OFG Bancorp (OFG)
NYSE: OFG · Real-Time Price · USD
53.54
+0.66 (1.25%)
Aug 13, 2026, 4:00 PM EDT - Market closed
OFG Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 Income | 220.44 | 205.1 | 198.17 | 181.87 | 166.24 | 146.15 |
Depreciation & Amortization | 24.4 | 25.39 | 26.79 | 27.29 | 24.31 | 23.93 |
Provision for Credit Losses | 95.64 | 107.51 | 82.25 | 60.64 | 24.12 | 0.22 |
Stock-Based Compensation | 6.08 | 6.24 | 7.17 | 5 | 4.19 | 6.25 |
Net Change in Loans Held-for-Sale | -18.66 | -81.83 | -42.05 | -32.06 | -88.28 | -133 |
Other Adjustments | -166.19 | -155.64 | 15.46 | 52.21 | 40.4 | 40.17 |
Changes in Accrued Interest and Accounts Receivable | 3.68 | 0.61 | -0.25 | -8.94 | -5.83 | 9.54 |
Changes in Accounts Payable | 0.55 | 3.45 | 0.52 | 3 | 0.03 | -0.86 |
Changes in Accrued Expenses | -24.15 | 46.91 | -4.76 | 0.28 | -34.15 | 18.38 |
Changes in Other Operating Activities | 77.13 | 59.98 | -30.81 | 6.37 | 33.42 | -10.73 |
Operating Cash Flow | 225.03 | 217.72 | 252.5 | 295.66 | 164.46 | 100.04 |
Operating Cash Flow Growth | 4.46% | -13.78% | -14.60% | 79.78% | 64.38% | 186.17% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 Change in Loans Held-for-Investment | -282.98 | -489.01 | -362.88 | -860.17 | -473.01 | 92.69 |
Net Change in Securities and Investments | 152.23 | 13.69 | 0.06 | -586.84 | -1,064 | -298.1 |
Capital Expenditures | -22.37 | -18.38 | -21.34 | -17.86 | -31 | -23.05 |
Sale of Property, Plant & Equipment | 53.51 | 55.32 | 48.18 | 60.12 | 54.65 | 45.54 |
Investing Cash Flow | -85.85 | -438.38 | -335.98 | -1,405 | -1,513 | -182.93 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 Change in Deposits | -155.68 | 661.85 | -153.22 | 1,195 | 6.91 | 152.7 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | 72.66 | 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 | -2.47 | -3.53 | -4.37 | -1.69 | -0.91 | 0.28 |
Repurchase of Common Stock | -104.98 | -91.6 | -70.32 | -18.65 | -64.11 | -49.87 |
Net Common Stock Issued (Repurchased) | -107.45 | -95.12 | -74.69 | -20.34 | -65.02 | -49.59 |
Repurchase of Preferred Stock | - | - | - | - | - | -92 |
Net Preferred Stock Issued (Repurchased) | - | - | - | - | - | -92 |
Common Dividends Paid | -54.8 | -51.87 | -45.65 | -41.01 | -30.09 | -19.72 |
Preferred Share Dividends Paid | - | - | - | - | - | -1.26 |
Financing Cash Flow | -245.27 | 669.86 | -73.56 | 1,307 | -124.71 | -49.04 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 Cash Flow | -106.09 | 449.2 | -157.04 | 197.71 | -1,473 | -131.93 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Free Cash Flow | 202.66 | 199.34 | 231.16 | 277.8 | 133.46 | 76.99 |
Free Cash Flow Growth | 3.14% | -13.77% | -16.79% | 108.16% | 73.34% | 290.88% |
FCF Margin | 31.12% | 31.95% | 36.73% | 44.19% | 22.63% | 14.25% |
Free Cash Flow Per Share | 4.66 | 4.61 | 5.09 | 5.90 | 2.76 | 1.50 |