OFG Bancorp (OFP)
XBER 
Summary
OFG Bancorp (OFG) Q3 2025 Earnings Call Transcript
OFG Bancorp (NYSE:OFG ) Q3 2025 Earnings Call October 22, 2025 10:00 AM EDT Company Participants José Fernández - President, CEO & Chairman Maritza Arizmendi - Chief Financial Officer Cesar Ortiz-Marcano - Chief Risk Officer Conference Call Participants Arren Cyganovich - Truist Securities, Inc., Research Division Timur Braziler - Wells Fargo Securities, LLC, Research Division Kelly Motta - Keefe, Bruyette, & Woods, Inc., Research Division Anya Pelshaw Presentation Operator Good morning. Thank you for joining OFG Bancorp's conference call.
Why OFG Bancorp (OFG) is a Great Dividend Stock Right Now
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does OFG (OFG) have what it takes?
OFG Bancorp: Loan Growth To Help Earnings Inch Up
Due to Puerto Rico's persistently strong job market, I'm expecting loan growth to remain above last year's level. Risks to loan growth are worsening economic activity and sharply rising home prices. The combination of sticky deposit costs and relatively rate-sensitive loan yields will likely lead to margin pressure in a declining interest rate environment.
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OFG Bancorp Profile
| Banks Industry | Financials Sector | José Rafael Fernández CEO | XBER Exchange | PR67103X1020 ISIN |
| US Country | 2,223 Employees | 31 Dec 2025 Last Dividend | 29 Dec 2004 Last Split | 28 Mar 1990 IPO Date |
Overview
OFG Bancorp, established in 1964, operates as a comprehensive financial holding company based out of San Juan, Puerto Rico. It serves its clients through a detailed array of banking and financial services structured across three primary segments: Banking, Wealth Management, and Treasury. The institution integrates traditional banking services with wealth management and sophisticated treasury functions, catering to a diverse clientele that encompasses both individual and institutional customers. By offering a wide range of financial products and tailored solutions, OFG Bancorp commits to fulfilling the varied needs of its clients, supporting their financial objectives and promoting economic growth within its operational territories.
Products and Services
- Banking Services:
- Lending Services:
- Wealth Management and Advisory Services:
- Investment Banking and Asset Management:
- Treasury Operations:
- Additional Financial Services:
Includes checking and savings accounts, individual retirement accounts (IRAs), and certificates of deposits along with an assortment of time deposit products. OFG Bancorp caters to the basic banking needs of its customers by providing secure venues for deposits and savings.
The company offers a comprehensive suite of lending services, encompassing commercial lending, consumer loans, auto leasing, and mortgage services, alongside credit card issuance. These services are aimed at facilitating various financing needs of individuals and businesses, promoting growth and financial stability.
OFG Bancorp provides an extensive range of wealth management and financial advisory services, including financial planning, insurance services, corporate and individual trust services, and retirement services. The segment also caters to investment needs through brokerage services, offering investment alternatives like mutual funds, stocks, bonds, and tax-advantaged securities.
The company extends its expertise into investment banking, offering services such as securities brokerage, investment advisory, and asset allocation programs. It also engages in the administration and service of retirement plans, providing clients with sophisticated strategies for asset growth and management.
Involves an array of treasury-related functions, including asset/liability management, interest rate risk management, and investment portfolio management. OFG Bancorp invests in mortgage-backed securities, obligations of U.S. government-sponsored agencies, U.S. Treasury securities, and money market instruments, optimizing its treasury operations for financial stability.
Furthermore, the company operates in the insurance agency and reinsurance business, offers international trade financing, residential mortgage services, consumer finance, and money management services. These ancillary services complement its core offerings, ensuring clients have access to a full spectrum of financial solutions.
Contact Information
