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Apr 23, 2026·SEC
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OFG Bancorp(OFG)Earnings, Financials & Key Ratios
OFG•NYSE•Banking & Credit
$45.96
$1.98B mkt cap·10.2× P/E·Price updated May 6, 2026
AboutOFG Bancorp, a financial holding company, provides a range of banking and financial services. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings accounts, as well as time deposit products; commercial, consumer, auto, and mortgage lending services; financial planning and insurance services; and corporate and individual trust, and retirement services. It also provides securities brokerage and investment advisory services, including various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients; and separately-managed accounts and mutual fund asset allocation programs. In addition, the company engages in the insurance agency and reinsurance businesses; administration and servicing of retirement plans; various treasury-related functions with an investment portfolio consisting of mortgage-backed securities, obligations of U.S. government sponsored agencies, and U.S. Treasury securities and money market instruments; and management and participation in public offerings and private placements of debt and equity securities. Further, it offers money management and investment banking services; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. The company operates through a network of 50 branches in Puerto Rico and 2 branches in USVI. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.Show more
- Net Interest Income$608M+3.4%
- Total Revenue$863M+4.8%
- Net Income$205M+3.5%
- Return on Equity15.51%-4.2%
- Net Interest Margin4.88%-4.6%
- Efficiency Ratio40.4%+2.3%
- ROA1.71%-1.3%
- Equity / Assets11.15%+2.2%
- Book Value per Share29.35+9.7%
- Tangible BV/Share27.36+18.3%
- Debt/Equity0.42+24.0%
OFG Key Insights
OFG Bancorp (OFG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 22.5%
- ✓Strong NIM of 4.9%
- ✓Efficient operations: 40.4% efficiency ratio
- ✓Well capitalized: 11.2% equity/assets
- ✓Good 3Y average ROE of 16.0%
- ✓Healthy dividend yield of 2.4%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
OFG Price & Volume
OFG Bancorp (OFG) stock price & volume — 10-year historical chart
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OFG Growth Metrics
OFG Bancorp (OFG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.36%
5 Years9.77%
3 Years12.96%
TTM-
Profit CAGR
10 Years-
5 Years22.51%
3 Years7.25%
TTM3.5%
EPS CAGR
10 Years-
5 Years27.74%
3 Years9.29%
TTM6.4%
Return on Capital
10 Years12.64%
5 Years17.48%
3 Years16.31%
Last Year14.42%
OFG Recent Earnings
OFG Bancorp (OFG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (82%)●Beat Revenue 4/12 qtrs (36%)
Q2 2026Latest
Apr 21, 2026EPS
$1.26
Est $1.02
+23.5%
Revenue
$186M
Est $177M
+5.1%
Q1 2026
Jan 22, 2026EPS
$1.27
Est $1.16
+9.5%
Revenue
$185M
Est $184M
+0.7%
Q4 2025
Oct 22, 2025EPS
$1.16
Est $1.17
-0.9%
Revenue
$171M
Est $187M
-8.4%
Q3 2025
Jul 17, 2025EPS
$1.15
Est $1.05
+9.5%
Revenue
$168M
Est $181M
-7.5%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $1.26vs $1.02+23.5% | $186Mvs $177M+5.1% |
| Q1 2026 | Jan 22, 2026 | $1.27vs $1.16+9.5% | $185Mvs $184M+0.7% |
| Q4 2025 | Oct 22, 2025 | $1.16vs $1.17-0.9% | $171Mvs $187M-8.4% |
| Q3 2025 | Jul 17, 2025 | $1.15vs $1.05+9.5% | $168Mvs $181M-7.5% |
Based on last 12 quarters of dataView full earnings history →
OFG Peer Comparison
OFG Bancorp (OFG) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FBP | 3.78B | 24.28 | 11.29 | 5.35% | 18.37% | 0.19 | ||
 BPOP | 9.75B | 150.04 | 12.20 | 5.7% | 13.82% | 0.25 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 HBAN | 26.34B | 16.64 | 11.97 | 4.38% | 10.04% | 0.76 | ||
 IBCP | 696.01M | 33.81 | 10.34 | -0.3% | 14.2% | 0.23 | ||
 CFFN | 1.02B | 7.83 | 15.06 | 10.03% | 6.99% | 1.86 | ||
 FFIC | 547.9M | 16.17 | 29.94 | 11.06% | 2.67% | 0.84 |
Compare OFG vs Peers
OFG Bancorp (OFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OFG Income Statement
OFG Bancorp (OFG) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 304.17M | 315.89M | 322.79M | 408.43M | 407.37M | 482.08M | 560.87M | 588.44M | 608.47M |
| NII Growth % | 1.58% | 3.85% | 2.18% | 26.53% | -0.26% | 18.34% | 16.34% | 4.92% | 3.4% |
| Net Interest Margin % | 4.91% | 4.8% | 3.47% | 4.16% | 4.11% | 4.91% | 4.94% | 5.12% | 4.88% |
| Interest Income | 345.65M | 360.42M | 373.8M | 473.35M | 449.2M | 515.57M | 648.88M | 750.28M | 780.94M |
| Interest Expense | 41.48M | 44.52M | 51M | 64.92M | 41.83M | 33.49M | 88.01M | 161.84M | 172.47M |
| Loan Loss Provision | 113.14M | 56.11M | 96.79M | 92.67M | 221K | 24.12M | 60.64M | 82.25M | 75.62M |
| Non-Interest Income | 42.13M | 40.5M | 56.09M | 67.86M | 89.89M | 82.93M | 79.27M | 72.5M | 81.68M |
| Non-Interest Income % | 10.86% | 10.1% | 13.05% | 12.54% | 16.67% | 13.86% | 10.89% | 8.81% | 9.47% |
| Total Revenue | 387.77M▲ 0% | 400.92M▲ 3.4% | 429.88M▲ 7.2% | 541.21M▲ 25.9% | 539.08M▼ 0.4% | 598.51M▲ 11.0% | 728.15M▲ 21.7% | 822.77M▲ 13.0% | 862.62M▲ 4.8% |
| Revenue Growth % | 0.48% | 3.39% | 7.22% | 25.9% | -0.39% | 11.02% | 21.66% | 13% | 4.84% |
| Non-Interest Expense | 165.07M | 167.49M | 206.84M | 288.8M | 282.43M | 296.79M | 314.25M | 324.94M | 348.52M |
| Efficiency Ratio | 42.57% | 41.78% | 48.12% | 53.36% | 52.39% | 49.59% | 43.16% | 39.49% | 40.4% |
| Operating Income | 68.09M▲ 0% | 132.8M▲ 95.0% | 75.25M▼ 43.3% | 94.83M▲ 26.0% | 214.6M▲ 126.3% | 244.1M▲ 13.7% | 265.25M▲ 8.7% | 253.75M▼ 4.3% | 266.01M▲ 4.8% |
| Operating Margin % | 17.56% | 33.12% | 17.5% | 17.52% | 39.81% | 40.79% | 36.43% | 30.84% | 30.84% |
| Operating Income Growth % | -20.06% | 95.04% | -43.34% | 26.01% | 126.31% | 13.75% | 8.66% | -4.34% | 4.83% |
| Pretax Income | 68.09M▲ 0% | 132.8M▲ 95.0% | 75.25M▼ 43.3% | 94.83M▲ 26.0% | 214.6M▲ 126.3% | 244.1M▲ 13.7% | 265.25M▲ 8.7% | 253.75M▼ 4.3% | 234.12M▼ 7.7% |
| Pretax Margin % | 17.56% | 33.12% | 17.5% | 17.52% | 39.81% | 40.79% | 36.43% | 30.84% | 27.14% |
| Income Tax | 15.44M | 48.39M | 21.41M | 20.5M | 68.45M | 77.87M | 83.38M | 55.58M | 29.01M |
| Effective Tax Rate % | 22.68% | 36.44% | 28.45% | 21.62% | 31.9% | 31.9% | 31.43% | 21.9% | 12.39% |
| Net Income | 52.65M▲ 0% | 84.41M▲ 60.3% | 53.84M▼ 36.2% | 74.33M▲ 38.0% | 146.15M▲ 96.6% | 166.24M▲ 13.7% | 181.87M▲ 9.4% | 198.17M▲ 9.0% | 205.1M▲ 3.5% |
| Net Margin % | 13.58% | 21.05% | 12.52% | 13.73% | 27.11% | 27.78% | 24.98% | 24.09% | 23.78% |
| Net Income Growth % | -11.05% | 60.34% | -36.21% | 38.05% | 96.63% | 13.74% | 9.4% | 8.96% | 3.5% |
| Net Income (Continuing) | 52.65M | 84.41M | 53.84M | 74.33M | 146.15M | 166.24M | 181.87M | 198.17M | 205.1M |
| EPS (Diluted) | 0.86▲ 0% | 1.52▲ 76.7% | 0.92▼ 39.5% | 1.32▲ 43.5% | 2.81▲ 112.9% | 3.44▲ 22.4% | 3.82▲ 11.0% | 4.23▲ 10.7% | 4.49▲ 6.1% |
| EPS Growth % | -16.5% | 76.74% | -39.47% | 43.48% | 112.88% | 22.42% | 11.05% | 10.73% | 6.15% |
| EPS (Basic) | 0.88 | 1.59 | 0.93 | 1.32 | 2.85 | 3.46 | 3.85 | 4.25 | 4.53 |
| Diluted Shares Outstanding | 51.1M | 51.35M | 51.72M | 51.55M | 51.37M | 48.44M | 47.55M | 46.9M | 47.37M |
OFG Balance Sheet
OFG Bancorp (OFG) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.13B | 1.29B | 1.93B | 2.6B | 2.53B | 1.96B | 2.85B | 2.93B | 1.04B |
| Cash & Due from Banks | 488.23M | 450.06M | 851.31M | 2.15B | 2.02B | 550.31M | 748.17M | 591.14M | 1.04B |
| Short Term Investments | 645.8M | 841.86M | 1.07B | 446.44M | 510.71M | 1.41B | 2.1B | 2.34B | 23K |
| Total Investments | 5.21B | 5.7B | 7.72B | 6.96B | 7.23B | 8.69B | 10.09B | 10.35B | 2.84B |
| Investments Growth % | -5.3% | 9.4% | 35.41% | -9.81% | 3.81% | 20.34% | 16.03% | 2.63% | -72.54% |
| Long-Term Investments | 4.56B | 4.86B | 6.64B | 6.51B | 6.71B | 7.28B | 7.99B | 8.02B | 2.84B |
| Accounts Receivables | 49.97M | 34.25M | 37.12M | 65.55M | 56.56M | 62.4M | 71.4M | 71.67M | 161.97M |
| Goodwill & Intangibles | 100.58M | 100.15M | 193.81M | 179.26M | 171.13M | 162.75M | 154.46M | 169.46M | 94.1M |
| Goodwill | 86.07M | 86.07M | 86.07M | 86.07M | 86.07M | 84.24M | 84.24M | 84.24M | 84.24M |
| Intangible Assets | 14.51M | 14.09M | 107.74M | 93.19M | 85.07M | 78.51M | 70.21M | 85.22M | 9.86M |
| PP&E (Net) | 67.86M | 68.89M | 120.22M | 115.17M | 120.97M | 132.18M | 125.83M | 123.71M | 93.55M |
| Other Assets | 135.58M | 108.65M | 149.05M | 128.09M | 142.35M | 106.02M | 88.26M | 112.33M | 8.11B |
| Total Current Assets | 1.19B | 1.34B | 2.02B | 2.73B | 2.65B | 2.08B | 2.98B | 3.07B | 1.22B |
| Total Non-Current Assets | 4.99B | 5.25B | 7.28B | 7.1B | 7.25B | 7.74B | 8.36B | 8.43B | 11.24B |
| Total Assets | 6.19B▲ 0% | 6.58B▲ 6.4% | 9.3B▲ 41.2% | 9.83B▲ 5.7% | 9.9B▲ 0.8% | 9.82B▼ 0.8% | 11.34B▲ 15.5% | 11.5B▲ 1.4% | 12.47B▲ 8.4% |
| Asset Growth % | -4.81% | 6.37% | 41.23% | 5.68% | 0.75% | -0.82% | 15.54% | 1.38% | 8.39% |
| Return on Assets (ROA) | 0.83% | 1.32% | 0.68% | 0.78% | 1.48% | 1.69% | 1.72% | 1.73% | 1.71% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 328.75M | 570.42M | 345.4M | 134.92M | 95.07M | 54.4M | 224.8M | 422.56M | 580.46M |
| Net Debt | -156.46M | 123.39M | -505.91M | -2.02B | -1.93B | -495.9M | -523.37M | -168.57M | -459.87M |
| Long-Term Debt | 135.88M | 114.92M | 115.29M | 102.35M | 64.57M | 27.03M | 200.77M | 325.95M | 456.59M |
| Short-Term Debt | 192.87M | 455.51M | 190.27M | 0 | 0 | 0 | 0 | 75.22M | 100.71M |
| Other Liabilities | 28.93M | 17.27M | 22.51M | 35.06M | 36.13M | 28.61M | 141.56M | 178.3M | 0 |
| Total Current Liabilities | 5.08B | 5.45B | 8.07B | 8.57B | 8.7B | 8.69B | 9.76B | 9.68B | 10.6B |
| Total Non-Current Liabilities | 164.8M | 132.19M | 177.64M | 169.98M | 131.2M | 83.01M | 388.8M | 566.36M | 479.75M |
| Total Liabilities | 5.24B | 5.58B | 8.25B | 8.74B | 8.83B | 8.78B | 10.15B | 10.25B | 11.08B |
| Total Equity | 945.11M▲ 0% | 999.88M▲ 5.8% | 1.05B▲ 4.6% | 1.09B▲ 3.9% | 1.07B▼ 1.5% | 1.04B▼ 2.5% | 1.19B▲ 14.5% | 1.25B▲ 5.1% | 1.39B▲ 10.8% |
| Equity Growth % | 2.68% | 5.8% | 4.56% | 3.87% | -1.55% | -2.5% | 14.49% | 5.1% | 10.81% |
| Equity / Assets (Capital Ratio) | 15.27% | 15.19% | 11.24% | 11.05% | 10.8% | 10.62% | 10.52% | 10.91% | 11.15% |
| Return on Equity (ROE) | 5.64% | 8.68% | 5.26% | 6.97% | 13.56% | 15.75% | 16.27% | 16.19% | 15.51% |
| Book Value per Share | 18.50 | 19.47 | 20.21 | 21.06 | 20.81 | 21.52 | 25.10 | 26.74 | 29.35 |
| Tangible BV per Share | 16.53 | 17.52 | 16.47 | 17.59 | 17.48 | 18.16 | 21.85 | 23.13 | 27.36 |
| Common Stock | 52.63M | 59.88M | 59.88M | 59.88M | 59.88M | 59.88M | 59.88M | 59.88M | 59.88M |
| Additional Paid-in Capital | 541.6M | 619.38M | 621.51M | 622.65M | 637.06M | 636.79M | 638.67M | 639.79M | 642.97M |
| Retained Earnings | 200.88M | 253.04M | 279.65M | 300.1M | 399.95M | 516.37M | 639.32M | 771.99M | 904.63M |
| Accumulated OCI | 78.5M | 79.2M | 94.77M | 114.29M | 122.84M | 40.49M | 83.95M | 79.7M | -16.91M |
| Treasury Stock | -104.5M | -103.63M | -102.34M | -102.95M | -150.57M | -211.13M | -228.35M | -296.99M | -389.07M |
| Preferred Stock | 176M | 92M | 92M | 92M | 0 | 0 | 0 | 0 | 0 |
OFG Cash Flow Statement
OFG Bancorp (OFG) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 151.44M | 133.35M | 109.62M | 34.96M | 100.04M | 164.46M | 295.66M | 252.5M | 217.72M |
| Operating CF Growth % | 92.89% | -11.94% | -17.8% | -68.11% | 186.17% | 64.38% | 79.78% | -14.6% | -13.77% |
| Net Income | 52.65M | 84.41M | 53.84M | 74.33M | 146.15M | 166.24M | 181.87M | 198.17M | 205.1M |
| Depreciation & Amortization | 10.46M | 10.22M | 9.68M | 23.76M | 23.93M | 24.31M | 27.29M | 26.79M | 25.39M |
| Deferred Taxes | -3.66M | 14.77M | -4.07M | 27.85M | 63.62M | 61.13M | 67.35M | 21.56M | -153.67M |
| Other Non-Cash Items | 79.36M | 2.96M | 67.03M | -37.87M | -156.23M | -84.89M | 13.44M | 34.11M | 23.72M |
| Working Capital Changes | 11.62M | 19.6M | -19M | -55.27M | 16.33M | -6.52M | 713K | -35.3M | 110.95M |
| Cash from Investing | 187.3M | -488.77M | 842.17M | 757.5M | -182.93M | -1.51B | -1.4B | -335.98M | -438.38M |
| Purchase of Investments | -182.05M | -271.64M | -2.2M | -161.81M | -417.07M | -1.47B | -1.08B | -1.33B | -531.39M |
| Sale/Maturity of Investments | 450.89M | 216.13M | 846.15M | 890.64M | 116.65M | 404.32M | 498.04M | 1.36B | 548.23M |
| Net Investment Activity | 268.84M | -55.51M | 843.95M | 728.83M | -300.41M | -1.06B | -578.36M | 30.23M | 16.84M |
| Acquisitions | 0 | 0 | 67.27M | -402K | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -75.06M | -421.77M | -56.08M | 44.34M | 140.53M | -418.4M | -808.53M | -344.87M | -436.83M |
| Cash from Financing | -363.98M | 317.24M | -549.1M | 510.36M | -49.04M | -124.7M | 1.31B | -73.56M | 669.86M |
| Dividends Paid | -24.41M | -24.82M | -20.88M | -20.89M | -20.97M | -30.09M | -41.01M | -45.65M | -51.87M |
| Share Repurchases | 0 | 0 | 0 | -2.23M | -49.87M | -65.02M | -18.65M | -70.32M | -91.6M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3.53M |
| Net Stock Activity | 0 | 0 | 0 | -2.23M | -49.87M | -65.02M | -18.65M | -70.32M | -95.12M |
| Debt Issuance (Net) | 0 | -1000K | 386K | 0 | 0 | -1000K | 0 | 0 | 1000K |
| Other Financing | -339.56M | 362.88M | -528.6M | 533.48M | 113.81M | 6.91M | 1.37B | 42.41M | 661.85M |
| Net Change in Cash | -25.24M▲ 0% | -38.17M▼ 51.3% | 402.69M▲ 1155.0% | 1.3B▲ 223.5% | -131.93M▼ 110.1% | -1.47B▼ 1016.7% | 197.71M▲ 113.4% | -157.04M▼ 179.4% | 449.2M▲ 386.0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 510.44M | 488.23M | 450.06M | 852.76M | 2.16B | 2.02B | 550.46M | 748.17M | 591.14M |
| Cash at End | 485.2M | 450.06M | 852.76M | 2.16B | 2.02B | 550.46M | 748.17M | 591.14M | 1.04B |
| Interest Paid | 40.57M | 41.32M | 41.31M | 56.44M | 35.34M | 26.96M | 79.73M | 156.79M | 165.25M |
| Income Taxes Paid | 30K | 17.78M | 39.38M | 6.25M | 2.79M | 5.13M | 15.01M | 40.07M | 81.53M |
| Free Cash Flow | 144.97M▲ 0% | 121.86M▼ 15.9% | 96.65M▼ 20.7% | 19.7M▼ 79.6% | 76.99M▲ 290.9% | 133.46M▲ 73.3% | 277.8M▲ 108.2% | 210.79M▼ 24.1% | 199.34M▼ 5.4% |
| FCF Growth % | 98.01% | -15.94% | -20.69% | -79.62% | 290.88% | 73.34% | 108.16% | -24.12% | -5.43% |
OFG Banking Ratios
OFG Bancorp (OFG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.51% | 5.64% | 8.68% | 5.26% | 6.97% | 13.56% | 15.75% | 16.27% | 16.19% | 15.51% |
| Return on Assets (ROA) | 0.87% | 0.83% | 1.32% | 0.68% | 0.78% | 1.48% | 1.69% | 1.72% | 1.73% | 1.71% |
| Net Interest Margin | 4.61% | 4.91% | 4.8% | 3.47% | 4.16% | 4.11% | 4.91% | 4.94% | 5.12% | 4.88% |
| Efficiency Ratio | 46.25% | 42.57% | 41.78% | 48.12% | 53.36% | 52.39% | 49.59% | 43.16% | 39.49% | 40.4% |
| Equity / Assets | 14.16% | 15.27% | 15.19% | 11.24% | 11.05% | 10.8% | 10.62% | 10.52% | 10.91% | 11.15% |
| Book Value / Share | 18.02 | 18.5 | 19.47 | 20.21 | 21.06 | 20.81 | 21.52 | 25.1 | 26.74 | 29.35 |
| NII Growth | -11.25% | 1.58% | 3.85% | 2.18% | 26.53% | -0.26% | 18.34% | 16.34% | 4.92% | 3.4% |
| Dividend Payout | 17.13% | 20.05% | 15.16% | 26.7% | 19.35% | 13.49% | 18.1% | 22.55% | 23.03% | 25.29% |
OFG SEC Filings & Documents
OFG Bancorp (OFG) SEC filings — annual & quarterly reports (10-K, 10-Q)
OFG Frequently Asked Questions
OFG Bancorp (OFG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
OFG Bancorp (OFG) grew revenue by 4.8% over the past year. Growth has been modest.
Yes, OFG Bancorp (OFG) is profitable, generating $205.1M in net income for fiscal year 2025 (23.8% net margin).
Dividend & Returns
Yes, OFG Bancorp (OFG) pays a dividend with a yield of 2.38%. This makes it attractive for income-focused investors.
OFG Bancorp (OFG) has a return on equity (ROE) of 15.5%. This is reasonable for most industries.
Industry Metrics
OFG Bancorp (OFG) has a net interest margin (NIM) of 4.9%. This indicates healthy earnings from lending activities.
OFG Bancorp (OFG) has an efficiency ratio of 40.4%. This is excellent, indicating strong cost control.
Explore More OFG
OFG Bancorp (OFG) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates