OFG Bancorp (OFG) Earnings History
Annual and quarterly earnings data from 1988 to 2025
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OFG EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
OFG Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 71.2% | 30.8% | 23.8% |
| 2024 | 70.3% | 30.8% | 24.1% |
| 2023 | 79.6% | 36.4% | 25.0% |
| 2022 | 90.4% | 40.8% | 27.8% |
| 2021 | 92.2% | 39.8% | 27.1% |
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OFG Bancorp (OFG) Earnings Overview
As of May 6, 2026, OFG Bancorp (OFG) reported trailing twelve-month net income of $205M, reflecting +6.1% year-over-year growth. The company earned $4.33 per diluted share over the past four quarters, with a net profit margin of 23.8%.
Looking at the long-term picture, OFG's 5-year EPS compound annual growth rate (CAGR) stands at +27.7%, indicating exceptional earnings growth. The company achieved its highest annual net income of $205M in fiscal 2025, representing a new all-time high.
OFG Bancorp maintains industry-leading profitability with a gross margin of 71.2%, operating margin of 30.8%, and net margin of 23.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FBP ($345M net income, 27.4% margin), BPOP ($833M net income, 18.8% margin), NBTB ($169M net income, 19.5% margin), OFG has room to improve margins relative to the peer group. Compare OFG vs FBP →
OFG Earnings vs Peers
Earnings metrics vs comparable public companies
OFG Historical Earnings Data (1988–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $205M | +3.5% | $266M | $4.49 | 23.8% | 30.8% |
| 2024 | $198M | +9.0% | $254M | $4.23 | 24.1% | 30.8% |
| 2023 | $182M | +9.4% | $265M | $3.82 | 25.0% | 36.4% |
| 2022 | $166M | +13.7% | $244M | $3.44 | 27.8% | 40.8% |
| 2021 | $146M | +96.6% | $215M | $2.81 | 27.1% | 39.8% |
| 2020 | $74M | +38.0% | $95M | $1.32 | 13.7% | 17.5% |
| 2019 | $54M | -36.2% | $75M | $0.92 | 12.5% | 17.5% |
| 2018 | $84M | +60.3% | $133M | $1.52 | 21.1% | 33.1% |
| 2017 | $53M | -11.0% | $68M | $0.86 | 13.6% | 17.6% |
| 2016 | $59M | +2463.7% | $85M | $1.03 | 15.3% | 22.1% |
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Start ComparisonOFG — Frequently Asked Questions
Quick answers to the most common questions about buying OFG stock.
Is OFG growing earnings?
OFG EPS stands at $4.33, with +6.1% growth matching the 5-year CAGR of +27.7%. TTM net income is $205M. Earnings trajectory remains consistent.
What are OFG's profit margins?
OFG Bancorp net margin is +23.8%, with operating margin at +30.8%. Above-average margins indicate pricing power.
How consistent are OFG's earnings?
OFG earnings data spans 1988-2025. The current earnings trend is +6.1% YoY. Historical data enables comparison across business cycles.