OFG Bancorp (OFG) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 153.81M | 152.74M | 154.72M | 151.93M | 149.07M | 149.14M | 147.88M | 147.32M | 144.1M | 143.54M | 141.79M | 139.64M | 135.9M | 135.28M | 126.51M | 115.09M | 105.19M | 104.2M | 102.7M | 102.25M |
| NII Growth % | 3.18% | 2.42% | 4.63% | 3.12% | 3.45% | 3.9% | 4.29% | 5.5% | 6.04% | 6.11% | 12.08% | 21.33% | 29.19% | 29.82% | 23.18% | 12.56% | 7.12% | 5.54% | 3.18% | -2.67% |
| Net Interest Margin % | 1.28% | 1.23% | 1.27% | 1.24% | 1.27% | 1.3% | 1.29% | 1.31% | 1.29% | 1.27% | 1.38% | 1.39% | 1.35% | 1.38% | 1.26% | 1.12% | 1.03% | 1.05% | 0.97% | 0.98% |
| Interest Income | 194.13M | 197.22M | 200.15M | 194.35M | 189.22M | 190.16M | 189.03M | 187.66M | 183.43M | 176.2M | 165.71M | 157.99M | 148.99M | 145.73M | 134.68M | 122.22M | 112.95M | 112.61M | 112.14M | 113.46M |
| Interest Expense | 40.31M | 44.48M | 45.42M | 42.42M | 40.15M | 41.02M | 41.16M | 40.33M | 39.32M | 32.66M | 23.92M | 18.34M | 13.09M | 10.45M | 8.16M | 7.13M | 7.75M | 8.41M | 9.43M | 11.21M |
| Loan Loss Provision | 22.48M | 0 | 28.26M | 21.68M | 25.69M | 30.19M | 21.36M | 15.58M | 15.12M | 19.72M | 16.43M | 15.04M | 9.45M | 8.76M | 7.12M | 6.69M | 1.55M | 7.2M | -5M | -8.3M |
| Non-Interest Income | 32.28M | 31.58M | 16.51M | 15.98M | 17.61M | 19.9M | 15.82M | 18.9M | 17.87M | 26.71M | 18.32M | 17.95M | 16.3M | 22.39M | 18.51M | 24.25M | 19.9M | 27.62M | 20.99M | 20.93M |
| Non-Interest Income % | 14.26% | 13.8% | 7.62% | 7.6% | 8.52% | 9.47% | 7.72% | 9.15% | 8.88% | 13.16% | 9.96% | 10.2% | 9.86% | 13.32% | 12.08% | 16.55% | 14.98% | 19.7% | 15.77% | 15.58% |
| Total Revenue | 226.41M | 228.8M | 216.65M | 210.33M | 206.84M | 210.06M | 204.85M | 206.56M | 201.3M | 202.91M | 184.03M | 175.93M | 165.28M | 168.12M | 153.19M | 146.47M | 132.85M | 140.24M | 133.13M | 134.4M |
| Revenue Growth % | 9.46% | 8.92% | 5.76% | 1.83% | 2.75% | 3.53% | 11.32% | 17.41% | 21.79% | 20.69% | 20.14% | 20.12% | 24.42% | 19.88% | 15.06% | 8.98% | 1.17% | 3.03% | 1.07% | -1.38% |
| Non-Interest Expense | 94.82M | 105.01M | 81.6M | 80.35M | 81.55M | 86.06M | 80.56M | 79.38M | 78.94M | 82.1M | 77.78M | 76.76M | 77.62M | 80.78M | 75.38M | 73.29M | 69.45M | 76.02M | 67.4M | 71.42M |
| Efficiency Ratio | 41.88% | 45.9% | 37.67% | 38.2% | 39.43% | 40.97% | 39.32% | 38.43% | 39.21% | 40.46% | 42.27% | 43.63% | 46.96% | 48.05% | 49.21% | 50.04% | 52.28% | 54.21% | 50.63% | 53.14% |
| Operating Income | 68.79M | 79.31M | 61.37M | 65.88M | 59.45M | 52.79M | 61.78M | 71.26M | 67.92M | 68.43M | 65.9M | 65.78M | 65.13M | 68.14M | 62.52M | 59.35M | 54.09M | 48.61M | 61.3M | 60.08M |
| Operating Margin % | 30.39% | 34.66% | 28.33% | 31.32% | 28.74% | 25.13% | 30.16% | 34.5% | 33.74% | 33.73% | 35.81% | 37.39% | 39.41% | 40.53% | 40.81% | 40.52% | 40.72% | 34.66% | 46.04% | 44.7% |
| Operating Income Growth % | 15.72% | 50.24% | -0.67% | -7.55% | -12.47% | -22.86% | -6.24% | 8.32% | 4.27% | 0.43% | 5.41% | 10.83% | 20.41% | 40.17% | 2% | -1.2% | 21.23% | 62.32% | 81.64% | 106.91% |
| Pretax Income | 68.79M | 47.42M | 61.37M | 65.88M | 59.45M | 52.79M | 61.78M | 71.26M | 67.92M | 68.43M | 65.9M | 65.78M | 65.13M | 68.14M | 62.52M | 59.35M | 54.09M | 48.61M | 61.3M | 60.08M |
| Pretax Margin % | 30.39% | 20.73% | 28.33% | 31.32% | 28.74% | 25.13% | 30.16% | 34.5% | 33.74% | 33.73% | 35.81% | 37.39% | 39.41% | 40.53% | 40.81% | 40.52% | 40.72% | 34.66% | 46.04% | 44.7% |
| Income Tax | 14.86M | -8.47M | 9.53M | 14.08M | 13.88M | 2.44M | 14.78M | 20.13M | 18.23M | 21.84M | 21.02M | 21.61M | 18.9M | 21.77M | 20.6M | 18.92M | 16.57M | 15.33M | 19.62M | 19.25M |
| Effective Tax Rate % | 21.6% | -17.87% | 15.53% | 21.37% | 23.34% | 4.62% | 23.93% | 28.25% | 26.83% | 31.91% | 31.91% | 32.85% | 29.02% | 31.95% | 32.95% | 31.88% | 30.64% | 31.54% | 32.02% | 32.04% |
| Net Income | 53.94M | 55.89M | 51.84M | 51.8M | 45.57M | 50.35M | 47M | 51.13M | 49.69M | 46.6M | 44.87M | 44.17M | 46.23M | 46.37M | 41.92M | 40.43M | 37.52M | 33.28M | 41.67M | 40.83M |
| Net Margin % | 23.82% | 24.43% | 23.93% | 24.63% | 22.03% | 23.97% | 22.94% | 24.75% | 24.69% | 22.96% | 24.38% | 25.11% | 27.97% | 27.58% | 27.36% | 27.6% | 28.24% | 23.73% | 31.3% | 30.38% |
| Net Income Growth % | 18.36% | 11.02% | 10.29% | 1.31% | -8.29% | 8.05% | 4.74% | 15.75% | 7.49% | 0.5% | 7.05% | 9.25% | 23.21% | 39.32% | 0.6% | -0.97% | 23.53% | 42.83% | 51.87% | 87.39% |
| Net Income (Continuing) | 53.94M | 55.89M | 51.84M | 51.8M | 45.57M | 50.35M | 47M | 51.13M | 49.69M | 46.6M | 44.87M | 44.17M | 46.23M | 46.37M | 41.92M | 40.43M | 37.52M | 33.28M | 41.67M | 40.83M |
| EPS (Diluted) | 1.26 | 1.18 | 1.16 | 1.15 | 1.00 | 1.09 | 1.00 | 1.08 | 1.05 | 0.98 | 0.93 | 0.93 | 0.96 | 0.97 | 0.87 | 0.84 | 0.76 | 0.66 | 0.81 | 0.78 |
| EPS Growth % | 26% | 8.26% | 16% | 6.48% | -4.76% | 11.22% | 7.53% | 16.13% | 9.38% | 1.03% | 6.9% | 10.71% | 26.32% | 46.97% | 7.41% | 7.69% | 35.71% | 46.67% | 62% | 100% |
| EPS (Basic) | 1.26 | 1.20 | 1.17 | 1.15 | 1.01 | 1.10 | 1.01 | 1.09 | 1.06 | 0.99 | 0.95 | 0.93 | 0.97 | 0.97 | 0.88 | 0.84 | 0.77 | 0.67 | 0.82 | 0.79 |
| Diluted Shares Outstanding | 42.96M | 47.37M | 44.66M | 45.03M | 45.51M | 46.25M | 47M | 47.13M | 47.34M | 47.39M | 48.25M | 47.49M | 47.94M | 47.96M | 48.18M | 48.39M | 49.48M | 50.3M | 51.52M | 52.34M |