1.Sales and profit
See section β- 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
OFG NYSE State Commercial Banks Financials FY2016βFY2025
Ofg Bancorp had $731M of revenue in fiscal 2025, up 2.8% on the year before.
Download report
3-page PDF: the company, its results and charts with peers.
Last close Β· Oct 23, 2026
$51.27
0.2%KIRAβs summary AI analyst
Hi! I read Ofg Bancorpβs latest annual report (fiscal 2025). Here is what stands out:
3 strengths
2.Cash and shareholders
See section β- Ofg Bancorp returned $51.9M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count fell 4.6%.
- No open-market insider trades in the last 12 months.
3.Financial health
See section β- It earned 15.5% on shareholdersβ money. Running costs took 53.3% of revenue (the efficiency ratio; lower is better).
Ofg Bancorp in 30 seconds
Good So-so Weak
So-so
Are sales growing?
+2.8%
Only a little. Sales grew 2.8% last year.
Good
Does it make a profit?
28.0%
Yes. It keeps 28.0% of every sale as profit.
Good
How lean are its costs?
53.3%
Lean. Running costs take 53.3% of revenue.
Good
How much does it earn on its capital?
15.5%
Good. It earns 15.5% a year on shareholdersβ money.
For information
How is the share priced?
10.1x
One share costs 10.1 times its yearly profit per share.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
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)
Charts by
Sales and profit
Is it selling more, and how much does it keep?
Results dates
In plain words: Every quarter, companies publish how much they sold and earned. These are the days Ofg Bancorp did it, and the next one. Share prices often move a lot on those days.
Next results
January 21, 2027
Thursday Β· in 87 days
- Time
- Before the market opens
- Covers
- Period ended Dec 31, 2026
- Source
- Stoqly estimate
Estimated from the same quarter last year. It will be replaced by the announced date once there is one.
See who else reports that week β| Date | Results for | Time | Source |
|---|---|---|---|
| Oct 21, 2026 | Period ended Sep 30, 2026 | Before the market opens | 8-K β |
| Jul 21, 2026 | Q2 '26 | Before the market opens | 8-K β |
| Apr 21, 2026 | Q1 '26 | Before the market opens | 8-K β |
| Jan 22, 2026 | Q4 '25 | Before the market opens | 8-K β |
| Oct 22, 2025 | Q3 '25 | Before the market opens | 8-K β |
| Jul 17, 2025 | Q2 '25 | Before the market opens | 8-K β |
| Apr 23, 2025 | Q1 '25 | Before the market opens | 8-K β |
| Jan 22, 2025 | Q4 '24 | Before the market opens | 8-K β |
From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.
Revenue and margins
KIRA Β· Ofg Bancorp had $731M of revenue in fiscal 2025, up 2.8% on the year before.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
FY16
Revenue $366M
FY17
Revenue $383M
FY18
Revenue $396M
FY19
Revenue $0.0M
FY20
Revenue $0.0M
FY21
Revenue $0.0M
FY22
Revenue $0.0M
FY23
Revenue $0.0M
FY24
Revenue $712M
FY25
Revenue $731M
Revenue
Q3 '23
Revenue $0.0M
Q4 '23
Revenue $0.0M
Q1 '24
Revenue $0.0M
Q2 '24
Revenue $0.0M
Q3 '24
Revenue $0.0M
Q4 '24
Revenue $183M
Q1 '25
Revenue $179M
Q2 '25
Revenue $182M
Q3 '25
Revenue $186M
Q4 '25
Revenue $184M
Q1 '26
Revenue $186M
Q2 '26
Revenue $190M
Net interest income share and efficiency ratio
FY16
Net interest share 81.8%
Efficiency ratio 59.0%
FY17
Net interest share 79.4%
Efficiency ratio 52.7%
FY18
Net interest share 79.8%
Efficiency ratio 52.3%
FY19
Net interest share β
Efficiency ratio β
FY20
Net interest share β
Efficiency ratio β
FY21
Net interest share β
Efficiency ratio β
FY22
Net interest share β
Efficiency ratio β
FY23
Net interest share β
Efficiency ratio β
FY24
Net interest share 82.7%
Efficiency ratio 52.8%
FY25
Net interest share 83.2%
Efficiency ratio 53.3%
Net interest share
Efficiency ratio
Net interest income share and efficiency ratio
Q3 '23
Net interest share β
Efficiency ratio β
Q4 '23
Net interest share β
Efficiency ratio β
Q1 '24
Net interest share β
Efficiency ratio β
Q2 '24
Net interest share β
Efficiency ratio β
Q3 '24
Net interest share β
Efficiency ratio β
Q4 '24
Net interest share 81.6%
Efficiency ratio 54.6%
Q1 '25
Net interest share 83.5%
Efficiency ratio 52.3%
Q2 '25
Net interest share 83.3%
Efficiency ratio 52.0%
Q3 '25
Net interest share 83.1%
Efficiency ratio 51.9%
Q4 '25
Net interest share 82.9%
Efficiency ratio 57.0%
Q1 '26
Net interest share 82.7%
Efficiency ratio 50.9%
Q2 '26
Net interest share 82.6%
Efficiency ratio 54.0%
Net interest share
Efficiency ratio
Net income and earnings per share
KIRA Β· Ofg Bancorp made $205M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 18.0% a year.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
FY16
Net income $59.2M
FY17
Net income $52.6M
FY18
Net income $84.4M
FY19
Net income $53.8M
FY20
Net income $74.3M
FY21
Net income $146M
FY22
Net income $166M
FY23
Net income $182M
FY24
Net income $198M
FY25
Net income $205M
Net income
Q3 '23
Net income $44.9M
Q4 '23
Net income $46.6M
Q1 '24
Net income $49.7M
Q2 '24
Net income $51.1M
Q3 '24
Net income $47.0M
Q4 '24
Net income $50.3M
Q1 '25
Net income $45.6M
Q2 '25
Net income $51.8M
Q3 '25
Net income $51.8M
Q4 '25
Net income $55.9M
Q1 '26
Net income $53.9M
Q2 '26
Net income $58.8M
Diluted EPS
FY16
Diluted EPS $1.03
FY17
Diluted EPS $0.88
FY18
Diluted EPS $1.52
FY19
Diluted EPS $0.92
FY20
Diluted EPS $1.32
FY21
Diluted EPS $2.81
FY22
Diluted EPS $3.44
FY23
Diluted EPS $3.83
FY24
Diluted EPS $4.23
FY25
Diluted EPS $4.58
Diluted EPS
Q3 '23
Diluted EPS $0.95
Q4 '23
Diluted EPS $0.99
Q1 '24
Diluted EPS $1.05
Q2 '24
Diluted EPS $1.08
Q3 '24
Diluted EPS $1.00
Q4 '24
Diluted EPS $1.10
Q1 '25
Diluted EPS $1.00
Q2 '25
Diluted EPS $1.15
Q3 '25
Diluted EPS $1.16
Q4 '25
Diluted EPS $1.27
Q1 '26
Diluted EPS $1.26
Q2 '26
Diluted EPS $1.39
Cash and shareholders
How much cash comes in, and where does it go?
Dividends, buybacks and share count
KIRA Β· Ofg Bancorp returned $51.9M to shareholders in fiscal 2025, 26% of free cash flow. The diluted share count fell 4.6%.
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
FY16
Dividends $10.1M
Buybacks $0.0M
FY17
Dividends $10.6M
Buybacks $0.0M
FY18
Dividends $12.8M
Buybacks β
FY19
Dividends $14.4M
Buybacks β
FY20
Dividends $14.4M
Buybacks β
FY21
Dividends $19.7M
Buybacks β
FY22
Dividends $30.1M
Buybacks β
FY23
Dividends $41.0M
Buybacks β
FY24
Dividends $45.6M
Buybacks β
FY25
Dividends $51.9M
Buybacks β
Dividends
Buybacks
Dividends and buybacks
Q3 '23
Dividends $10.4M
Buybacks β
Q4 '23
Dividends $10.5M
Buybacks β
Q1 '24
Dividends $10.4M
Buybacks β
Q2 '24
Dividends $11.9M
Buybacks β
Q3 '24
Dividends $11.7M
Buybacks β
Q4 '24
Dividends $11.6M
Buybacks β
Q1 '25
Dividends $11.5M
Buybacks β
Q2 '25
Dividends $13.6M
Buybacks β
Q3 '25
Dividends $13.5M
Buybacks β
Q4 '25
Dividends $13.4M
Buybacks β
Q1 '26
Dividends $13.1M
Buybacks β
Q2 '26
Dividends $14.9M
Buybacks β
Dividends
Buybacks
Diluted shares outstanding (annual)
FY16
Diluted shares 0.05B
FY17
Diluted shares 0.05B
FY18
Diluted shares 0.05B
FY19
Diluted shares 0.05B
FY20
Diluted shares 0.05B
FY21
Diluted shares 0.05B
FY22
Diluted shares 0.05B
FY23
Diluted shares 0.05B
FY24
Diluted shares 0.05B
FY25
Diluted shares 0.04B
Insider trades
KIRA Β· No open-market insider trades in the last 12 months.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. βPlanβ marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
β
$0.0M
No open-market insider trades in the last 12 months.
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Loans, deposits and capital at each fiscal year end.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Loans and deposits
FY16
Loans $4.1B
Deposits $4.7B
FY17
Loans $4.0B
Deposits $4.8B
FY18
Loans $4.4B
Deposits $4.9B
FY19
Loans $6.6B
Deposits $7.7B
FY20
Loans $6.5B
Deposits $8.4B
FY21
Loans β
Deposits $8.6B
FY22
Loans $6.7B
Deposits $8.6B
FY23
Loans $7.4B
Deposits $9.8B
FY24
Loans $7.6B
Deposits $9.6B
FY25
Loans $8.0B
Deposits $10.3B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | β | $6.7B | $7.4B | $7.6B | $8.0B |
| Deposits | $8.6B | $8.6B | $9.8B | $9.6B | $10.3B |
| Loans / deposits | β | 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 |
Returns and efficiency
KIRA Β· It earned 15.5% on shareholdersβ money. Running costs took 53.3% of revenue (the efficiency ratio; lower is better).
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
In plain words: Return on equity is the profit made on shareholdersβ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
Return on equity, return on tangible equity and efficiency ratio
FY16
ROE 6.4%
ROTE 5.4%
Efficiency ratio 59.0%
FY17
ROE 5.6%
ROTE 4.5%
Efficiency ratio 52.7%
FY18
ROE 8.7%
ROTE 8.0%
Efficiency ratio 52.3%
FY19
ROE 5.3%
ROTE 5.2%
Efficiency ratio β
FY20
ROE 7.0%
ROTE 7.1%
Efficiency ratio β
FY21
ROE 13.6%
ROTE 15.3%
Efficiency ratio β
FY22
ROE 15.7%
ROTE 17.9%
Efficiency ratio β
FY23
ROE 16.3%
ROTE 16.7%
Efficiency ratio β
FY24
ROE 16.2%
ROTE 17.2%
Efficiency ratio 52.8%
FY25
ROE 15.5%
ROTE 15.8%
Efficiency ratio 53.3%
ROE
ROTE
Efficiency ratio
All figures
Every number, year by year.
10 years of figures
Amounts in USD. Hover a ratioβs name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | β | β | β | β |
| Interest expense | $57.2M | $41.5M | $44.5M | $51.0M | $64.9M | $41.8M | $33.5M | $88.0M | β | β |
| 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 | β | β | β | β | $0.4M | $0.0M | $0.0M | β | β | β |
| Share buybacks | $0.0M | $0.0M | β | β | β | β | β | β | β | β |
| 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 | β | $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 | β | β | $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% | β | β | β | β | β | 27.8% | 28.0% |
| FCF margin | 20.0% | 37.9% | 30.8% | β | β | β | β | β | 32.5% | 27.3% |
| Net interest share of revenue | 81.8% | 79.4% | 79.8% | β | β | β | β | β | 82.7% | 83.2% |
| Efficiency ratio | 59.0% | 52.7% | 52.3% | β | β | β | β | β | 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 | β | 4.5% | 3.4% | β100.0% | β | β | β | β | β | 2.8% |
| Net income growth | β | β11.0% | 60.3% | β36.2% | 38.0% | 96.6% | 13.7% | 9.4% | 9.0% | 3.5% |
| EPS growth | β | β14.6% | 72.7% | β39.5% | 43.5% | 112.9% | 22.4% | 11.3% | 10.4% | 8.3% |
| FCF growth | β | 98.0% | β15.9% | β20.7% | β79.6% | 290.9% | 73.3% | 108.2% | β16.8% | β13.8% |
| Share count change | β | 0.0% | 0.5% | 0.7% | β0.3% | β0.4% | β5.7% | β1.8% | β1.4% | β4.6% |
| Financial health | ||||||||||
| Loans / deposits | 88.5% | 84.1% | 90.1% | 86.0% | 76.7% | β | 78.0% | 75.5% | 79.3% | 77.9% |
| Provision / loans | 1.6% | 2.8% | 1.3% | 1.5% | 1.4% | β | β | β | β | β |
| Capital allocation | ||||||||||
| Capex / revenue | 1.4% | 1.7% | 2.9% | β | β | β | β | β | 3.0% | 2.5% |
| Stock comp / revenue | 0.3% | 0.3% | 0.4% | β | β | β | β | β | 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 | β0.3% | β1.6% | β0.8% | β0.7% | 0.4% | 0.5% | 0.0% | β1.1% | β0.5% | β0.1% |
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 β not investment advice. Check the original filings before relying on any figure.