OFG
$52.64+0.98%
OFG financial statements
The full income statement, balance sheet, and cash-flow statement for OFG Bancorp (OFG), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 46.6M2024-09 45.9M2024-12 45.4M2025-03 44.9M2025-06 44.5M2025-09 44.0M2025-12 43.1M2026-03 42.3M2026-06 42.3M-9.2% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
As-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 731M+2.8% | 712M+3.3% | 689M+12.3% | 614M+13.5% | 541M+1.5% | ||
| Noninterest income | 123M-0.2% | 123M-4.0% | 128M-2.5% | 132M-1.1% | 133M+7.1% | |
| Restructuring | — | — | — | 0.00 | 0.00-100.0% | |
| Amortization of intangibles | 4.93M-16.6% | 5.91M-14.3% | 6.90M-18.8% | 8.50M-13.3% | 9.80M-11.4% | |
| Noninterest expense | 390M+3.8% | 376M+3.4% | 363M+5.2% | 346M+6.1% | 326M-5.7% | |
| Provision for credit losses | — | — | — | — | 221K-99.8% | |
| Interest expense | — | — | 88.0M+162.8% | 33.5M-19.9% | 41.8M-35.6% | |
| Interest & investment income | 781M+4.1% | 750M+15.6% | 649M+25.9% | 516M+14.8% | 449M-5.1% | |
| Net interest income | 608M+3.4% | 588M+4.9% | 561M+16.3% | 482M+18.3% | 407M-0.3% | |
| Pre-tax income | 234M-7.7% | 254M-4.3% | 265M+8.7% | 244M+13.7% | 215M+126.3% | |
| Income tax | 29.0M-47.8% | 55.6M-33.3% | 83.4M+7.1% | 77.9M+13.8% | 68.5M+233.9% | |
| 205M+3.5% | 198M+9.0% | 182M+9.4% | 166M+13.7% | 146M+96.6% | ||
| Preferred dividends | — | — | 0.00 | 0.00-100.0% | 1.25M-80.7% | |
| Net income to common | 205M+3.5% | 198M+9.0% | 182M+9.4% | 166M+14.7% | 145M+113.7% | |
| $4.58+8.3% | $4.23+10.4% | $3.83+11.3% | $3.44+22.4% | $2.81+112.9% | ||
| EPS (basic) | $4.60+8.2% | $4.25+10.4% | $3.85+11.3% | $3.46+21.4% | $2.85+115.9% | |
| Weighted-avg shares (basic) | 44.6M-4.5% | 46.6M-1.3% | 47.3M-1.6% | 48.0M-5.7% | 51.0M-0.8% | |
| Weighted-avg shares (diluted) | 44.8M-4.6% | 46.9M-1.4% | 47.6M-1.8% | 48.4M-5.7% | 51.4M-0.4% | |
| Dividends per share | $1.20+20.0% | $1.00+13.6% | $0.88+25.7% | $0.70+75.0% | $0.40+42.9% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 1.04B+76.0% | 591M-21.0% | 748M+36.0% | 550M-72.8% | 2.02B-6.1% | |
| 12.5B+8.4% | 11.5B+1.4% | 11.3B+15.5% | 9.82B-0.8% | 9.90B+0.8% | ||
| Property, plant & equipment | 93.6M-10.5% | 105M+0.4% | 104M-2.5% | 107M+16.0% | 92.1M+10.0% | |
| Operating lease right-of-use | 21.3M+10.8% | 19.2M-11.6% | 21.7M-14.3% | 25.4M-12.1% | 28.8M-8.1% | |
| Goodwill | 84.2M+0.0% | 84.2M+0.0% | 84.2M+0.0% | 84.2M-2.1% | 86.1M+0.0% | |
| Intangible assets | 9.85M-33.3% | 14.8M-28.6% | 20.7M-25.0% | 27.6M-23.6% | 36.1M-21.4% | |
| Deferred tax assets | 104M+1570.3% | 6.25M+26.9% | 4.92M-91.1% | 55.5M-44.0% | 99.1M-39.0% | |
| 11.1B+8.1% | 10.2B+0.9% | 10.2B+15.7% | 8.78B-0.6% | 8.83B+1.0% | ||
| Operating lease liability (total) | 23.2M+8.3% | 21.4M-11.0% | 24.0M-12.2% | 27.4M-10.3% | 30.5M-6.4% | |
| Deferred tax liabilities | 0.00-100.0% | 40.7M+81.4% | 22.4M | 0.00 | — | |
| 1.39B+10.8% | 1.25B+5.1% | 1.19B+14.5% | 1.04B-2.5% | 1.07B-1.5% | ||
| Common stock | 59.9M+0.0% | 59.9M+0.0% | 59.9M+0.0% | 59.9M+0.0% | 59.9M+0.0% | |
| Additional paid-in capital | 643M+0.5% | 640M+0.2% | 639M+0.3% | 637M-0.0% | 637M+2.3% | |
| Retained earnings | 905M+17.2% | 772M+20.8% | 639M+23.8% | 516M+29.1% | 400M+33.3% | |
| Treasury stock | 389M+31.0% | 297M+30.1% | 228M+8.2% | 211M+40.2% | 151M+46.3% | |
| Accumulated other comprehensive income | -16.9M+81.2% | -89.8M-34.1% | -67.0M+28.3% | -93.4M-1910.3% | 5.16M-53.2% | |
| Total liabilities & equity | 12.5B+8.4% | 11.5B+1.4% | 11.3B+15.5% | 9.82B-0.8% | 9.90B+0.8% | |
| Common shares issued | 59.9M+0.0% | 59.9M+0.0% | 59.9M+0.0% | 59.9M+0.0% | 59.9M+0.0% | |
| Common shares outstanding | 43.3M-4.8% | 45.4M-3.5% | 47.1M-1.1% | 47.6M-4.1% | 49.6M-3.4% | |
| Shares outstanding (cover) | 43.1M-5.1% | 45.4M-3.6% | 47.1M-1.1% | 47.6M-2.8% | 48.9M-4.8% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 218M-13.8% | 253M-14.6% | 296M+79.8% | 164M+64.4% | 100M+186.2% | ||
| Depreciation & amortization | 20.5M-2.0% | 20.9M+2.4% | 20.4M-16.1% | 24.3M+1.7% | 23.9M+0.6% | |
| Intangible amortization | 4.93M-16.6% | 5.91M-14.3% | 6.90M-18.8% | 8.50M-13.3% | 9.80M-11.4% | |
| Share-based compensation | 6.24M-13.0% | 7.17M+43.4% | 5.00M+19.5% | 4.18M-33.0% | 6.25M+187.8% | |
| Deferred income taxes | -154M-812.7% | 21.6M-68.0% | 67.3M+10.2% | 61.1M-3.9% | 63.6M+128.5% | |
| -438M-30.5% | -336M+76.1% | -1.40B+7.2% | -1.51B-727.0% | -183M-124.1% | ||
| Capital expenditure | 18.4M-13.8% | 21.3M+19.5% | 17.9M-42.4% | 31.0M+34.5% | 23.1M+51.0% | |
| Free cash flow | 199M-13.8% | 231M-16.8% | 278M+108.2% | 133M+73.3% | 77.0M+290.9% | |
| Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00-100.0% | |
| Sales/maturities of investments | 526M-46.9% | 991M+262.1% | 274M+106.1% | 133M+30.1% | 102M-82.1% | |
| Proceeds from sale of PP&E | 1.42M+142200.0% | 1.00K-97.4% | 38.0K-99.2% | 4.78M+739.3% | 570K+996.2% | |
| 670M+1010.7% | -73.6M-105.6% | 1.31B+1147.9% | -125M-154.3% | -49.0M-109.6% | ||
| Long-term debt issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 91.6M+30.2% | 70.3M+277.0% | 18.7M-70.9% | 64.1M+28.5% | 49.9M+2140.4% | |
| Dividends paid | 51.9M+13.6% | 45.6M+11.3% | 41.0M+36.3% | 30.1M+52.6% | 19.7M+37.1% | |
| Net change in cash | 449M+386.0% | -157M-179.4% | 198M+113.4% | -1.47B-1016.7% | -132M-110.1% | |
| Interest paid | 165M+5.4% | 157M+96.7% | 79.7M+195.7% | 27.0M-23.7% | 35.3M-37.4% | |
| Income taxes paid | 81.5M+103.5% | 40.1M+167.0% | 15.0M+192.8% | 5.13M+83.5% | 2.79M-55.3% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 1.76B-8.1% | 1.92B+8.9% | 1.76B+34.5% | 1.31B+0.8% | 1.30B+36.4% | |
| P/E | 8.6×-11.2% | 9.7×-0.2% | 9.7×+13.4% | 8.6×-3.8% | 8.9×-30.6% | |
| P/S | 2.4×-10.6% | 2.7×+3.4% | 2.6×+17.0% | 2.2×-7.2% | 2.4×+34.5% | |
| P/B | 1.3×-17.1% | 1.5×-4.9% | 1.6×+22.1% | 1.3×+8.5% | 1.2×+38.6% | |
| P/FCF | 8.9×+6.5% | 8.3×+3.3% | 8.0×-44.9% | 14.6×-13.5% | 16.9×-65.1% | |
| Earnings yield | 11.6%+12.7% | 10.3%+0.2% | 10.3%-11.9% | 11.7%+3.9% | 11.2%+44.1% | |
| FCF yield | 11.3%-6.1% | 12.0%-3.2% | 12.4%+81.6% | 6.8%+15.6% | 5.9%+186.5% | |
| Dividend yield | 2.9%+23.9% | 2.4%+0.6% | 2.3%-7.6% | 2.5%+68.7% | 1.5%-0.3% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: OFG’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all OFG filings on SEC EDGAR → Not investment advice.