8-K ·Filed Apr 21, 2026
8-K Item 2.02: Earnings release
Actionable Insight ▲ Bullish
Monitor loan growth and net interest margin sustainability in the next quarter, as the strong beat was driven by margin expansion and lower credit costs.
Final — all horizons settled through T+60d ⚠ clustered
OFG ▲ +14.45% at T+60d
LONG call ✓ call won +14.45% · α vs SPY +7.55% · entry $44.71 → $51.17
T+1d
+2.39%
call +2.39% · α +1.37%
$45.78
settled 6mo ago
T+5d
+2.57%
call +2.57% · α +1.49%
$45.86
settled 6mo ago
T+20d
-0.09%
call -0.09% · α -5.00%
$44.67
settled 5mo ago
T+60d
+14.45%
call +14.45% · α +7.55%
$51.17
settled 3mo ago
Price Chart
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Executive Summary
OFG Bancorp reported Q1 2026 EPS of $1.26, beating consensus by 26.6%, driven by strong net interest margin expansion to 5.36% and improved credit quality. The bank repurchased $44.5 million of shares and raised its dividend by 17%.
Key Financial Metrics
EPS
$1.26
est $0.99 · +27.3%
Revenue
$185.8M
est $176.5M · +5.3% · +4.2% YoY
Rating
strong beat
Key Facts
- Q1 2026 EPS of $1.26 vs. consensus of $0.99, a 26.6% beat
- Net interest margin improved to 5.36% from 5.12% in Q4 2025
- Pre-provision net revenues surged 15.1% to $91.3 million
- Repurchased $44.5 million of common shares and raised dividend by 17%
- Net charge-offs declined to 1.05% of average loans from 1.32% in Q4 2025
Financial Impact
$1.26 EPS beat, $9.5 million increase in pre-provision net revenues
epsrevenuemarginscredit_qualitycapital_returns
Risk Factors
- Sustaining the elevated net interest margin may be challenging in a changing rate environment
- The decline in customer deposits could pressure funding costs
Market Snapshot
Exchange
NYSE
Sector
State Commercial Banks
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001030469-26-000022 |
| Document: ofg-20260421.htm | 0001030469-26-000022 |
| Document: 0001030469-26-000022-index-headers.html | 0001030469-26-000022 |
| Document: 0001030469-26-000022-index.html | 0001030469-26-000022 |
| Document: 0001030469-26-000022.txt | 0001030469-26-000022 |
| 8-K Data (Synthetic) | 0001030469-26-000022 |
4 reports for OFG
Track record builds as more directional reports settle.
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 6d ago | 8-K | $50.50 | awaiting T+60 | — | $51.51 (+2.00%) |
Jul 21, 2026 14w ago | 8-K | $52.90 $50.86 | ▼ −3.86% | ▼ −7.83% | $51.51 (−2.63%) |
Apr 21, 2026 27w ago | 8-K | $44.71 $51.17 | ▲ +14.45% | ▲ +7.55% | $51.51 (+15.21%) |
Mar 11, 2026 32w ago | S-1 | $38.70 $44.73 | ▲ +15.59% | ▲ +4.07% | $51.51 (+33.11%) |
Showing 4 of 4
US Market Status
Market Closed — Opens in 23m
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