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Financials · OFG

OFG Bancorp (OFG) financials

For the twelve months ended Sep 30, 2026, OFG Bancorp reported $746.84M of revenue and $225.22M of net income.

Revenue, TTM
$746.84M
Revenue growth, YoY
+2.3%
Net income, TTM
$225.22M
Net income growth, YoY
+12.9%
Net margin
30.2%
Free cash flow, TTM
$250.39M
EPS, diluted, TTM
$5.25
EPS growth, YoY
+19.0%
Cash
$566.77M
P/E
9.54
P/S
2.88
Market cap
$2.15B
Annual revenue$731.44M
FY2016FY2025
Annual net income$205.10M
FY2016FY2025
Annual free cash flow$199.34M
FY2016FY2025

OFG revenue and earnings growth

OFG revenueQ3 2026$186.21M

Quarter YoY
+0.0%
QoQ
-2.2%
FY YoY
+2.8%
5Y CAGR
+6.5%
10Y CAGR
+6.5%

OFG revenue was $186.21M in fiscal Q3 2026 (ended Sep 30, 2026), up 0.0% from a year earlier and down 2.2% from the prior quarter. For the full fiscal 2025 it was $731.44M, up 2.8% from fiscal 2024. Compound annual growth was +6.5% over 5 years and +6.5% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

OFG net incomeQ3 2026$56.61M

Quarter YoY
+9.2%
QoQ
-3.7%
FY YoY
+3.5%
5Y CAGR
+22.5%

OFG net income was $56.61M in fiscal Q3 2026 (ended Sep 30, 2026), up 9.2% from a year earlier and down 3.7% from the prior quarter. For the full fiscal 2025 it was $205.10M, up 3.5% from fiscal 2024. Compound annual growth was +22.5% over 5 years. It rose in 7 of the last 9 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

OFG EPSQ3 2026$1.33

Quarter YoY
+14.7%
QoQ
-4.3%
FY YoY
+8.3%
5Y CAGR
+28.3%

OFG diluted EPS was $1.33 in fiscal Q3 2026 (ended Sep 30, 2026), up 14.7% from a year earlier and down 4.3% from the prior quarter. For the full fiscal 2025 it was $4.58, up 8.3% from fiscal 2024. Compound annual growth was +28.3% over 5 years.

OFG free cash flowQ3 2026$83.25M

Quarter YoY
+134.4%
QoQ
+84.7%
FY YoY
-13.8%
5Y CAGR
+58.9%
10Y CAGR
+8.1%

OFG free cash flow was $83.25M in fiscal Q3 2026 (ended Sep 30, 2026), up 134.4% from a year earlier and up 84.7% from the prior quarter. For the full fiscal 2025 it was $199.34M, down 13.8% from fiscal 2024. Compound annual growth was +58.9% over 5 years and +8.1% over 10 years. It rose in 4 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$731.44M$711.69M$689.25M$613.77M$540.58M$532.78M$405.29M$395.99M$382.86M$366.25M
Interest expense--$88.01M$33.49M$41.83M$64.92M$51.00M$44.52M$41.48M$57.16M
Pre-tax income$234.12M$253.75M$265.25M$244.10M$214.60M$94.83M$75.25M$132.80M$68.09M$85.18M
Income tax$29.01M$55.58M$83.38M$77.87M$68.45M$20.50M$21.41M$48.39M$15.44M$25.99M
Net income$205.10M$198.17M$181.87M$166.24M$146.15M$74.33M$53.84M$84.41M$52.65M$59.19M
EPS, basic$4.60$4.25$3.85$3.46$2.85$1.32$0.92$1.59$0.88$1.03
EPS, diluted$4.58$4.23$3.83$3.44$2.81$1.32$0.92$1.52$0.88$1.03
Diluted shares44.8M46.9M47.6M48.4M51.4M51.6M51.7M51.3M51.1M51.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$1.04B$591.14M$748.17M$550.46M$2.02B$2.16B$852.76M$450.06M$488.23M$513.47M
Goodwill$84.24M$84.24M$84.24M$84.24M$86.07M$86.07M$86.07M$86.07M$86.07M$86.07M
Total assets$12.47B$11.50B$11.34B$9.82B$9.90B$9.83B$9.30B$6.58B$6.19B$6.50B
Total liabilities$11.08B$10.25B$10.15B$8.78B$8.83B$8.74B$8.25B$5.58B$5.24B$5.58B
Shareholders' equity$1.39B$1.25B$1.19B$1.04B$1.07B$1.09B$1.05B$999.88M$945.11M$920.41M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$217.72M$252.50M$295.66M$164.46M$100.04M$34.96M$109.62M$133.35M$151.44M$78.51M
Capital expenditures$18.38M$21.34M$17.86M$31.00M$23.05M$15.26M$12.97M$11.49M$6.47M$5.30M
Free cash flow$199.34M$231.16M$277.80M$133.46M$76.99M$19.70M$96.65M$121.86M$144.97M$73.22M
Investing cash flow-$438.38M-$335.98M-$1.40B-$1.51B-$182.93M$757.50M$842.17M-$488.77M$187.30M$568.06M
Financing cash flow$669.86M-$73.56M$1.31B-$124.70M-$49.04M$510.36M-$549.10M$317.24M-$363.98M-$672.84M
Dividends paid$51.87M$45.65M$41.01M$30.09M$19.72M$14.38M$14.38M$12.80M$10.55M$10.14M
Share repurchases--------$0$0
Stock-based compensation$6.24M$7.17M$5.00M$4.18M$6.25M$2.17M$2.13M$1.40M$1.11M$1.27M
Depreciation and amortization$20.46M$20.87M$20.39M-------

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY2.8%3.3%12.3%13.5%1.5%31.5%2.3%3.4%4.5%-6.1%
Net income growth, YoY3.5%9.0%9.4%13.7%96.6%38.0%-36.2%60.3%-11.0%-
EPS growth, YoY8.3%10.4%11.3%22.4%112.9%43.5%-39.5%72.7%-14.6%-
Net margin28.0%27.8%26.4%27.1%27.0%14.0%13.3%21.3%13.8%16.2%
Free cash flow margin27.3%32.5%40.3%21.7%14.2%3.7%23.8%30.8%37.9%20.0%
Return on equity14.8%15.8%15.2%15.9%13.7%6.8%5.1%8.4%5.6%6.4%
Return on assets1.6%1.7%1.6%1.7%1.5%0.8%0.6%1.3%0.9%0.9%

Source: XBRL data OFG Bancorp files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

OFG peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
OFG$746.84M+2.3%$225.22M30.2%$2.15B
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

OFG FAQ

8 questions
  • What is OFG revenue?
    OFG Bancorp (OFG) reported $746.84M of revenue for the twelve months ended Sep 30, 2026. That is up 2.3% from the year before. Revenue for fiscal 2025 was $731.44M.
  • Is OFG profitable?
    Yes. OFG Bancorp earned $225.22M in net income for the twelve months ended Sep 30, 2026, a net margin of 30.2%.
  • How much cash and debt does OFG have?
    OFG Bancorp reported $566.77M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is OFG revenue growing?
    OFG Bancorp's revenue changed +2.8% in fiscal 2025, to $731.44M. Its compound annual growth rate was +6.5% over 5 years and +6.5% over 10 years.
  • What is OFG free cash flow?
    OFG Bancorp generated $250.39M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $274.04M less capital expenditures.
  • What is OFG earnings per share?
    Diluted earnings per share were $5.25 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did OFG last report financial results?
    The latest statements here come from OFG Bancorp's 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this OFG financial data come from?
    Quantisnow builds these statements from the structured XBRL data OFG Bancorp files with the SEC. It is provided for information only and is not investment advice.