revenue, and net income are not extractable from this filing text."],"consensus_eps_estimate":null,"consensus_eps_actual":2.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":420501,"accession_number":"0001193125-21-231523","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2021-07-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"CEO José Rafael Fernández enters new employment agreement with base salary $935k, three-year term","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["New employment agreement for CEO José Rafael Fernández effective July 1, 2021; term ends June 30, 2024.","Base salary of $935,000; annual expense allowance of $100,000; $3M term life insurance; 25 vacation days.","Severance: if terminated without cause (not change in control), lump sum of 3x (base salary + avg cash bonus over 2 years).","Amended change in control agreement: 3x (base salary + last cash bonus) upon qualifying termination after change in control."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":420500,"accession_number":"0001030469-21-000023","cik":1030469,"company_name":"OFG BANCORP","ticker":"OFG","form_type":"8-K","filed_at":"2021-07-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OFG Bancorp Q2 2021 EPS $0.78, loan origination up 27.7% QoQ, provision benefit $8.3M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.78 vs $0.56 in Q1 and $0.39 a year ago.","Total core revenues $133.3M, up 4.4% from $127.7M in Q1.","New loan origination $673.6M, up 27.7% QoQ led by commercial and auto.","Provision for credit losses a net benefit of $8.3M from reserve releases.","Tangible book value per share $18.13; CET1 ratio 13.95%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1926560138.7654269,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}