OFG Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	613.21	608.47	588.44	560.87	482.08	407.37
Net Interest Income Growth	3.34%	3.40%	4.92%	16.34%	18.34%	-0.26%
Non-Interest Income	125.63	122.98	123.25	128.38	131.69	133.21
Non-Interest Income Growth	2.62%	-0.22%	-4.00%	-2.51%	-1.14%	7.12%
Revenues Before Loan Losses	738.84	731.44	711.69	689.25	613.77	540.58
Provision for Credit Losses	72.42	107.51	82.25	60.64	24.12	0.22
Revenue	666.42	623.93	629.44	628.61	589.65	540.36
Revenue Growth (YoY)	-1.21%	-0.88%	0.13%	6.61%	9.12%	22.78%
Compensation Expenses	163.84	162.43	159.71	155.83	142.93	133.44
Selling, General & Admin	218.34	215.13	200.86	195.84	185.75	174.66
Other Non-Interest Expenses	8.89	12.25	15.12	11.69	16.86	17.66
Total Non-Interest Expense	391.06	389.81	375.69	363.37	345.55	325.76
Pretax Income	243.46	234.12	253.75	265.25	244.11	214.6
Provision for Income Taxes	30	29.01	55.58	83.38	77.87	68.45
Net Income	213.47	205.1	198.17	181.87	166.24	144.9
Net Income Attributable to Preferred Dividends	-	-	-	-	-	1.26
Net Income to Common	213.47	205.1	198.17	181.87	166.24	144.9
Net Income Growth	10.01%	3.50%	8.96%	9.40%	14.73%	113.66%
Shares Outstanding (Basic)	11	45	47	47	48	51
Shares Outstanding (Diluted)	11	45	47	48	48	51
Shares Change (YoY)	-76.80%	-4.57%	-1.37%	-1.82%	-5.71%	-0.36%
EPS (Basic)	4.86	4.60	4.25	3.85	3.46	2.85
EPS (Diluted)	4.84	4.58	4.23	3.83	3.44	2.81
EPS Growth	16.07%	8.27%	10.44%	11.34%	22.42%	112.88%
Shares Outstanding	42.26	43.26	45.44	47.07	47.58	49.64
Free Cash Flow	189.38	199.34	231.16	277.8	133.46	76.99
Free Cash Flow Growth	-5.00%	-13.77%	-16.79%	108.16%	73.34%	290.88%
Free Cash Flow Per Share	17.58	4.45	4.93	5.84	2.76	1.50
Dividends Per Share	1.250	1.200	1.000	0.880	0.700	0.400
Dividend Growth	4.17%	20.00%	13.64%	25.71%	75.00%	42.86%
Profit Margin	32.03%	32.87%	31.48%	28.93%	28.19%	27.05%
FCF Margin	28.42%	31.95%	36.73%	44.19%	22.63%	14.25%
EBITDA	24.87	25.39	26.79	27.29	24.31	23.93
EBITDA Margin	3.73%	4.07%	4.26%	4.34%	4.12%	4.43%
Effective Tax Rate	12.32%	12.39%	21.90%	31.43%	31.90%	31.90%

Updated May 9, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q