OFG

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OFG Bancorp

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Key Metrics

Previous Close: $51.61
52-Week Range: $35.71 – $54.47
Market Cap: $2.19B
P/E (TTM): 10.21
EPS (TTM): 5.07
Dividend Yield: 2.62%

Advanced Metrics

Price/Book: 1.56
PEG Ratio: 0.92
Return on Equity: 16.08%
Return on Assets: 1.81%
Gross Margin: 0.00%
Operating Margin: 43.32%
Profit Margin: 33.85%
Current Ratio: —
Debt/Equity: —
Total Debt: $577.99M
Free Cash Flow: —
Revenue Growth: 10.40%
Earnings Growth: 20.90%
Enterprise Value: $2.01B

OFG Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$565.01M	$640.14M	$660.94M	$680.22M
Selling, General & Admin	$161.07M	$176.42M	$178.53M	$186.57M
Pretax Income	$244.10M	$265.25M	$253.75M	$234.12M
Income Tax	$77.87M	$83.38M	$55.58M	$29.01M
Net Income	$166.24M	$181.87M	$198.17M	$205.10M
Diluted EPS	3.44	3.83	4.23	4.58
Diluted Shares	48.44M	47.55M	46.90M	44.76M

OFG Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$550.31M	$748.17M	$591.14M	$1.04B
Receivables	$62.40M	$71.40M	$71.67M	—
Total Assets	$9.82B	$11.34B	$11.50B	$12.47B
Long-Term Debt	$318.00K	$200.00M	$55.00M	$400.01M
Total Debt	$54.40M	$224.80M	$347.34M	$479.75M
Total Liabilities	$8.78B	$10.15B	$10.25B	$11.08B
Retained Earnings	$516.37M	$639.32M	$771.99M	$904.63M
Shareholders' Equity	$1.04B	$1.19B	$1.25B	$1.39B

OFG Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$164.46M	$295.66M	$252.50M	$217.72M
Capital Expenditure	-$31.00M	-$17.86M	-$41.71M	-$18.38M
Free Cash Flow	$133.46M	$277.80M	$210.79M	$199.34M
Depreciation & Amortisation	$24.31M	$27.29M	$26.79M	$25.39M
Stock-Based Compensation	$4.18M	$5.00M	$7.17M	$6.24M
Investing Cash Flow	-$1.51B	-$1.40B	-$335.98M	-$438.38M
Financing Cash Flow	-$124.70M	$1.31B	-$73.56M	$669.86M
Dividends Paid	-$30.09M	-$41.01M	-$45.65M	-$51.87M
Share Repurchases	-$64.11M	-$18.65M	-$70.32M	-$91.60M
Net Change in Cash	-$1.47B	$197.71M	-$157.04M	$449.20M

OFG Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$167.91M	$171.23M	$174.39M	$174.81M	—
Selling, General & Admin	$45.13M	$45.73M	$49.68M	$47.55M	—
Pretax Income	$65.88M	$61.37M	$47.42M	$68.79M	—
Income Tax	$14.08M	$9.53M	-$8.47M	$14.86M	—
Net Income	$51.80M	$51.84M	$55.89M	$53.94M	—
Diluted EPS	1.15	1.16	1.27	1.26	1.39
Diluted Shares	44.85M	44.69M	43.90M	42.96M	42.26M

OFG Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$710.60M	$851.80M	$740.35M	$1.04B	$636.50M
Receivables	$70.03M	$62.62M	$59.68M	—	—
Total Assets	$11.73B	$12.23B	$12.23B	$12.47B	$12.05B
Long-Term Debt	$255.00M	$455.00M	$400.00M	$400.01M	$400.00M
Total Debt	$276.44M	$475.88M	$481.21M	$479.75M	$478.67M
Total Liabilities	$10.43B	$10.90B	$10.85B	$11.08B	$10.68B
Retained Earnings	$802.02M	$833.19M	$866.83M	$904.63M	$938.35M
Shareholders' Equity	$1.30B	$1.33B	$1.38B	$1.39B	$1.37B
Net Debt	$20.64M	$72.13M	$193.68M	—	—

OFG Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$83.07M	$35.93M	$39.50M	$59.21M	$73.12M
Capital Expenditure	-$4.35M	-$4.15M	-$3.99M	-$5.90M	-$4.36M
Free Cash Flow	$78.72M	$31.78M	$35.52M	$53.32M	$68.77M
Depreciation & Amortisation	$6.32M	$6.32M	$6.51M	$6.24M	$5.80M
Stock-Based Compensation	$1.61M	$1.53M	$1.46M	$1.62M	$1.39M
Investing Cash Flow	-$97.32M	-$308.86M	-$60.08M	$27.88M	-$1.39M
Financing Cash Flow	$133.71M	$414.12M	-$90.87M	$212.90M	-$475.56M
Dividends Paid	-$11.45M	-$13.57M	-$13.49M	-$13.36M	-$13.06M
Share Repurchases	-$23.39M	-$7.70M	-$20.40M	-$40.11M	-$44.47M
Net Change in Cash	$119.46M	$141.20M	-$111.45M	$299.99M	-$403.84M

Market Snapshot

About

Financial holding company providing banking and financial services primarily in Puerto Rico and the U.S. Virgin Islands. Operating through its subsidiary Oriental Bank, the company offers retail and commercial banking, wealth management, and treasury services to individual and corporate clients.