Saturday 17 October 2026 Export OFG’s income statement to Excel — free account

OFG Bancorp

OFG Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $903.9 million, up 3.48% from fiscal 2024. In the quarter to June 2026, revenue grew 2.40%, EPS grew 20.9%, free cash flow grew 41.8% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

52.64 0.51 +0.98%

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Market cap: $2.2B
P/E: 10.3×
Fwd P/E: 9.8×
Dividend yield: 2.56%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.06

Total sells 6.06

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	1	—	—	—	—	—	—	—	—
Sell	2	2	—	—	—	—	—	—	1	2	—	—

Insider Ownership 0.90%

Capital & Financial Ratios $m

Market Cap 2,200.00

Revenue 916.86

Net Income 220.44

Free Cash Flow 204.10

Net Debt (354.02)

Current Ratio 0.88

Debt/Equity 0.32

P/E ratio 10.32

Fwd P/E 9.81

P/S ratio 2.43

P/B ratio 1.58

Past 5Y EPS Growth 28.25%

This Y EPS Growth 11.22%

Next Y EPS Growth 1.14%

Next Y revenue growth (16.83%)

Next 5Y EPS Growth 5.87%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 48.62%

10-year low 10-year high

P/S against its own 10 years 93.99%

10-year low 10-year high

P/B against its own 10 years 95.61%

10-year low 10-year high

Dividends

Payout Ratio 0.27

Annual Dividend Rate 1.35

Annual Dividend Yield 2.56%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.40	0.35 0.35 0.35
2025	1.20	0.30 0.30 0.30 0.30
2024	1.00	0.25 0.25 0.25 0.25
2023	0.88	0.22 0.22 0.22 0.22
2022	0.70	0.15 0.15 0.20 0.20
2021	0.40	0.08 0.08 0.12 0.12
2020	0.28	0.07 0.07 0.07 0.07
2019	0.28	0.07 0.07 0.07 0.07
2018	0.25	0.06 0.06 0.06 0.07
2017	0.24	0.06 0.06 0.06 0.06
2016	0.24	0.06 0.06 0.06 0.06

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	787	646	1,103	811
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	8,260	8,352	9,188	8,998

	2023	2024	2025	Q'26
Payables	9,762	9,605	10,263	9,983
ST’ Debt	—	—	—	—
Other	0	—	0	—
	9,878	9,827	10,573	10,249

Compound Annual Growth %

	10y	5y	3y
Sales	7.01%	8.62%	11.78%
Cash Flow	8.41%	44.17%	9.80%
Earnings	0.00%	24.78%	7.25%
Book Value	4.48%	5.06%	10.07%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	226	230	—	—	—
’25	219	225	232	229	904
’24	214	220	216	224	874
’23	178	188	196	215	777
’22	145	158	165	179	647
’21	141	146	145	151	582
’20	155	149	146	147	598

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	73	53	—	—	—
’25	83	36	40	59	218
’24	61	95	58	38	253
’23	52	47	89	108	296
’22	39	50	26	49	164
’21	36	32	24	8	100
’20	19	2	28	(15)	35

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	69	45	—	—	—
’25	79	32	36	55	201
’24	55	90	35	31	211
’23	49	43	85	101	278
’22	30	47	18	43	138
’21	33	26	19	(1)	78
’20	15	(1)	24	(19)	20

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.26	1.39	—	—	—
’25	1.00	1.15	1.16	1.27	4.58
’24	1.05	1.08	1.00	1.09	4.23
’23	0.96	0.93	0.95	0.98	3.83
’22	0.76	0.84	0.87	0.97	3.44
’21	0.56	0.78	0.81	0.66	2.81
’20	0.00	0.39	0.50	0.42	1.32

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	4.56	7.80	8.50	16.12	8.63	16.00	24.39	22.34	33.19	33.15	Analyst estimates 2026–2028 Powerpack
	High	14.48	13.85	18.65	24.95	23.74	27.73	30.93	38.47	47.66	46.11
People
People	Employees	1,416	1,408	1,392	2,431	2,275	2,269	2,253	2,248	2,246	2,185
	Revenue/emp, $m	0.30	0.30	0.32	0.19	0.26	0.26	0.29	0.35	0.39	0.41
Income, $m
Income, $m	Revenue	423	424	441	456	598	582	647	777	874	904
	Gross margin, %	86.50	90.23	89.89	88.82	89.14	92.82	94.83	88.68	81.47	80.92
	EBT	85	68	133	75	95	215	244	265	254	234
	EBT margin, %	20.12	16.05	30.15	16.49	15.87	36.85	37.71	34.13	29.05	25.90
	Net income	59	53	84	54	74	146	166	182	198	205
	Depreciation	37	20	21	19	15	17	21	24	23	25
Per share, $
Per share, $	Revenue	9.64	9.66	9.70	8.89	11.64	11.43	13.48	16.45	18.73	20.29
	Earnings	1.03	0.88	1.59	0.93	1.32	2.85	3.46	3.85	4.25	4.60
	Cash flow	1.79	3.45	2.94	2.14	0.68	1.96	3.42	6.26	5.41	4.89
	Capex	(0.12)	(0.13)	(0.22)	(0.21)	(0.30)	(0.44)	(0.55)	(0.38)	(0.89)	(0.38)
	Free cash flow	1.67	3.31	2.72	1.93	0.38	1.52	2.88	5.88	4.52	4.51
	Book value	20.96	21.51	22.02	20.37	21.15	20.98	21.70	25.25	26.90	31.20
	Shares, m	44	44	45	51	51	51	48	47	47	45
Valuation, ×
Valuation, ×	P/E	12.84	10.17	10.35	25.12	14.15	9.32	8.00	9.61	9.93	8.89
	P/S	1.38	0.93	1.70	2.66	1.59	2.32	2.05	2.24	2.26	2.02
	P/B	0.79	0.51	0.82	1.27	0.96	1.27	1.28	1.46	1.57	1.31
	EV/Sales	0.51	0.10	0.93	1.04	(1.86)	(1.07)	1.21	1.49	1.89	1.30
	EV/FCF	2.92	0.28	3.32	4.79	(56.41)	(8.04)	5.65	4.08	7.84	6.54
Cash, $m
Cash, $m	Operating cash flow	79	151	133	110	35	100	164	296	253	218
	Capex	(5)	(6)	(10)	(11)	(15)	(22)	(26)	(18)	(42)	(17)
	Free cash flow	73	146	124	99	20	78	138	278	211	201
Balance, $m
Balance, $m	Working capital	(732)	(485)	(536)	(544)	164	(272)	(1,334)	(1,618)	(1,475)	(1,385)
	Total debt	142	136	114	114	102	65	27	201	326	457
	Net debt	(372)	(353)	(337)	(739)	(2,066)	(1,977)	(547)	(586)	(320)	(647)
	Shareholders’ equity	920	945	1,000	1,045	1,086	1,069	1,042	1,193	1,254	1,390
Returns, %
Returns, %	ROA	0.67	0.61	1.13	0.60	0.71	1.47	1.69	1.72	1.73	1.71
	ROIC	9.71	7.18	12.52	20.23	0.00	0.00	30.82	27.28	16.97	19.68
	ROE	6.19	5.13	8.63	5.09	6.96	14.05	15.75	16.27	16.19	15.51

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
SYBT Stock Yards Bancorp, Inc.	$2.4B	15.2×	14.5×	+11.27% (above 0%: growing)	+13.79% (above 0%: growing)	+1.75% (above 0%: growing)	73.89%	0.00%	Compare
BBT Beacon Financial Corporation	$2.3B	15.1×	9.7×	+99.71% (above 0%: growing)	+211.49% (above 0%: growing)	+88.09% (above 0%: growing)	68.58%	0.00%	Compare
MBIN Merchants Bancorp	$2.3B	9.8×	9.1×	−4.26% (below 0%: shrinking)	+146.67% (above 0%: growing)	+267.73% (above 0%: growing)	53.63%	0.00%	Compare
OFG OFG Bancorp	$2.2B	10.3×	9.8×	+2.40% (above 0%: growing)	+20.87% (above 0%: growing)	+41.84% (above 0%: growing)	82.69%	0.00%
NWBI Northwest Bancshares, Inc.	$2.2B	14.2×	10.3×	+18.20% (above 0%: growing)	+42.31% (above 0%: growing)	+538.73% (above 0%: growing)	75.69%	0.00%	Compare
WAFD WaFd, Inc.	$2.2B	9.1×	10.9×	+1.80% (above 0%: growing)	+16.44% (above 0%: growing)	+33.88% (above 0%: growing)	57.68%	0.00%	Compare
EFSC Enterprise Financial Services Corporation	$2.2B	11.8×	11.1×	+1.34% (above 0%: growing)	−19.12% (below 0%: shrinking)	+15.23% (above 0%: growing)	75.04%	0.00%	Compare
SRCE 1st Source Corporation	$2.1B	12.3×	11.1×	+3.88% (above 0%: growing)	+29.14% (above 0%: growing)	+16.78% (above 0%: growing)	75.70%	0.00%	Compare
FCF First Commonwealth Financial Corporation	$2.0B	12.4×	11.1×	+1.44% (above 0%: growing)	+37.50% (above 0%: growing)	−98.48% (below 0%: shrinking)	74.84%	0.00%	Compare
Median of peers	$2.2B	12.4×	11.0×	+2.84%	+33.32%	+25.33%	74.36%	0.00%

All 323 Banks Regional stocks →

OFG Bancorp (OFG) key facts

Strength: OFG Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $903.9 million, up 3.48% from fiscal 2024.
OFG Bancorp (OFG) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, OFG traded at $52.64, a market capitalization of $2.2 billion.
OFG Bancorp pays an annual dividend of $1.35 per share, a yield of 2.56%, with a payout ratio of 26.6%.
Return on equity was 15.5% and debt-to-equity 0.32.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.