OFG Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	608.47	588.44	560.87	482.08	407.37
Net Interest Income Growth	3.40%	4.92%	16.34%	18.34%	-0.26%
Non-Interest Income	122.98	123.25	128.38	131.69	133.21
Non-Interest Income Growth	-0.22%	-4.00%	-2.51%	-1.14%	7.12%
Revenues Before Loan Losses	731.44	711.69	689.25	613.77	540.58
Provision for Credit Losses	107.51	82.25	60.64	24.12	0.22
Revenue	623.93	629.44	628.61	589.65	540.36
Revenue Growth (YoY)	-0.88%	0.13%	6.61%	9.12%	22.78%
Compensation Expenses	162.43	159.71	155.83	142.93	133.44
Selling, General & Admin	226.36	212.97	207.94	204.69	195.32
Other Non-Interest Expenses	1.03	3.01	-0.41	-2.07	-
Total Non-Interest Expense	389.81	375.69	363.37	345.55	325.76
Pretax Income	234.12	253.75	265.25	244.11	214.6
Provision for Income Taxes	29.01	55.58	83.38	77.87	68.45
Net Income	205.1	198.17	181.87	166.24	144.9
Net Income Attributable to Preferred Dividends	-	-	-	-	1.26
Net Income to Common	205.1	198.17	181.87	166.24	144.9
Net Income Growth	3.50%	8.96%	9.40%	14.73%	113.66%
Shares Outstanding (Basic)	45	47	47	48	51
Shares Outstanding (Diluted)	45	47	48	48	51
Shares Change (YoY)	-4.57%	-1.37%	-1.82%	-5.71%	-0.36%
EPS (Basic)	4.60	4.25	3.85	3.46	2.85
EPS (Diluted)	4.58	4.23	3.83	3.44	2.81
EPS Growth	8.27%	10.44%	11.34%	22.42%	112.88%
Free Cash Flow	199.34	231.16	277.8	133.46	76.99
Free Cash Flow Growth	-13.77%	-16.79%	108.16%	73.34%	290.88%
Free Cash Flow Per Share	4.45	4.93	5.84	2.76	1.50
Dividends Per Share	1.200	1.000	0.880	0.700	0.400
Dividend Growth	20.00%	13.64%	25.71%	75.00%	42.86%
Profit Margin	39.72%	36.22%	32.02%	28.19%	27.05%
FCF Margin	38.60%	42.25%	48.91%	22.63%	14.25%
EBITDA	25.39	26.79	27.29	24.31	23.93
EBITDA Margin	4.92%	4.90%	4.80%	4.12%	4.43%
Effective Tax Rate	12.39%	21.90%	31.43%	31.90%	31.90%

Updated Jan 22, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q