O OFG

OFG Bancorp

$41.35

+0.63% (+$0.26)

Volume 239,606

52W High $46.11

52W Low $33.15

Market Cap $1.63B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$1.10

Whisper EPS

$1.14

3.4% above consensus

Last Quarter

$1.27

Current Streak

1 Beat

Avg Surprise (4Q)

+5.22%

Next Earnings Report

Reports in 9 days

Report Date Apr 16, 2026

Whisper Spread +3.42%

Consensus Estimate

$1.10

Official analyst average

Whisper Number

$1.14

What traders expect

Bullish Sentiment: The whisper number is 3.4% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 22, 2026

1-Day: -4.69%

5-Day: -2.77%

Q3 2025 Oct 22, 2025

1-Day: -1.09%

5-Day: -1.36%

Q2 2025 Jul 16, 2025

1-Day: +3.29%

5-Day: +1.02%

Q1 2025 Apr 22, 2025

1-Day: +1.21%

Revenue & Financial Performance

Revenue Whisper

$228.0M

TWN Proprietary Estimate

Last Quarter Revenue

$228.8M

+8.9% YoY

Gross Margin

80.6%

Net Margin: 24.4%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$228.8M	+8.9%	80.6%	34.7%	$55.9M
Q3'25	$216.7M	+5.8%	66.0%	28.3%	$51.8M
Q2'25	$210.3M	+1.8%	69.5%	31.3%	$51.8M
Q1'25	$206.8M	+2.8%	68.2%	28.7%	$45.6M
Q4'24	$210.1M	+3.5%	66.1%	25.1%	$50.3M
Q3'24	$204.9M	+11.3%	69.5%	30.2%	$47.0M
Q2'24	$206.6M	+17.4%	72.9%	34.5%	$51.1M
Q1'24	$201.3M	+21.8%	73.0%	33.7%	$49.7M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 22, 2026	$1.15	$1.21	$1.27	+10.43%	Beat
Q3 2025	Oct 22, 2025	$1.16	$1.20	$1.16	+0.00%	Missed
Q2 2025	Jul 16, 2025	$1.05	$1.09	$1.15	+9.52%	Beat
Q1 2025	Apr 22, 2025	$0.97	$1.02	$1.00	+3.09%	Missed
Q4 2024	Jan 22, 2025	$0.97	$1.01	$1.09	+12.37%	Beat
Q3 2024	Oct 16, 2024	$1.02	$1.06	$1.00	-1.96%	Missed
Q2 2024	Jul 18, 2024	$0.96	$1.00	$1.08	+12.50%	Beat
Q1 2024	Apr 18, 2024	$0.95	$0.98	$1.05	+10.53%	Beat
Q4 2023	Jan 24, 2024	$0.93	$0.97	$0.94	+1.08%	Missed
Q3 2023	Oct 20, 2023	$0.94	$0.98	$0.95	+1.06%	Missed
Q2 2023	Jul 20, 2023	$0.88	$0.92	$0.93	+5.68%	Met
Q1 2023	Apr 20, 2023	$0.86	$0.91	$0.96	+11.63%	Beat