OFG Bancorp (OFG)

OFG Bancorp Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	205.1	198.17	181.87	166.24	146.15
Depreciation & Amortization	25.39	26.79	27.29	24.31	23.93
Provision for Credit Losses	107.51	82.25	60.64	24.12	0.22
Stock-Based Compensation	6.24	7.17	5	4.19	6.25
Net Change in Loans Held-for-Sale	-81.83	-42.05	-32.06	-88.28	-133
Other Adjustments	-155.64	15.46	52.21	40.4	40.17
Changes in Accrued Interest and Accounts Receivable	0.61	-0.25	-8.94	-5.83	9.54
Changes in Accounts Payable	3.45	0.52	3	0.03	-0.86
Changes in Accrued Expenses	46.91	-4.76	0.28	-34.15	18.38
Changes in Other Operating Activities	59.98	-30.81	6.37	33.42	-10.73
Operating Cash Flow	217.72	252.5	295.66	164.46	100.04
Operating Cash Flow Growth	-13.78%	-14.60%	79.78%	64.38%	186.17%
Net Change in Loans Held-for-Investment	-489.01	-362.88	-860.17	-473.01	92.69
Net Change in Securities and Investments	13.69	0.06	-586.84	-1,064	-298.1
Capital Expenditures	-18.38	-21.34	-17.86	-31	-23.05
Sale of Property, Plant & Equipment	55.32	48.18	60.12	54.65	45.54
Investing Cash Flow	-438.38	-335.98	-1,405	-1,513	-182.93
Net Change in Deposits	661.85	-153.22	1,195	6.91	152.7
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	155.01	200	173.07	-1.55	-39.17
Long-Term Debt Issued	-	-	-	-34.96	-
Net Long-Term Debt Issued (Repaid)	-	-	-	-34.96	-
Issuance of Common Stock	-3.53	-4.37	-1.69	-0.91	0.28
Repurchase of Common Stock	-91.6	-70.32	-18.65	-64.11	-49.87
Net Common Stock Issued (Repurchased)	-95.12	-74.69	-20.34	-65.02	-49.59
Repurchase of Preferred Stock	-	-	-	-	-92
Net Preferred Stock Issued (Repurchased)	-	-	-	-	-92
Common Dividends Paid	-51.87	-45.65	-41.01	-30.09	-19.72
Preferred Share Dividends Paid	-	-	-	-	-1.26
Financing Cash Flow	669.86	-73.56	1,307	-124.71	-49.04
Net Cash Flow	449.2	-157.04	197.71	-1,473	-131.93
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%
FCF Margin	31.95%	36.73%	44.19%	22.63%	14.25%
Free Cash Flow Per Share	4.45	4.93	5.84	2.76	1.50
Levered Free Cash Flow	323.05	168.33	192.01	118.08	162.1
Unlevered Free Cash Flow	117.95	-29.84	10.14	-13.21	17.21

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

SEC Filings: 10-K · 10-Q