---
schema_version: "secwatch.filing_event.v1"
accession: "0001030469-26-000004"
form_type: "8-K"
ticker: "OFG"
cik: "0001030469"
company_name: "OFG BANCORP"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T08:39:59.948857+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# OFG Bancorp Q4 EPS $1.27 (up 16.5% YoY); full-year EPS $4.58 (up 8.3%)

## Summary
- 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%.

## SEC filing metadata
- accession: 0001030469-26-000004
- form_type: 8-K
- ticker: OFG
- cik: 0001030469
- company_name: OFG BANCORP
- filed_at: 2026-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1030469/000103046926000004/0001030469-26-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1030469/000103046926000004/ofg-20260122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001030469-26-000004
- JSON: https://secwatch.observer/filing/0001030469-26-000004.json
- Plain text: https://secwatch.observer/filing/0001030469-26-000004.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.