OFG Bancorp (OFG) Q4 2025 Earnings Call Transcript

Motley Fool Transcribing, The Motley Fool

Thu, January 22, 2026 astatine 10:17 AM CST 35 min read

Image source: The Motley Fool.

Jan. 22, 2026 10 a.m. ET

• Chief Executive Officer — José Rafael Fernández

• Chief Financial Officer — Maritza Arizmendi

• Chief Risk Officer — Cesar A. Ortiz-Marcano

Need a punctuation from a Motley Fool analyst? Email [email protected]

José Rafael Fernández: Good morning, and convey you for joining us. We are pleased to study our 4th fourth and 2025 results. Let's spell to Page 3 of the presumption to reappraisal the 4th quarter. Earnings per stock diluted were up 17% twelvemonth implicit twelvemonth connected 2% maturation successful full halfway revenues. This was driven by disciplined halfway operations and a favorable taxation benefit. Asset prime and recognition metrics were dependable and good controlled passim the quarter. During the 4th and year, successful enactment with our strategies, we saw accrued commercialized loans, and wide acceptance of our flagship wide marketplace Libre relationship and wide affluent Elite deposit account. Performance and recognition metrics remained strong.

Capital continued to grow, and we repurchased $40 cardinal of communal shares successful the 4th quarter. Maritza volition spell into much item connected these numbers shortly. Please crook to leafage four. We accomplished galore of our strategical and fiscal goals past year. Earnings per stock accrued 8.3% connected a 2.8% summation successful full halfway revenues. Total assets grew 8.4% to a grounds $12.5 billion. Core deposits grew 5% to $9.9 billion. Loans grew 5.3% to $8.2 cardinal with commercialized loans increasing to $3.5 cardinal present representing 43% of our indebtedness book. In addition, caller indebtedness accumulation accrued 11.5% to $2.6 billion. We repurchased adjacent to $92 cardinal of shares and accrued our dividend 20%.

Business enactment is robust successful Puerto Rico, the outlook. Economic maturation is positive, and businesses and the user are resilient. Having said each that, 1 of our biggest strategical and fiscal accomplishments of 2025 was the advancement we made with our digital-first strategy. Please crook to leafage five. Over the past 2 years, we person intelligibly emerged arsenic a person successful banking innovation successful Puerto Rico. Our integer absorption gives america a differentiated attack and provides customers with a unsocial enhanced experience. In 2024, we introduced the Libre Account for the wide marketplace and the Elite relationship for the wide affluent market. Both Libre and Elite person been palmy successful attracting deposits from caller and existing customers.

In addition, we enhanced our Oriental Biz relationship suite making treasury absorption easier and much unafraid for tiny businesses, driving a 5% summation successful commercialized customers during 2025. We person further enhanced the lawsuit acquisition done technology. In 2025, we launched our omnichannel platform. This provides customers with a seamless banking acquisition anyplace they take to interact, transforming the subdivision into a spot for gathering lawsuit relationships. With our intelligent banking model, customers present person tailored insights based connected currency flows and outgo habits. Helping them entree and show their finances with real-time value-added tools to amended their fiscal beingness from their mobile phones. Please crook to leafage six.