OFG BANCORP financials
$50.47−1.43%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $903.9M | $873.5M | $777.3M | $647.2M | $582.4M | $597.7M | $456.3M | $440.5M | $424.3M | $411.2M |
| Gross profit | $731.4M | $711.7M | $689.3M | $613.7M | $540.6M | $532.8M | $405.3M | $396.0M | $382.9M | $354.0M |
| Gross margin | 80.9% | 81.5% | 88.7% | 94.8% | 92.8% | 89.1% | 88.8% | 89.9% | 90.2% | 86.1% |
| Operating income | $234.1M | $253.7M | $265.2M | $244.1M | $214.6M | $94.8M | $75.3M | $132.8M | $68.1M | $85.2M |
| Net income | $205.1M | $198.2M | $181.9M | $166.2M | $144.9M | $67.8M | $47.3M | $77.9M | $46.1M | $52.7M |
| Net margin | 22.7% | 22.7% | 23.4% | 25.7% | 24.9% | 11.3% | 10.4% | 17.7% | 10.9% | 12.8% |
| Diluted EPS | $4.58 | $4.23 | $3.83 | $3.44 | $2.81 | $1.32 | $0.92 | $1.52 | $0.90 | $1.03 |
| EBITDA | $234.1M | $253.7M | $265.2M | $244.1M | $214.6M | $110.9M | $99.3M | $132.8M | $68.1M | $85.2M |
| Operating cash flow | $217.7M | $252.5M | $295.7M | $164.5M | $100.0M | $35.0M | $109.6M | $133.4M | $151.4M | $92.3M |
| Free cash flow | $200.8M | $231.2M | $277.8M | $138.2M | $77.6M | $19.7M | $98.9M | $123.5M | $145.5M | $87.1M |
| Diluted shares | 44.8M | 46.9M | 47.6M | 48.4M | 51.4M | 51.6M | 51.7M | 51.3M | 51.1M | 51.1M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.04B | $584.5M | $748.2M | $550.3M | $2.02B | $2.15B |
| Short-term investments | $2.85B | $2.73B | $2.69B | $1.97B | $896.0M | $460.1M |
| Total debt | $456.6M | $326.0M | $200.8M | $27.0M | $64.6M | $102.4M |
| Total assets | $12.47B | $11.50B | $11.34B | $9.82B | $9.90B | $9.83B |
| Total liabilities | $11.08B | $10.25B | $10.15B | $8.78B | $8.83B | $8.74B |
| Shareholders' equity | $1.39B | $1.25B | $1.19B | $1.04B | $1.07B | $1.09B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology