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OFG BANCORP

OFG Clue Score72
United States Fiscal year ends December CIK 0001030469
$50.54 -0.75% Close, 9 Oct 2026
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Price $50.54 +94.31% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income0.06EPS, diluted1.03Fiscal year 2017Net income0.05 −11.0%EPS, diluted0.88 −14.6%Fiscal year 2018Net income0.08 +60.3%EPS, diluted1.52 +72.7%Fiscal year 2019Revenue0.00Net income0.05 −36.2%EPS, diluted0.92 −39.5%Fiscal year 2020Revenue0.00Net income0.07 +38.0%EPS, diluted1.32 +43.5%Fiscal year 2021Revenue0.00Net income0.15 +96.6%EPS, diluted2.81 +112.9%Fiscal year 2022Revenue0.00Net income0.17 +13.7%EPS, diluted3.44 +22.4%Fiscal year 2023Revenue0.00Net income0.18 +9.4%EPS, diluted3.83 +11.3%Fiscal year 2024Net income0.20 +9.0%EPS, diluted4.23 +10.4%Fiscal year 2025Net income0.21 +3.5%EPS, diluted4.58 +8.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a n/a 0.00 0.00 0.00 0.00 0.00 n/a n/a
Growth
Net income 0.06 0.05 0.08 0.05 0.07 0.15 0.17 0.18 0.20 0.21
Growth −11.0% +60.3% −36.2% +38.0% +96.6% +13.7% +9.4% +9.0% +3.5%
EPS, diluted 1.03 0.88 1.52 0.92 1.32 2.81 3.44 3.83 4.23 4.58
Growth −14.6% +72.7% −39.5% +43.5% +112.9% +22.4% +11.3% +10.4% +8.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.08Capital expenditure−0.01Free cash flow0.07Buybacks0.00Dividends paid−0.01Fiscal year 2017Operating cash flow0.15Capital expenditure−0.01Free cash flow0.14 +98.0%Buybacks0.00Dividends paid−0.01Fiscal year 2018Operating cash flow0.13Capital expenditure−0.01Free cash flow0.12 −15.9%Dividends paid−0.01Fiscal year 2019Operating cash flow0.11Capital expenditure−0.01Free cash flow0.10 −20.7%Dividends paid−0.01Fiscal year 2020Operating cash flow0.03Capital expenditure−0.02Free cash flow0.02 −79.6%Dividends paid−0.01Fiscal year 2021Operating cash flow0.10Capital expenditure−0.02Free cash flow0.08 +290.9%Dividends paid−0.02Fiscal year 2022Operating cash flow0.16Capital expenditure−0.03Free cash flow0.13 +73.3%Dividends paid−0.03Fiscal year 2023Operating cash flow0.30Capital expenditure−0.02Free cash flow0.28 +108.2%Dividends paid−0.04Fiscal year 2024Operating cash flow0.25Capital expenditure−0.02Free cash flow0.23 −16.8%Dividends paid−0.05Fiscal year 2025Operating cash flow0.22Capital expenditure−0.02Free cash flow0.20 −13.8%Dividends paid−0.05
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.08 0.15 0.13 0.11 0.03 0.10 0.16 0.30 0.25 0.22
Capital expenditure −0.01 −0.01 −0.01 −0.01 −0.02 −0.02 −0.03 −0.02 −0.02 −0.02
Free cash flow 0.07 0.14 0.12 0.10 0.02 0.08 0.13 0.28 0.23 0.20
Growth +98.0% −15.9% −20.7% −79.6% +290.9% +73.3% +108.2% −16.8% −13.8%
Buybacks 0.00 0.00 n/a n/a n/a n/a n/a n/a n/a n/a
Dividends paid −0.01 −0.01 −0.01 −0.01 −0.01 −0.02 −0.03 −0.04 −0.05 −0.05

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash0.51Shareholders’ equity0.92Fiscal year 2017Cash0.49Shareholders’ equity0.95Fiscal year 2018Cash0.45Shareholders’ equity1.00Fiscal year 2019Cash0.85Shareholders’ equity1.05Fiscal year 2020Cash2.15Shareholders’ equity1.09Fiscal year 2021Cash2.02Shareholders’ equity1.07Fiscal year 2022Cash0.55Shareholders’ equity1.04Fiscal year 2023Cash0.75Shareholders’ equity1.19Fiscal year 2024Cash0.59Shareholders’ equity1.25Fiscal year 2025Cash1.04Shareholders’ equity1.39
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.51 0.49 0.45 0.85 2.15 2.02 0.55 0.75 0.59 1.04
Shareholders’ equity 0.92 0.95 1.00 1.05 1.09 1.07 1.04 1.19 1.25 1.39

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
30.5% 22.7% 36.4% 28.5% 21.6% 31.9% 31.9% 31.4% 21.9% 12.4%
Returns
6.4% 5.6% 8.4% 5.1% 6.8% 13.7% 15.9% 15.2% 15.8% 14.8%
0.9% 0.9% 1.3% 0.6% 0.8% 1.5% 1.7% 1.6% 1.7% 1.6%
Balance and payout
85.8% 84.7% 84.8% 88.8% 88.9% 89.2% 89.4% 89.5% 89.1% 88.8%
17.1% 20.0% 15.2% 26.7% 19.3% 13.5% 18.1% 22.5% 23.0% 25.3%
13.9% 7.3% 10.5% 14.9% 73.0% 25.6% 22.5% 14.8% 19.7% 26.0%