OFG
OFG Bancorp
NYSE · Financial Services · Banks - Regional · US
$51.55
+0.66%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 914.1M | 862.6M | 822.8M | 728.2M | 598.5M |
| Cost of Revenue | 220.4M | 248.1M | 244.1M | 148.6M | 57.6M |
| Gross Profit | 693.7M | 614.5M | 578.7M | 579.5M | 540.9M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 270.3M | 182.5M | 180.7M | 176.4M | 161.1M |
| General & Admin Expense | 211.9M | 174.5M | 171.0M | 167.7M | 152.8M |
| Selling & Marketing Expense | 58.4M | 8.0M | 9.7M | 8.7M | 8.2M |
| Other Expenses | 129.0M | 166.0M | 144.3M | 139.2M | 135.7M |
| Total Operating Expenses | 399.3M | 348.5M | 324.9M | 314.3M | 296.8M |
| Cost and Expenses | 619.8M | 596.6M | 569.0M | 462.9M | 354.4M |
| Operating Income (EBIT) | 294.4M | 266.0M | 253.7M | 265.2M | 244.1M |
| Non-Operating | |||||
| Interest Income | 784.2M | 780.9M | 750.3M | 648.9M | 515.6M |
| Interest Expense | 166.8M | 172.5M | 161.8M | 88.0M | 33.5M |
| Net Interest Income | 617.4M | 608.5M | 588.4M | 560.9M | 482.1M |
| Other Non-Op Income/Expense | (31.9M) | (31.9M) | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 262.5M | 234.1M | 253.7M | 265.2M | 244.1M |
| Income Tax Expense | 37.3M | 29.0M | 55.6M | 83.4M | 77.9M |
| Bottom Line | |||||
| Net Income | 225.2M | 205.1M | 198.2M | 181.9M | 166.2M |
| Earnings from Cont. Ops | 225.2M | 205.1M | 198.2M | 181.9M | 166.2M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 225.2M | 205.1M | 198.2M | 181.9M | 166.2M |
| Per Share | |||||
| Basic EPS | $5.19 | $4.53 | $4.25 | $3.85 | $3.46 |
| Diluted EPS | $5.16 | $4.49 | $4.23 | $3.82 | $3.44 |
| Revenue Per Share | $21.67 | $18.52 | $17.64 | $15.41 | $12.46 |
| Shares | |||||
| Basic Shares Outstanding | 42.2M | 46.6M | 46.6M | 47.3M | 48.0M |
| Diluted Shares Outstanding | 42.4M | 47.4M | 46.9M | 47.6M | 48.4M |
| Profitability Metrics | |||||
| EBITDA | 312.3M | 291.4M | 280.5M | 291.8M | 268.5M |
| D&A | 17.9M | 25.4M | 26.8M | 27.3M | 24.3M |
| EBIT | 294.4M | 266.0M | 254.4M | 264.5M | 244.2M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026