What is OFG BANCORP's earnings per share (EPS)?

OFG BANCORP (OFG) reported diluted earnings per share of $4.58 for fiscal year 2025. This represents a 8.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

OFG BANCORP (OFG) Financials

OFG

Trailing 12 months to June 30, 2026

Revenue $746.8M +4.0% YoY

Net Income $220.4M +13.2% YoY

EPS (Diluted) $5.08 +19.8% YoY

Free Cash Flow $202.7M +3.1% YoY

Market Cap $2.1B as of Oct 9, 2026

Price / Sales 2.9x on $746.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings 9.7x on $220.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.5x on $1.4B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the OFG SEC filings page.

OFG BANCORP (OFG) reported $746.8M in revenue over the twelve months to Jun 30, 2026, up 4.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI OFG FY2025 2026-10-04

OFG Bancorp earns steadily on a highly leveraged banking balance sheet, while capital returns and asset growth shape its cash generation.

Net profit margin stayed near 27.0%-28.0% from FY2021 through FY2025, while return on assets remained only 1.5%-1.7%; the combination shows that profits are being produced across a large asset base rather than through unusually high asset productivity. This is the central banking tradeoff visible here: modest asset returns can still generate substantial earnings when the balance sheet is heavily funded by liabilities.

In FY2025, operating cash flow of $218M nearly matched net income of $205M, indicating that reported earnings were broadly converting into cash rather than depending heavily on accruals. Yet free cash flow fell from $231M in FY2024 to $199M in FY2025 even as profit increased, so more cash was absorbed by investing or balance-sheet movements.

Assets expanded 25.9% from FY2021 to FY2025 while debt-to-equity was still 8.0x in FY2025; growth therefore remains predominantly liability-funded, a normal banking mechanic that keeps returns on assets low. The share count also declined from 49.0M to 43.1M as buybacks continued, meaning per-share earnings benefited from both business profits and a smaller equity base.

Financial Health Signals

Financial Health Score 56/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of OFG BANCORP's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

OFG BANCORP earned a return on assets of 1.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and OFG BANCORP scores 90/100 among other banks.

Growth

OFG BANCORP reported revenue of $731.4M in fiscal year 2025, against $711.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and OFG BANCORP scores 27/100 among other banks.

Capital

OFG BANCORP funded 11.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.4B of equity against $12.5B of assets. Capital ranks banks on that cushion, and OFG BANCORP scores 48/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. OFG BANCORP scores 85/100 on it among other banks.

Credit Quality

Not available for OFG BANCORP, and counted as zero in the overall score.

Stability

OFG BANCORP reported net income of $205.1M in fiscal year 2025, against $198.2M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and OFG BANCORP scores 83/100 among other banks.

Piotroski F-Score Partial

4/6

OFG BANCORP passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.06x

For every $1 of reported earnings, OFG BANCORP generates $1.06 in operating cash flow ($217.7M OCF vs $205.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$190.3M

YoY+4.4%

QoQ+2.3%

5Y CAGR+7.2%

10Y CAGR+8.0%

OFG BANCORP generated $190.3M in revenue in Q2 2026. This represents an increase of 4.4% from the same quarter a year earlier. Against the prior quarter it is up 2.3%.

Net Income

$58.8M

YoY+13.5%

QoQ+9.0%

5Y CAGR+7.6%

10Y CAGR+15.2%

OFG BANCORP reported $58.8M in net income in Q2 2026. This represents an increase of 13.5% from the same quarter a year earlier. Against the prior quarter it is up 9.0%.

EPS (Diluted)

$1.39

YoY+20.9%

QoQ+10.3%

5Y CAGR+12.2%

10Y CAGR+18.7%

OFG BANCORP earned $1.39 per diluted share (EPS) in Q2 2026. This represents an increase of 20.9% from the same quarter a year earlier. Against the prior quarter it is up 10.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$45.1M

YoY+41.8%

QoQ-34.5%

5Y CAGR+11.7%

10Y CAGR+21.1%

OFG BANCORP generated $45.1M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 41.8% from the same quarter a year earlier. Against the prior quarter it is down 34.5%.

Cash & Debt

$745.7M

YoY-12.5%

QoQ+17.2%

5Y CAGR-23.1%

10Y CAGR+3.7%

OFG BANCORP held $745.7M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.35

YoY+16.7%

QoQ0.0%

5Y CAGR+34.3%

10Y CAGR+19.3%

OFG BANCORP paid $0.35 per share in dividends in Q2 2026. This represents an increase of 16.7% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

42M

YoY-5.1%

QoQ0.0%

5Y CAGR-3.9%

10Y CAGR-0.4%

OFG BANCORP had 42M shares outstanding in Q2 2026. This represents a decrease of 5.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

30.9%

YoY+2.5pp

QoQ+1.9pp

5Y change+0.5pp

10Y change+14.7pp

OFG BANCORP's net profit margin was 30.9% in Q2 2026, showing the share of revenue converted to profit. This is up 2.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.9 percentage points.

Return on Equity

4.2%

YoY+0.3pp

QoQ+0.2pp

5Y change+0.4pp

10Y change+2.6pp

OFG BANCORP's ROE was 4.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

YoY-100.0%

QoQ-100.0%

OFG BANCORP repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.

Capital Expenditures

$8.1M

YoY+96.0%

QoQ+86.7%

5Y CAGR+6.0%

10Y CAGR+21.6%

OFG BANCORP invested $8.1M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 96.0% from the same quarter a year earlier. Against the prior quarter it is up 86.7%.

R&D Spending

Not reported for Q2 2026.

OFG Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OFG quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$746.8M	$731.4M+2.8%	$711.7M+3.3%	$689.3M+12.3%	$613.8M+13.5%	$540.6M+1.5%	$532.8M+31.5%	$405.3M+2.3%	$396.0M+3.4%	$382.9M+4.5%	$366.2M-6.1%	$389.9M-8.4%	$425.8M-0.2%	$426.8M+132.8%	$183.3M+6.8%	$171.6M
SG&A Expenses	$165.5M	$162.4M+1.7%	$159.7M+2.5%	$155.8M+9.0%	$142.9M+7.1%	$133.4M+0.4%	$132.9M+61.1%	$82.5M+7.9%	$76.5M-4.0%	$79.8M+3.9%	$76.8M-2.8%	$79.0M-7.4%	$85.3M-7.3%	$92.0M+100.9%	$45.8M+0.5%	$45.6M
Interest Expense	$170.1M	$172.5M+6.6%	$161.8M+83.9%	$88.0M+162.8%	$33.5M-19.9%	$41.8M-35.6%	$64.9M+27.3%	$51.0M+14.5%	$44.5M+7.4%	$41.5M-27.4%	$57.2M-17.4%	$69.2M-9.9%	$76.8M-8.5%	$84.0M-18.9%	$103.5M-33.4%	$155.5M
Income Tax	$31.6M	$29.0M-47.8%	$55.6M-33.3%	$83.4M+7.1%	$77.9M+13.8%	$68.5M+233.9%	$20.5M-4.3%	$21.4M-55.8%	$48.4M+213.3%	$15.4M-40.6%	$26.0M+248.1%	-$17.6M-147.1%	$37.3M+527.7%	-$8.7M-363.8%	$3.3M+281.2%	$866K
Net Income	$220.4M	$205.1M+3.5%	$198.2M+9.0%	$181.9M+9.4%	$166.2M+13.7%	$146.2M+96.6%	$74.3M+38.0%	$53.8M-36.2%	$84.4M+60.3%	$52.6M-11.0%	$59.2M+2463.7%	-$2.5M-102.9%	$85.2M-13.5%	$98.4M+300.9%	$24.6M-28.7%	$34.5M
EPS (Basic)	N/A	$4.60+8.2%	$4.25+10.4%	$3.85+11.3%	$3.46+21.4%	$2.85+115.9%	$1.32+43.5%	$0.92-42.1%	$1.59+80.7%	$0.88-14.6%	$1.03+378.4%	-$0.37-123.4%	$1.58-14.6%	$1.85+428.6%	$0.35-47.8%	$0.67
EPS (Diluted)	$5.08	$4.58+8.3%	$4.23+10.4%	$3.83+11.3%	$3.44+22.4%	$2.81+112.9%	$1.32+43.5%	$0.92-39.5%	$1.52+72.7%	$0.88-14.6%	$1.03	-$0.37	$1.50-13.3%	$1.73+394.3%	$0.35-47.8%	$0.67
Diluted Shares (Avg)	N/A	45M-4.6%	47M-1.4%	48M-1.8%	48M-5.7%	51M-0.4%	52M-0.3%	52M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$190.3M+4.4%	$186.0M+4.1%	$184.3M+0.9%	$186.2M+6.5%	$182.4M+1.4%	$178.6M+2.4%	$182.7M+0.2%	$174.7M+1.3%
SG&A Expenses	$41.2M+4.1%	$41.3M+3.5%	$43.1M+0.3%	$39.8M+3.6%	$39.6M+2.9%	$39.9M+0.3%	$43.0M+3.7%	$38.5M+1.0%
Interest Expense	$39.9M-6.1%	$40.3M+0.4%	$44.5M+8.4%	$45.4M+10.4%	$42.4M+5.2%	$40.2M+2.1%	$41.0M+25.6%	$41.2M+72.0%
Income Tax	$15.7M+11.6%	$14.9M+7.1%	-$8.5M-447.3%	$9.5M-35.5%	$14.1M-30.1%	$13.9M-23.9%	$2.4M-88.8%	$14.8M-29.7%
Net Income	$58.8M+13.5%	$53.9M+18.4%	$55.9M+11.0%	$51.8M+10.3%	$51.8M+1.3%	$45.6M-8.3%	$50.3M+8.0%	$47.0M+4.7%
EPS (Basic)	$1.39+20.9%	$1.26+24.8%	$1.27+15.5%	$1.17+15.8%	$1.15+5.5%	$1.01-4.7%	$1.10+11.1%	$1.01+6.3%
EPS (Diluted)	$1.39+20.9%	$1.26+26.0%	$1.27+16.5%	$1.16+16.0%	$1.15+6.5%	$1.00-4.8%	$1.09+10.1%	$1.00+5.3%
Diluted Shares (Avg)	42M-5.9%	43M-5.6%	N/A	45M-4.7%	45M-4.5%	46M-3.9%	N/A	47M-1.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

OFG Balance Sheet

OFG quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$12.5B+8.4%	$11.5B+1.4%	$11.3B+15.5%	$9.8B-0.8%	$9.9B+0.8%	$9.8B+5.7%	$9.3B+41.2%	$6.6B+6.4%	$6.2B-4.8%	$6.5B-8.4%	$7.1B-4.7%	$7.4B-8.7%	$8.2B-11.4%	$9.2B+37.6%	$6.7B
Cash & Equivalents	$1.0B+76.0%	$591.1M-21.0%	$748.2M+36.0%	$550.3M-72.8%	$2.0B-6.1%	$2.2B+153.0%	$851.3M+90.4%	$447.0M-7.9%	$485.2M-4.9%	$510.4M-4.9%	$536.7M-6.4%	$573.4M-7.7%	$621.3M-27.4%	$855.2M+44.6%	$591.5M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M-2.1%	$86.1M0.0%	$86.1M0.0%	$86.1M0.0%	$86.1M0.0%	$86.1M0.0%	$86.1M0.0%	$86.1M0.0%	$86.1M0.0%	$86.1M0.0%	$86.1M+3086.6%	$2.7M
Total Liabilities	$11.1B+8.1%	$10.2B+0.9%	$10.2B+15.7%	$8.8B-0.6%	$8.8B+1.0%	$8.7B+5.9%	$8.3B+47.8%	$5.6B+6.5%	$5.2B-6.0%	$5.6B-10.0%	$6.2B-4.7%	$6.5B-10.5%	$7.3B-12.9%	$8.3B+39.2%	$6.0B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$105.8M
Total Equity	$1.4B+10.8%	$1.3B+5.1%	$1.2B+14.5%	$1.0B-2.5%	$1.1B-1.5%	$1.1B+3.9%	$1.0B+4.6%	$999.9M+5.8%	$945.1M+2.7%	$920.4M+2.6%	$897.1M-4.8%	$942.2M+6.5%	$884.9M+2.5%	$863.6M+24.2%	$695.6M
Retained Earnings	$904.6M+17.2%	$772.0M+20.8%	$639.3M+23.8%	$516.4M+29.1%	$399.9M+33.3%	$300.1M+7.3%	$279.6M+10.5%	$253.0M+26.0%	$200.9M+13.0%	$177.8M+19.4%	$148.9M-17.8%	$181.2M+35.6%	$133.6M+88.9%	$70.7M+3.8%	$68.1M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$12.2B-0.6%	$12.0B+2.7%	$12.5B+8.4%	$12.2B+6.7%	$12.2B+8.6%	$11.7B+5.1%	$11.5B+1.4%	$11.5B+11.7%
Cash & Equivalents	$745.7M-12.5%	$636.5M-10.4%	$1.0B+76.0%	$740.3M+8.8%	$851.8M+15.0%	$710.6M-5.8%	$591.1M-21.0%	$680.6M+27.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%
Total Liabilities	$10.7B-1.4%	$10.7B+2.4%	$11.1B+8.1%	$10.9B+7.0%	$10.9B+8.6%	$10.4B+4.9%	$10.2B+0.9%	$10.1B+10.7%
Total Equity	$1.4B+5.5%	$1.4B+5.5%	$1.4B+10.8%	$1.4B+4.3%	$1.3B+8.7%	$1.3B+6.6%	$1.3B+5.1%	$1.3B+20.3%
Retained Earnings	$976.9M+17.3%	$938.3M+17.0%	$904.6M+17.2%	$866.8M+17.5%	$833.2M+17.9%	$802.0M+19.3%	$772.0M+20.8%	$737.8M+21.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

OFG Cash Flow Statement

OFG quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$225.0M	$217.7M-13.8%	$252.5M-14.6%	$295.7M+79.8%	$164.5M+64.4%	$100.0M+186.2%	$35.0M-68.1%	$109.6M-17.8%	$133.4M-11.9%	$151.4M+92.9%	$78.5M-19.1%	$97.1M-44.5%	$175.0M+0.7%	$173.8M+246.0%	$50.2M+226.5%	-$39.7M
Depreciation & Amortization	N/A	$20.5M-2.0%	$20.9M+2.4%	$20.4M-16.1%	$24.3M+1.7%	$23.9M+0.6%	$23.8M+145.8%	$9.7M-5.4%	$10.2M-2.4%	$10.5M-5.5%	$11.1M+1.6%	$10.9M-11.8%	$12.4M-3.9%	$12.9M+156.0%	$5.0M-10.9%	$5.6M
Stock-Based Compensation	N/A	$6.2M-13.0%	$7.2M+43.4%	$5.0M+19.5%	$4.2M-33.0%	$6.2M+187.8%	$2.2M+1.7%	$2.1M+52.3%	$1.4M+26.3%	$1.1M-12.7%	$1.3M-22.4%	$1.6M+58.0%	$1.0M-43.2%	$1.8M+17.5%	$1.6M+18.5%	$1.3M
Capital Expenditures	$22.4M	$18.4M-13.8%	$21.3M+19.5%	$17.9M-42.4%	$31.0M+34.5%	$23.1M+51.0%	$15.3M+17.7%	$13.0M+12.8%	$11.5M+77.6%	$6.5M+22.1%	$5.3M+0.3%	$5.3M-33.2%	$7.9M-13.3%	$9.1M+373.3%	$1.9M-43.1%	$3.4M
Free Cash Flow	$202.7M	$199.3M-13.8%	$231.2M-16.8%	$277.8M+108.2%	$133.5M+73.3%	$77.0M+290.9%	$19.7M-79.6%	$96.7M-20.7%	$121.9M-15.9%	$145.0M+98.0%	$73.2M-20.2%	$91.8M-45.1%	$167.1M+1.5%	$164.7M+240.9%	$48.3M+212.1%	-$43.1M
Investing Cash Flow	-$85.9M	-$438.4M-30.5%	-$336.0M+76.1%	-$1.4B+7.2%	-$1.5B-727.0%	-$182.9M-124.1%	$757.5M-10.1%	$842.2M+272.3%	-$488.8M-360.9%	$187.3M-67.0%	$568.1M+271.2%	$153.0M	N/A	$787.3M-64.6%	$2.2B+159.3%	$857.9M
Financing Cash Flow	-$245.3M	$669.9M+1010.7%	-$73.6M-105.6%	$1.3B+1147.9%	-$124.7M-154.3%	-$49.0M-109.6%	$510.4M+192.9%	-$549.1M-273.1%	$317.2M+187.2%	-$364.0M+45.9%	-$672.8M-134.6%	-$286.8M	N/A	-$1.1B+43.6%	-$2.0B-199.5%	-$667.0M
Dividends Paid	$54.8M	$51.9M+13.6%	$45.6M+11.3%	$41.0M+36.3%	$30.1M+52.6%	$19.7M+37.1%	$14.4M0.0%	$14.4M+12.3%	$12.8M+21.3%	$10.6M+4.1%	$10.1M-42.9%	$17.8M+22.7%	$14.5M+34.2%	$10.8M+7.2%	$10.1M+10.0%	$9.2M
Share Buybacks	$105.0M	$91.6M+30.2%	$70.3M+277.0%	$18.7M-70.9%	$64.1M+28.5%	$49.9M+2140.4%	$2.2M	$0	$0	$0	$0-100.0%	$8.9M-47.2%	$16.9M	$0-100.0%	$7.0M-88.1%	$58.8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$53.2M+48.0%	$73.1M-12.0%	$59.2M+54.7%	$39.5M-32.1%	$35.9M-62.2%	$83.1M+36.2%	$38.3M-64.4%	$58.1M-34.5%
Depreciation & Amortization	$4.9M-4.5%	$4.8M-5.2%	$5.0M+3.4%	$5.3M-2.8%	$5.1M-4.3%	$5.1M-3.8%	$4.8M	$5.4M
Stock-Based Compensation	N/A	$1.4M-14.2%	N/A	N/A	N/A	$1.6M+38.6%	N/A	N/A
Capital Expenditures	$8.1M+96.0%	$4.4M+0.1%	$5.9M+45.4%	$4.0M-37.5%	$4.1M-12.0%	$4.3M-29.7%	$4.1M-35.1%	$6.4M+61.3%
Free Cash Flow	$45.1M+41.8%	$68.8M-12.6%	$53.3M+55.8%	$35.5M-31.4%	$31.8M-64.8%	$78.7M+43.6%	$34.2M-66.2%	$51.8M-39.0%
Investing Cash Flow	-$52.3M+83.1%	-$1.4M+98.6%	$27.9M+113.5%	-$60.1M+67.8%	-$308.9M-191.4%	-$97.3M-159.5%	-$206.8M+75.8%	-$186.7M+67.4%
Financing Cash Flow	$108.3M-73.9%	-$475.6M-455.7%	$212.9M+169.2%	-$90.9M-232.2%	$414.1M+13615.7%	$133.7M+161.3%	$79.1M-91.8%	$68.7M-68.4%
Dividends Paid	$14.9M+9.7%	$13.1M+14.0%	$13.4M+14.9%	$13.5M+15.1%	$13.6M+13.9%	$11.5M+10.3%	$11.6M+10.2%	$11.7M+13.2%
Share Buybacks	$0-100.0%	$44.5M+90.1%	$40.1M-12.7%	$20.4M+19514.4%	$7.7M-68.3%	$23.4M	$45.9M	$104K-95.2%

OFG Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OFG quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	28.0%+0.2pp	27.9%+1.5pp	26.4%-0.7pp	27.1%0.0pp	27.0%+13.1pp	14.0%+0.7pp	13.3%-8.0pp	21.3%+7.6pp	13.8%-2.4pp	16.2%+16.8pp	-0.6%-20.6pp	20.0%-3.1pp	23.1%+9.7pp	13.4%-6.7pp	20.1%
Return on Equity	14.8%-1.0pp	15.8%+0.6pp	15.2%-0.7pp	16.0%+2.3pp	13.7%+6.8pp	6.8%+1.7pp	5.1%-3.3pp	8.4%+2.9pp	5.6%-0.9pp	6.4%+6.7pp	-0.3%-9.3pp	9.0%-2.1pp	11.1%+8.3pp	2.8%-2.1pp	5.0%
Return on Assets	1.7%-0.1pp	1.7%+0.1pp	1.6%-0.1pp	1.7%+0.2pp	1.5%+0.7pp	0.8%+0.2pp	0.6%-0.7pp	1.3%+0.4pp	0.9%-0.1pp	0.9%+0.9pp	0.0%-1.2pp	1.1%-0.1pp	1.2%+0.9pp	0.3%-0.2pp	0.5%
Debt-to-Equity	7.97-0.2x	8.17-0.3x	8.51+0.1x	8.42+0.2x	8.26+0.2x	8.05+0.2x	7.89+2.3x	5.580.0x	5.55-0.5x	6.06-0.8x	6.910.0x	6.91-1.3x	8.22+8.2x	0.00-0.2x	0.15
Asset Turnover	0.060.0x	0.060.0x	0.060.0x	0.060.0x	0.050.0x	0.050.0x	0.040.0x	0.060.0x	0.060.0x	0.060.0x	0.050.0x	0.060.0x	0.050.0x	0.020.0x	0.03
FCF Margin	27.3%-5.2pp	32.5%-7.8pp	40.3%+18.6pp	21.7%+7.5pp	14.2%+10.5pp	3.7%-20.1pp	23.8%-6.9pp	30.8%-7.1pp	37.9%+17.9pp	20.0%-3.6pp	23.5%-15.7pp	39.2%+0.7pp	38.6%+12.2pp	26.4%+51.5pp	-25.1%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	30.9%+2.5pp	29.0%+3.5pp	30.3%+2.8pp	27.8%+0.9pp	28.4%0.0pp	25.5%-3.0pp	27.6%+2.0pp	26.9%+0.9pp
Return on Equity	4.2%+0.3pp	4.0%+0.4pp	4.0%0.0pp	3.8%+0.2pp	3.9%-0.3pp	3.5%-0.6pp	4.0%+0.1pp	3.6%-0.5pp
Return on Assets	0.5%+0.1pp	0.4%+0.1pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%-0.1pp	0.4%0.0pp	0.4%0.0pp
Debt-to-Equity	7.64-0.5x	7.81-0.2x	7.97-0.2x	7.89+0.2x	8.170.0x	8.05-0.1x	8.17-0.3x	7.70-0.7x
Asset Turnover	0.020.0x	0.020.0x	0.010.0x	0.020.0x	0.010.0x	0.020.0x	0.020.0x	0.020.0x
FCF Margin	23.7%+6.3pp	37.0%-7.1pp	28.9%+10.2pp	19.1%-10.6pp	17.4%-32.8pp	44.1%+12.7pp	18.7%-36.8pp	29.6%-19.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
OFG BANCORP OFG	FY2025	$731.4M	$205.1M	28.0%	$2.1B	56/100
First Commonwealth Financial Corporation FCF	FY2025	$522.9M	$152.3M	29.1%	$2.0B	63/100
Veritex Holdings, Inc. VBTX	FY2024	$425.6M	$107.2M	25.2%	$1.7B	48/100
Northwest Bancshares, Inc NWBI	FY2025	$654.7M	$126.0M	19.3%	$2.2B	48/100
City Holding Co CHCO	FY2025	$314.2M	$130.5M	41.5%	$2.0B	59/100
Pathward Financial, Inc. CASH	FY2025	$839.9M	$185.9M	22.1%	$1.5B	55/100

Where OFG BANCORP Ranks

Frequently Asked Questions

What is OFG BANCORP's annual revenue?

OFG BANCORP (OFG) reported $731.4M in total revenue for fiscal year 2025. This represents a 2.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is OFG BANCORP's revenue growing?

OFG BANCORP (OFG) revenue grew by 2.8% year-over-year, from $711.7M to $731.4M in fiscal year 2025.

Is OFG BANCORP profitable?

Yes, OFG BANCORP (OFG) reported a net income of $205.1M in fiscal year 2025, with a net profit margin of 28.0%.

What is OFG BANCORP's net profit margin?

OFG BANCORP (OFG) had a net profit margin of 28.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does OFG BANCORP pay dividends?

Yes, OFG BANCORP (OFG) paid $0.30 per share in dividends during fiscal year 2025.

What is OFG BANCORP's return on equity (ROE)?

OFG BANCORP (OFG) has a return on equity of 14.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is OFG BANCORP's free cash flow?

OFG BANCORP (OFG) generated $199.3M in free cash flow during fiscal year 2025. This represents a -13.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is OFG BANCORP's operating cash flow?

OFG BANCORP (OFG) generated $217.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are OFG BANCORP's total assets?

OFG BANCORP (OFG) had $12.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are OFG BANCORP's capital expenditures?

OFG BANCORP (OFG) invested $18.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does OFG BANCORP buy back shares?

Yes, OFG BANCORP (OFG) spent $91.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does OFG BANCORP have outstanding?

OFG BANCORP (OFG) had 43M shares outstanding as of fiscal year 2025.

What is OFG BANCORP's debt-to-equity ratio?

OFG BANCORP (OFG) had a debt-to-equity ratio of 7.97 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is OFG BANCORP's return on assets (ROA)?

OFG BANCORP (OFG) had a return on assets of 1.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is OFG BANCORP's P/E ratio?

OFG BANCORP (OFG) trades at 9.7x earnings, its market capitalization divided by net income of $220.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.1B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is OFG BANCORP's price-to-sales ratio?

OFG BANCORP (OFG) trades at 2.9x sales, its market capitalization divided by revenue of $746.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.1B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is OFG BANCORP's Piotroski F-Score?

OFG BANCORP (OFG) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are OFG BANCORP's earnings high quality?

OFG BANCORP (OFG) has an earnings quality ratio of 1.06x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is OFG BANCORP?

OFG BANCORP (OFG) scores 56 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.