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OFG Bancorp (OFG) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · BANKS - REGIONAL · DATA UPDATED 2026-09-06

OFG Bancorp (OFG) operates in the BANKS - REGIONAL industry and is headquartered in San Juan, United States with about 2,185 employees. Its market capitalization is roughly $2 billion. In the fiscal year ended 2025-12-31, OFG reported $863M in revenue and $205M in net income.

OFG Bancorp, a financial holding company, provides a range of banking and financial services in the United States. It operates through three segments: Banking, Wealth Management, and Treasury.

Interactive charts & full statements → Open the OFG valuation workbench →

OFG Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$903M	$863M	$823M	$728M	$599M	$539M	$541M	$430M	$401M	$388M	$386M	$386M	$476M	$485M	$303M	$325M	$301M	$395M	$386M	$332M	$250M
Gross Profit	$669M	$615M	$579M	$580M	$541M	$497M	$384M	$282M	$300M	$233M	$264M	$156M	$339M	$329M	$176M	$155M	$110M	$191M	$149M	$110M	$57M
Gross Margin %	74.1%	71.2%	70.3%	79.6%	90.4%	92.2%	70.9%	65.6%	74.9%	60.1%	68.3%	40.3%	71.1%	67.7%	58.1%	47.6%	36.6%	48.3%	38.6%	33.1%	22.8%
Operating Income (EBIT)	$284M	$266M	$254M	$265M	$244M	$215M	$95M	$75M	$133M	$68M	$85M	($20M)	$122M	$90M	$28M	$35M	$6M	$30M	$17M	$43M	($7M)
Operating Margin %	31.5%	30.8%	30.8%	36.4%	40.8%	39.8%	17.5%	17.5%	33.1%	17.6%	22.1%	-5.2%	25.7%	18.5%	9.2%	10.9%	1.8%	7.6%	4.5%	12.9%	-2.7%
Net Income	$220M	$205M	$198M	$182M	$166M	$146M	$74M	$54M	$84M	$53M	$59M	($3M)	$85M	$98M	$25M	$34M	$10M	$23M	$27M	$41M	($5M)
Net Margin %	24.4%	23.8%	24.1%	25.0%	27.8%	27.1%	13.7%	12.5%	21.1%	13.6%	15.3%	-0.7%	17.9%	20.3%	8.1%	10.6%	3.3%	5.8%	7.0%	12.4%	-2.1%
EBITDA	$308M	$285M	$281M	$292M	$269M	$239M	$119M	$85M	$143M	$79M	$96M	($7M)	$135M	$103M	$33M	$41M	$11M	$36M	$23M	$48M	$3M
Earnings Per Share (EPS)	$4.98	$4.33	$4.23	$3.82	$3.43	$2.85	$1.44	$1.04	$1.64	$1.03	$1.16	$-0.05	$1.63	$1.86	$0.54	$0.77	$0.27	$0.94	$1.10	$1.69	$-0.21
Shares Outstanding (M)	42M	47M	47M	48M	48M	51M	52M	52M	51M	51M	51M	51M	52M	53M	45M	45M	37M	24M	24M	24M	25M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

OFG Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$231M	$226M	$229M	$217M	$210M	$207M	$210M	$205M
Gross Profit	$178M	$164M	$184M	$143M	$146M	$141M	$139M	$142M
Gross Margin %	77.1%	72.3%	80.6%	66.0%	69.5%	68.2%	66.1%	69.5%
Operating Income (EBIT)	$74M	$69M	$79M	$61M	$66M	$59M	$53M	$62M
Operating Margin %	32.3%	30.4%	34.7%	28.3%	31.3%	28.7%	25.1%	30.2%
Net Income	$59M	$54M	$56M	$52M	$52M	$46M	$50M	$47M
Net Margin %	25.5%	23.8%	24.4%	23.9%	24.6%	22.0%	24.0%	22.9%
EBITDA	$80M	$75M	$86M	$68M	$72M	$66M	$59M	$69M
Earnings Per Share (EPS)	$1.39	$1.26	$1.18	$1.16	$1.15	$1.00	$1.09	$1.00
Shares Outstanding (M)	42M	43M	47M	45M	45M	46M	46M	47M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

OFG Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$225M	$218M	$252M	$296M	$164M	$100M	($89M)	$110M	$133M	$151M	$79M	$97M	$175M	$174M	$50M	($40M)	($32M)	($44M)	($14M)	($39M)	($59M)
Capital Expenditures (CapEx)	$22M	$18M	$42M	$18M	$31M	$23M	$15M	$13M	$11M	$6M	$5M	$5M	$8M	$9M	$2M	$3M	$10M	$5M	$5M	$7M	$11M
Free Cash Flow (FCF)	$203M	$199M	$211M	$278M	$133M	$77M	($104M)	$97M	$122M	$145M	$73M	$92M	$167M	$165M	$48M	($43M)	($42M)	($49M)	($19M)	($46M)	($69M)
FCF Margin %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Dividends Paid	$55M	$52M	$46M	$41M	$30M	$21M	$21M	$21M	$25M	$24M	$24M	$32M	$28M	$25M	$20M	$14M	$12M	$9M	$18M	$18M	$19M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

OFG Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$53M	$73M	$59M	$40M	$36M	$83M	$38M	$58M
Capital Expenditures (CapEx)	$8M	$4M	$6M	$4M	$4M	$4M	$7M	$24M
Free Cash Flow (FCF)	$45M	$69M	$53M	$36M	$32M	$79M	$31M	$35M
FCF Margin %	—	—	—	—	—	—	—	—
Dividends Paid	$15M	$13M	$13M	$13M	$14M	$11M	$12M	$12M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

OFG Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$12.2B	$12.5B	$11.5B	$11.3B	$9.8B	$9.9B	$9.8B	$9.3B	$6.6B	$6.2B	$6.5B	$7.1B	$7.4B	$8.1B	$9.2B	$6.7B	$7.3B	$6.6B	$6.2B	$6.0B	$4.4B
Cash & Cash Equivalents	$746M	$1.0B	$591M	$748M	$550M	$2.0B	$2.2B	$853M	$450M	$488M	$513M	$540M	$573M	$621M	$869M	$591M	$449M	$277M	$14M	$23M	$20M
Total Liabilities	$10.7B	$11.1B	$10.2B	$10.2B	$8.8B	$8.8B	$8.7B	$155M	$5.6B	$5.2B	$5.6B	$6.2B	$6.5B	$7.3B	$8.3B	$6.0B	$6.6B	$6.2B	$5.9B	$5.6B	$4.0B
Total Debt (Short + Long-Term)	$557M	$501M	$401M	$209M	$63M	$102M	$77M	$184M	$249M	$174M	$393M	$941M	$991M	$1.3B	$2.0B	$5.7B	$6.6B	$7.6B	$7.8B	$8.3B	$3.6B
Total Shareholders' Equity	$1.4B	$1.4B	$1.3B	$1.2B	$1.0B	$1.1B	$1.1B	$9.1B	$1.0B	$945M	$920M	$897M	$942M	$885M	$864M	$696M	$732M	$330M	$261M	$359M	$336M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive OFG viewer.

Other Companies in BANKS - REGIONAL

MBIN · Merchants Bancorp — $2 billion
INTR · Inter & Co. Inc. Class A Common Shares — $2 billion
NWBI · Northwest Bancshares Inc — $2 billion
EFSC · Enterprise Financial Services — $2 billion
FCF · First Commonwealth Financial — $2 billion
SRCE · 1st Source Corporation — $2 billion
CHCO · City Holding Company — $2 billion
BLX · Bladex Inc. — $2 billion

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