{"schema_version":"secwatch.filing_event.v1","accession":"0001030469-25-000003","form_type":"8-K","ticker":"OFG","cik":"0001030469","company_name":"OFG BANCORP","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.741131+00:00","generated_at":"2026-05-27T18:15:14.525467+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"OFG Bancorp Q4 EPS $1.09, full-year $4.23; core revenue up 3.6% YoY","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001030469-25-000003","json":"https://secwatch.observer/filing/0001030469-25-000003.json","markdown":"https://secwatch.observer/filing/0001030469-25-000003.md","text":"https://secwatch.observer/filing/0001030469-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1030469/000103046925000003/0001030469-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1030469/000103046925000003/ofg-20250122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T18:15:14.525467+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"}