{"schema_version":"secwatch.filing_event.v1","accession":"0001030469-22-000007","form_type":"8-K","ticker":"OFG","cik":"0001030469","company_name":"OFG BANCORP","filed_at":"2022-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:04:05.122356+00:00","generated_at":"2026-06-27T17:03:52.225112+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"OFG Bancorp Q4 EPS $0.66, FY EPS $2.81; core revenue $141M; TBV $19.08","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001030469-22-000007","json":"https://secwatch.observer/filing/0001030469-22-000007.json","markdown":"https://secwatch.observer/filing/0001030469-22-000007.md","text":"https://secwatch.observer/filing/0001030469-22-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1030469/000103046922000007/0001030469-22-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1030469/000103046922000007/ofg-20220119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T17:03:52.225112+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}