Ofg Bancorp (OFG) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Ofg Bancorp reported revenue of $731.4M, up 2.8% from $711.7M the year before. Net income was $205.1M (a 28.0% net margin), or $4.58 per diluted share. Net interest income was $608.5M, and the efficiency ratio (noninterest expense / revenue) was 53.3%. Operating activities generated $217.7M of cash, leaving $199.3M of free cash flow. At fiscal year end, Ofg Bancorp held $12.47B in total assets against $11.08B in total liabilities, including $1.04B of cash and equivalents.
Open the full interactive Ofg Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Ofg Bancorp Key Stats
| Share Price | $50.86 |
|---|---|
| Market Cap | $2.16B |
| P/E Ratio | 11.1 |
| Revenue YoY Growth | +2.8% |
| 52-Week Range | $36.31 – $53.58 |
| Shares Outstanding | 42.3 million (basic, 2026 Q2) |
Ofg Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $408.4M | $407.4M | $482.1M | $560.9M | $588.4M | $608.5M |
| Provision for Credit Losses | $92.7M | $221,000 | $24.1M | $60.6M | $82.3M | $107.5M |
| Noninterest Income | $124.4M | $133.2M | $131.7M | $128.4M | $123.2M | $123.0M |
| Noninterest Expense | $345.3M | $325.8M | $345.5M | $363.4M | $375.7M | $389.8M |
| Revenue | $532.8M | $540.6M | $613.8M | $689.3M | $711.7M | $731.4M |
| Pre-Tax Income | $94.8M | $214.6M | $244.1M | $265.2M | $253.7M | $234.1M |
| Income Tax | $20.5M | $68.5M | $77.9M | $83.4M | $55.6M | $29.0M |
| Net Income | $74.3M | $146.2M | $166.2M | $181.9M | $198.2M | $205.1M |
| Diluted EPS | $1.32 | $2.81 | $3.44 | $3.83 | $4.23 | $4.58 |
Ofg Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $186.2M | $184.3M | $186.0M | $190.3M |
| Net Income | $51.8M | $55.9M | $53.9M | $58.8M |
| Diluted EPS | $1.16 | $1.25 | $1.26 | $1.39 |
Ofg Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $2.15B | $2.02B | $550.3M | $748.2M | $591.1M | $1.04B |
| Loans (Net) | $6.46B | — | — | $7.37B | $7.62B | $8.00B |
| Total Assets | $9.83B | $9.90B | $9.82B | $11.34B | $11.50B | $12.47B |
| Deposits | $8.42B | $8.60B | $8.57B | $9.76B | $9.60B | $10.26B |
| Total Long-Term Debt | $102.4M | $64.6M | $27.0M | $200.8M | $326.0M | $456.6M |
| Total Liabilities | $8.74B | $8.83B | $8.78B | $10.15B | $10.25B | $11.08B |
| Shareholders' Equity | $1.09B | $1.07B | $1.04B | $1.19B | $1.25B | $1.39B |
Ofg Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$88.6M | $100.0M | $164.5M | $295.7M | $252.5M | $217.7M |
| Cash From Investing | $881.1M | -$182.9M | -$1.51B | -$1.40B | -$336.0M | -$438.4M |
| Cash From Financing | $510.4M | -$49.0M | -$124.7M | $1.31B | -$73.6M | $669.9M |
| Free Cash Flow | -$103.9M | $77.0M | $133.5M | $277.8M | $231.2M | $199.3M |
Figures from Ofg Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Ofg Bancorp financials page for every line item.
Ofg Bancorp Company Profile
| Ticker | OFG |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | San Juan, Puerto Rico |
| Incorporated in | Puerto Rico |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001030469 |
Frequently Asked Questions
What was Ofg Bancorp's revenue in fiscal 2025?
Ofg Bancorp (OFG) reported revenue of $731.4M for fiscal 2025.
What is Ofg Bancorp's annual revenue history?
Ofg Bancorp's annual revenue by fiscal year: 2020: $532.8M; 2021: $540.6M; 2022: $613.8M; 2023: $689.3M; 2024: $711.7M; 2025: $731.4M.
What was Ofg Bancorp's net income in fiscal 2025?
Ofg Bancorp reported net income of $205.1M for fiscal 2025.
What was Ofg Bancorp's earnings per share (EPS) in fiscal 2025?
Ofg Bancorp's diluted EPS was $4.58 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Ofg Bancorp generate in fiscal 2025?
Ofg Bancorp generated $199.3M of free cash flow in fiscal 2025.
What was Ofg Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Ofg Bancorp reported revenue of $190.3M.
How much debt does Ofg Bancorp have?
Ofg Bancorp reported $456.6M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Ofg Bancorp are outstanding?
Ofg Bancorp reported a weighted average of 42.3 million basic shares outstanding in 2026 Q2.
What is Ofg Bancorp's market cap?
Based on its latest closing price, Ofg Bancorp (OFG) has a market capitalization of about $2.16B.
When does Ofg Bancorp's fiscal year end?
Ofg Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Ofg Bancorp headquartered?
Ofg Bancorp lists its business address in San Juan, Puerto Rico in its SEC filings.