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 Financials

OFG

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows OFG Bancorp (OFG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Financial Health Signals

Financial Profile 43/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

OFG Bancorp's revenue grew a modest 4.1% year-over-year to $780.9M. This slow but positive growth earns a score of 40/100.

Leverage

OFG Bancorp has elevated debt relative to equity (D/E of 7.97), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

OFG Bancorp converts 25.5% of revenue into free cash flow ($199.3M). This strong cash generation earns a score of 89/100.

Returns

OFG Bancorp's ROE of 14.8% shows moderate profitability relative to equity, earning a score of 44/100. This is down from 15.8% the prior year.

Piotroski F-Score Neutral

4/9

OFG Bancorp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 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

$780.9M

YoY+4.1%

5Y CAGR+10.5%

10Y CAGR+6.7%

OFG Bancorp generated $780.9M in revenue in fiscal year 2025. This represents an increase of 4.1% from the prior year.

EBITDA

N/A

Net Income

$205.1M

YoY+3.5%

5Y CAGR+22.5%

OFG Bancorp reported $205.1M in net income in fiscal year 2025. This represents an increase of 3.5% from the prior year.

EPS (Diluted)

$4.58

YoY+8.3%

5Y CAGR+28.3%

OFG Bancorp earned $4.58 per diluted share (EPS) in fiscal year 2025. This represents an increase of 8.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$199.3M

YoY-13.8%

5Y CAGR+58.9%

10Y CAGR+8.1%

OFG Bancorp generated $199.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 13.8% from the prior year.

Cash & Debt

$1.0B

YoY+76.0%

5Y CAGR-13.5%

10Y CAGR+6.8%

OFG Bancorp held $1.0B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.20

YoY+20.0%

5Y CAGR+33.8%

10Y CAGR+12.8%

OFG Bancorp paid $1.20 per share in dividends in fiscal year 2025. This represents an increase of 20.0% from the prior year.

Shares Outstanding

43M

YoY-5.1%

5Y CAGR-3.5%

10Y CAGR-0.2%

OFG Bancorp had 43M shares outstanding in fiscal year 2025. This represents a decrease of 5.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

26.3%

YoY-0.2pp

5Y CAGR+10.6pp

10Y CAGR+26.9pp

OFG Bancorp's net profit margin was 26.3% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.2 percentage points from the prior year.

Return on Equity

14.8%

YoY-1.0pp

5Y CAGR+7.9pp

10Y CAGR+15.0pp

OFG Bancorp's ROE was 14.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$91.6M

YoY+30.2%

5Y CAGR+110.3%

10Y CAGR+26.2%

OFG Bancorp spent $91.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 30.2% from the prior year.

Capital Expenditures

$18.4M

YoY-13.8%

5Y CAGR+3.8%

10Y CAGR+13.3%

OFG Bancorp invested $18.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 13.8% from the prior year.

OFG Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$780.9M+4.1%	$750.3M+15.6%	$648.9M+25.9%	$515.6M+14.8%	$449.2M-5.1%	$473.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$172.5M+6.6%	$161.8M+83.9%	$88.0M+162.8%	$33.5M-19.9%	$41.8M-35.6%	$64.9M
Income Tax	$29.0M-47.8%	$55.6M-33.3%	$83.4M+7.1%	$77.9M+13.8%	$68.5M+233.9%	$20.5M
Net Income	$205.1M+3.5%	$198.2M+9.0%	$181.9M+9.4%	$166.2M+13.7%	$146.2M+96.6%	$74.3M
EPS (Diluted)	$4.58+8.3%	$4.23+10.4%	$3.83+11.3%	$3.44+22.4%	$2.81+112.9%	$1.32

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$197.2M-1.5%	$200.1M+3.0%	$194.3M+2.7%	$189.2M-0.5%	$190.2M+0.6%	$189.0M+0.7%	$187.7M+2.3%	$183.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$44.5M-2.1%	$45.4M+7.1%	$42.4M+5.6%	$40.2M-2.1%	$41.0M-0.3%	$41.2M+2.0%	$40.3M+2.6%	$39.3M
Income Tax	-$8.5M-188.9%	$9.5M-32.3%	$14.1M+1.5%	$13.9M+468.7%	$2.4M-83.5%	$14.8M-26.6%	$20.1M+10.4%	$18.2M
Net Income	$55.9M+7.8%	$51.8M+0.1%	$51.8M+13.7%	$45.6M-9.5%	$50.3M+7.1%	$47.0M-8.1%	$51.1M+2.9%	$49.7M
EPS (Diluted)	N/A	$1.16+0.9%	$1.15+15.0%	$1.00	N/A	$1.00-7.4%	$1.08+2.9%	$1.05

OFG Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$12.5B+8.4%	$11.5B+1.4%	$11.3B+15.5%	$9.8B-0.8%	$9.9B+0.8%	$9.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.0B+76.0%	$591.1M-21.0%	$748.2M+36.0%	$550.3M-72.8%	$2.0B-6.1%	$2.2B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M-2.1%	$86.1M0.0%	$86.1M
Total Liabilities	$11.1B+8.1%	$10.2B+0.9%	$10.2B+15.7%	$8.8B-0.6%	$8.8B+1.0%	$8.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.4B+10.8%	$1.3B+5.1%	$1.2B+14.5%	$1.0B-2.5%	$1.1B-1.5%	$1.1B
Retained Earnings	$904.6M+17.2%	$772.0M+20.8%	$639.3M+23.8%	$516.4M+29.1%	$399.9M+33.3%	$300.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$12.5B+1.9%	$12.2B0.0%	$12.2B+4.3%	$11.7B+2.0%	$11.5B+0.3%	$11.5B+1.8%	$11.3B+0.9%	$11.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.0B+40.5%	$740.3M-13.1%	$851.8M+19.9%	$710.6M+20.2%	$591.1M-13.1%	$680.6M-8.1%	$740.4M-1.9%	$754.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M0.0%	$84.2M
Total Liabilities	$11.1B+2.0%	$10.9B-0.4%	$10.9B+4.4%	$10.4B+1.8%	$10.2B+1.0%	$10.1B+1.1%	$10.0B+0.9%	$9.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.4B+1.1%	$1.4B+3.1%	$1.3B+3.0%	$1.3B+3.3%	$1.3B-4.8%	$1.3B+7.4%	$1.2B+1.0%	$1.2B
Retained Earnings	$904.6M+4.4%	$866.8M+4.0%	$833.2M+3.9%	$802.0M+3.9%	$772.0M+4.6%	$737.8M+4.4%	$706.8M+5.1%	$672.5M

OFG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$217.7M-13.8%	$252.5M-14.6%	$295.7M+79.8%	$164.5M+64.4%	$100.0M+186.2%	$35.0M
Capital Expenditures	$18.4M-13.8%	$21.3M+19.5%	$17.9M-42.4%	$31.0M+34.5%	$23.1M+51.0%	$15.3M
Free Cash Flow	$199.3M-13.8%	$231.2M-16.8%	$277.8M+108.2%	$133.5M+73.3%	$77.0M+290.9%	$19.7M
Investing Cash Flow	-$438.4M-30.5%	-$336.0M+76.1%	-$1.4B+7.2%	-$1.5B-727.0%	-$182.9M-124.1%	$757.5M
Financing Cash Flow	$669.9M+1010.7%	-$73.6M-105.6%	$1.3B+1147.9%	-$124.7M-154.3%	-$49.0M-109.6%	$510.4M
Dividends Paid	$51.9M+13.6%	$45.6M+11.3%	$41.0M+36.3%	$30.1M+52.6%	$19.7M+37.1%	$14.4M
Share Buybacks	$91.6M+30.2%	$70.3M+277.0%	$18.7M-70.9%	$64.1M+28.5%	$49.9M+2140.4%	$2.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$59.2M+49.9%	$39.5M+9.9%	$35.9M-56.7%	$83.1M+117.0%	$38.3M-34.2%	$58.1M-38.9%	$95.1M+55.9%	$61.0M
Capital Expenditures	$5.9M+47.9%	$4.0M-3.9%	$4.1M-4.6%	$4.3M+7.2%	$4.1M-36.4%	$6.4M+35.2%	$4.7M-23.7%	$6.2M
Free Cash Flow	$53.3M+50.1%	$35.5M+11.7%	$31.8M-59.6%	$78.7M+130.0%	$34.2M-33.9%	$51.8M-42.7%	$90.4M+64.9%	$54.8M
Investing Cash Flow	$27.9M+146.4%	-$60.1M+80.5%	-$308.9M-217.4%	-$97.3M+52.9%	-$206.8M-10.8%	-$186.7M-76.2%	-$106.0M-164.8%	$163.5M
Financing Cash Flow	$212.9M+334.3%	-$90.9M-121.9%	$414.1M+209.7%	$133.7M+69.1%	$79.1M+15.1%	$68.7M+2342.9%	-$3.1M+98.6%	-$218.3M
Dividends Paid	$13.4M-1.0%	$13.5M-0.6%	$13.6M+18.5%	$11.5M-1.5%	$11.6M-0.9%	$11.7M-1.6%	$11.9M+14.7%	$10.4M
Share Buybacks	$40.1M+96.6%	$20.4M+165.1%	$7.7M-67.1%	$23.4M-49.1%	$45.9M+44071.2%	$104K-99.6%	$24.3M	$0

OFG Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	26.3%-0.2pp	26.4%-1.6pp	28.0%-4.2pp	32.2%-0.3pp	32.5%+16.8pp	15.7%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.97-0.2	8.17-0.3	8.51+0.1	8.42+0.2	8.26+0.2	8.05
FCF Margin	25.5%-5.3pp	30.8%-12.0pp	42.8%+16.9pp	25.9%+8.8pp	17.1%+13.0pp	4.2%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.3%+2.4pp	25.9%-0.8pp	26.7%+2.6pp	24.1%-2.4pp	26.5%+1.6pp	24.9%-2.4pp	27.3%+0.2pp	27.1%
Return on Equity	4.0%+0.3pp	3.8%-0.1pp	3.9%+0.4pp	3.5%-0.5pp	4.0%+0.4pp	3.6%-0.6pp	4.2%+0.1pp	4.1%
Return on Assets	0.4%+0.0pp	0.4%0.0pp	0.4%+0.0pp	0.4%-0.1pp	0.4%+0.0pp	0.4%-0.0pp	0.4%0.0pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.97+0.1	7.89-0.3	8.17+0.1	8.05-0.1	8.17+0.5	7.70-0.5	8.170.0	8.18
FCF Margin	27.0%+9.3pp	17.8%+1.4pp	16.4%-25.2pp	41.6%+23.6pp	18.0%-9.4pp	27.4%-20.8pp	48.2%+18.3pp	29.9%

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Frequently Asked Questions

What is OFG Bancorp's annual revenue?

OFG Bancorp (OFG) reported $780.9M in total revenue for fiscal year 2025. This represents a 4.1% 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 4.1% year-over-year, from $750.3M to $780.9M 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 26.3%.

What is OFG Bancorp's net profit margin?

OFG Bancorp (OFG) had a net profit margin of 26.3% 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 $1.20 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 Piotroski F-Score?

OFG Bancorp (OFG) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. 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 7–9 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 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.