Skip to content
stoqly
en

Popular

All languages

Figures come from SEC filings, which are in English. Company and industry names stay as filed.

$ USD

Popular

All currencies

Data is in US dollars, converted at the ECB reference rate of Oct 23, 2026.

Ofg Bancorp

OFG NYSE State Commercial Banks Financials FY2016–FY2025

Last close · Oct 23, 2026

$51.27

0.2%
Compare
Revenue Total sales reported in the income statement.
$731M
2.8% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
53.3%
0.5 pts
Net income Profit after all expenses, interest and tax.
$205M
3.5%
Return on equity Net income as a share of average shareholders' equity.
15.5%
0.7 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$2.2B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
10.1x
On $5.08 EPS (TTM)

What Ofg Bancorp does

No business description yet.

Legal name
OFG BANCORP
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Feb 25, 2026
Accession · CIK
0001030469-26-000008
0001030469

Revenue and margins

Ofg Bancorp had $731M of revenue in fiscal 2025, up 2.8% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 18.0% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Ofg Bancorp returned $51.9M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count fell 4.6%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net —$6.7B$7.4B$7.6B$8.0B
Deposits $8.6B$8.6B$9.8B$9.6B$10.3B
Loans / deposits —78.0%75.5%79.3%77.9%
Total assets $9.9B$9.8B$11.3B$11.5B$12.5B
Shareholders' equity $1.1B$1.0B$1.2B$1.3B$1.4B
Goodwill $86.1M$84.2M$84.2M$84.2M$84.2M
Intangible assets $36.1M$27.6M$20.7M$14.8M$9.9M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $366M $383M $396M $0.0M $0.0M $0.0M $0.0M $0.0M $712M $731M
Net interest income $299M $304M $316M $323M $408M $407M $482M $561M $588M $608M
Noninterest income $66.8M $78.7M $80.1M $82.5M $124M $133M $132M $128M $123M $123M
Noninterest expense $216M $202M $207M $233M $345M $326M $346M $363M $376M $390M
Provision for credit losses $65.1M $113M $56.1M $96.8M $92.7M $0.2M — — — —
Interest expense $57.2M $41.5M $44.5M $51.0M $64.9M $41.8M $33.5M $88.0M — —
Pretax income $85.2M $68.1M $133M $75.3M $94.8M $215M $244M $265M $254M $234M
Income tax $26.0M $15.4M $48.4M $21.4M $20.5M $68.5M $77.9M $83.4M $55.6M $29.0M
Net income $59.2M $52.6M $84.4M $53.8M $74.3M $146M $166M $182M $198M $205M
Net income to common $45.3M $38.8M $72.4M $47.3M $67.8M $145M $166M $182M $198M $205M
Diluted EPS $1.03 $0.88 $1.52 $0.92 $1.32 $2.81 $3.44 $3.83 $4.23 $4.58
Diluted shares 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.04B
Cash flow
Cash from operations $78.5M $151M $133M $110M $35.0M $100M $164M $296M $253M $218M
Capital expenditure $5.3M $6.5M $11.5M $13.0M $15.3M $23.1M $31.0M $17.9M $21.3M $18.4M
Free cash flow $73.2M $145M $122M $96.7M $19.7M $77.0M $133M $278M $231M $199M
Depreciation and amortization $9.4M $9.0M $8.9M $8.5M $12.7M $14.1M $15.8M $20.4M $20.9M $20.5M
Stock-based compensation $1.3M $1.1M $1.4M $2.1M $2.2M $6.2M $4.2M $5.0M $7.2M $6.2M
Acquisitions — — — — $0.4M $0.0M $0.0M — — —
Share buybacks $0.0M $0.0M — — — — — — — —
Dividends paid $10.1M $10.6M $12.8M $14.4M $14.4M $19.7M $30.1M $41.0M $45.6M $51.9M
Dividends and buybacks $10.1M $10.6M $12.8M $14.4M $14.4M $19.7M $30.1M $41.0M $45.6M $51.9M
Balance sheet
Cash and short-term investments $510M $485M $447M $851M $2.2B $2.0B $550M $748M $591M $1.0B
Loans, net $4.1B $4.0B $4.4B $6.6B $6.5B — $6.7B $7.4B $7.6B $8.0B
Deposits $4.7B $4.8B $4.9B $7.7B $8.4B $8.6B $8.6B $9.8B $9.6B $10.3B
Property and equipment, net $70.4M $67.9M $68.9M $81.1M $83.8M $92.1M $107M $104M $105M $93.6M
Goodwill $86.1M $86.1M $86.1M $86.1M $86.1M $86.1M $84.2M $84.2M $84.2M $84.2M
Intangible assets — — $3.4M $57.0M $45.9M $36.1M $27.6M $20.7M $14.8M $9.9M
Total assets $6.5B $6.2B $6.6B $9.3B $9.8B $9.9B $9.8B $11.3B $11.5B $12.5B
Total liabilities $5.6B $5.2B $5.6B $8.3B $8.7B $8.8B $8.8B $10.2B $10.2B $11.1B
Shareholders' equity $920M $945M $1,000M $1.0B $1.1B $1.1B $1.0B $1.2B $1.3B $1.4B
Margins
Net margin 16.2% 13.8% 21.3% — — — — — 27.8% 28.0%
FCF margin 20.0% 37.9% 30.8% — — — — — 32.5% 27.3%
Net interest share of revenue 81.8% 79.4% 79.8% — — — — — 82.7% 83.2%
Efficiency ratio 59.0% 52.7% 52.3% — — — — — 52.8% 53.3%
Returns
Return on equity 6.4% 5.6% 8.7% 5.3% 7.0% 13.6% 15.7% 16.3% 16.2% 15.5%
Return on assets 0.9% 0.8% 1.3% 0.7% 0.8% 1.5% 1.7% 1.7% 1.7% 1.7%
Return on tangible equity 5.4% 4.5% 8.0% 5.2% 7.1% 15.3% 17.9% 16.7% 17.2% 15.8%
Growth
Revenue growth — 4.5% 3.4% −100.0% — — — — — 2.8%
Net income growth — −11.0% 60.3% −36.2% 38.0% 96.6% 13.7% 9.4% 9.0% 3.5%
EPS growth — −14.6% 72.7% −39.5% 43.5% 112.9% 22.4% 11.3% 10.4% 8.3%
FCF growth — 98.0% −15.9% −20.7% −79.6% 290.9% 73.3% 108.2% −16.8% −13.8%
Share count change — 0.0% 0.5% 0.7% −0.3% −0.4% −5.7% −1.8% −1.4% −4.6%
Financial health
Loans / deposits 88.5% 84.1% 90.1% 86.0% 76.7% — 78.0% 75.5% 79.3% 77.9%
Provision / loans 1.6% 2.8% 1.3% 1.5% 1.4% — — — — —
Capital allocation
Capex / revenue 1.4% 1.7% 2.9% — — — — — 3.0% 2.5%
Stock comp / revenue 0.3% 0.3% 0.4% — — — — — 1.0% 0.9%
Payouts / FCF 13.9% 7.3% 10.5% 14.9% 73.0% 25.6% 22.5% 14.8% 19.7% 26.0%
Quality scores
Accruals ratio −0.3% −1.6% −0.8% −0.7% 0.4% 0.5% 0.0% −1.1% −0.5% −0.1%

Source: SEC EDGAR XBRL filings (CIK 0001030469). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

↑ ↓ to move · ↵ to open