Ofg Bancorp
OFG NYSE· State Commercial Banks
Last close · Oct 27, 2026
$50.96
KIRA · Stoqly’s AI analyst, in plain words
- Ofg Bancorp had $731M of revenue in fiscal 2025, up 2.8% on the year before.
- Ofg Bancorp made $205M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 18.0% a year.
- Ofg Bancorp returned $51.9M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count fell 4.6%.
- It earned 15.5% on shareholders’ money. Running costs took 53.3% of revenue (the efficiency ratio; lower is better).
Market cap
$2.2B
P/E
10.0x
Revenue
$731M
Net income
$205M
Return on equity
15.5%
Efficiency ratio
53.3%
Ofg Bancorp in 30 seconds · fiscal 2025
Are sales growing?
+2.8%
Only a little. Sales grew 2.8% last year.
Does it make a profit?
28.0%
Yes. It keeps 28.0% of every sale as profit.
How lean are its costs?
53.3%
Lean. Running costs take 53.3% of revenue.
How much does it earn on its capital?
15.5%
Good. It earns 15.5% a year on shareholders’ money.
How is the share priced?
10.0x
One share costs 10.0 times its yearly profit per share.
What Ofg Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 25, 2026
- Legal name
- OFG BANCORP
- CIK
- 0001030469
Ofg Bancorp · OFG
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $0.0M | $0.0M | $0.0M | $712M | $731M |
| Revenue growth | — | — | — | — | 2.8% |
| Net interest income | $407M | $482M | $561M | $588M | $608M |
| Net income | $146M | $166M | $182M | $198M | $205M |
| Net margin | — | — | — | 27.8% | 28.0% |
| Diluted EPS | $2.81 | $3.44 | $3.83 | $4.23 | $4.58 |
| Cash | |||||
| Cash from operations | $100M | $164M | $296M | $253M | $218M |
| Capital expenditure | $23.1M | $31.0M | $17.9M | $21.3M | $18.4M |
| Free cash flow | $77.0M | $133M | $278M | $231M | $199M |
| FCF margin | — | — | — | 32.5% | 27.3% |
| Dividends paid | $19.7M | $30.1M | $41.0M | $45.6M | $51.9M |
| Share count change | −0.4% | −5.7% | −1.8% | −1.4% | −4.6% |
| Debt and strength | |||||
| Cash and short-term investments | $2.0B | $550M | $748M | $591M | $1.0B |
| Loans, net | — | $6.7B | $7.4B | $7.6B | $8.0B |
| Deposits | $8.6B | $8.6B | $9.8B | $9.6B | $10.3B |
| Shareholders' equity | $1.1B | $1.0B | $1.2B | $1.3B | $1.4B |
| Returns and quality | |||||
| Return on equity | 13.6% | 15.7% | 16.3% | 16.2% | 15.5% |
| Return on tangible equity | 15.3% | 17.9% | 16.7% | 17.2% | 15.8% |
| Efficiency ratio | — | — | — | 52.8% | 53.3% |
Insiders bought, 12 months
$0.1M
1 insider
Insiders sold, 12 months
$6.1M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Ofg Bancorp · OFG
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $50.96 a share, the company is worth $2.2B: 10.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001030469). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.