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	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 Interest Income	618.58	608.47	588.44	560.87	482.08	407.37
Net Interest Income Growth	3.44%	3.40%	4.92%	16.34%	18.34%	-0.26%
Non-Interest Income	128.22	122.98	123.25	128.38	131.69	133.21
Non-Interest Income Growth	6.52%	-0.22%	-4.00%	-2.51%	-1.14%	7.12%
Revenues Before Loan Losses	746.8	731.44	711.69	689.25	613.77	540.58
Provision for Credit Losses	82.63	107.51	82.25	60.64	24.12	0.22
Revenue	664.17	623.93	629.44	628.61	589.65	540.36
Revenue Growth (YoY)	7.22%	-0.88%	0.13%	6.61%	9.12%	22.78%
Compensation Expenses	165.45	162.43	159.71	155.83	142.93	133.44
Selling, General & Admin	177.42	215.13	200.86	195.84	185.75	174.66
Other Non-Interest Expenses	8.36	12.25	15.12	11.69	16.86	17.66
Total Non-Interest Expense	399.09	389.81	375.69	363.37	345.55	325.76
Pretax Income	252.07	234.12	253.75	265.25	244.11	214.6
Provision for Income Taxes	31.62	29.01	55.58	83.38	77.87	68.45
Net Income	220.45	205.1	198.17	181.87	166.24	146.15
Net Income Attributable to Preferred Dividends	-	-	-	-	-	1.26
Net Income to Common	220.45	205.1	198.17	181.87	166.24	144.9
Net Income Growth	13.21%	3.50%	8.96%	9.40%	14.73%	113.66%
Shares Outstanding (Basic)	43	43	45	47	48	51
Shares Outstanding (Diluted)	43	43	45	47	48	51
Shares Change (YoY)	-2.83%	-4.80%	-3.45%	-2.83%	-5.71%	-0.36%
EPS (Basic)	5.10	4.74	4.36	3.86	3.46	2.85
EPS (Diluted)	5.08	4.74	4.36	3.86	3.44	2.81
EPS Growth	16.73%	8.72%	12.86%	12.33%	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	-	4.61	5.09	5.90	2.76	1.50
Dividends Per Share	1.300	1.200	1.000	0.880	0.700	0.400
Dividend Growth	8.33%	20.00%	13.64%	25.71%	75.00%	42.86%
Profit Margin	33.19%	32.87%	31.48%	28.93%	28.19%	27.05%
FCF Margin	-	31.95%	36.73%	44.19%	22.63%	14.25%
Effective Tax Rate	12.55%	12.39%	21.90%	31.43%	31.90%	31.90%

SEC Filings: 10-K · 10-Q