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OFG Bancorp OFG

17 fiscal years on record · USD · FY2025 reported · SEC filings only

5 YEARS OF DIVIDEND GROWTH

Net income

$205.1M

▲ 3.5% YoY

Free cash flow

$199.3M

▼ 13.8% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Growth

Revenue, FY2025 · full 17-year series below

Revenue $M Net income $M

FY2023 · Revenue 0.0 · Net income 181.9

100M200M

2009201220152018202120242025

Compound annual growth

Net income

+7.3%

+22.5%

+22.4%

EPS, diluted

+10.0%

+28.3%

Dividend / share

+19.7%

+33.8%

+12.8%

+13.9%

Returned to shareholders

+19.9%

+29.3%

+6.9%

+14.5%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2025 · ROE 15.5%

5%10%15%

200920172025

Three returns, three denominators.

Return on equity15.5%

Return on assets1.7%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDAUSD 254.6M

Each USD of equity produced 16 cents of profit this year.

Cash & shareholders

USD 51.9M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 199.3

100M200M-20M-40M

200920172025

Net buybacks $M Dividends $M

FY2025 · Dividends 51.9 · Net buybacks ·

25.0M50.0M-40.0M-80.0MDividendsNet buybacks

200920112013201520172019202120232025

Dividends paidUSD 51.9M

Net buybacks·

Share of profit25.3%

Consecutive raises5 years

USD 51.9M in dividends — 25% of the year's profit went back to shareholders.

Total assetsUSD 12.5B

EquityUSD 1.4B

CashUSD 1.0B

DepositsUSD 10.3B

Equity funds 11% of total assets.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative—not applicable◌not available in our data

OFG, 17-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	◌	◌	0.0	0.0	0.0	0.0	0.0	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Operating income $B	0.2	0.3	0.3	0.2	0.2	0.1	0.1	0.1	0.1	0.1	−0.0	0.1	◌	◌	◌	◌	◌
EBITDA $B	0.3	0.3	0.3	0.3	0.2	0.1	0.1	0.1	0.1	0.1	−0.0	0.1	◌	◌	◌	◌	◌
Income tax $B	0.0	0.1	0.1	0.1	0.1	0.0	0.0	0.0	0.0	0.0	−0.0	0.0	−0.0	0.0	0.0	−0.0	0.0
Net income $B	0.2	0.2	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.1	−0.0	0.1	0.1	0.0	0.0	0.0	0.0
Free cash flow $B	0.2	0.2	0.3	0.1	0.1	0.0	0.1	0.1	0.1	0.1	0.1	0.2	0.2	0.0	−0.0	−0.0	−0.0
EPS, diluted $	4.58	4.23	3.83	3.44	2.81	1.32	0.92	1.52	0.88	1.03	−0.37	1.50	1.73	0.35	0.67	−0.50	0.75
Dividend / sh $	1.20	1.00	0.88	0.70	0.40	0.28	0.28	0.25	0.24	0.24	0.36	0.34	0.26	0.24	0.21	0.17	0.16
Payout %	25	23	23	18	13	19	27	15	20	17	−709	17	11	41	27	69	17
ROE %	15.5	16.2	16.3	15.7	13.6	7.0	5.3	8.7	5.6	6.5	−0.3	9.3	11.3	3.1	4.8	1.9	6.9
Shares out B	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.05	0.05	0.04	0.05	◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures in 48 reconciliationsAUDITED

Reconciled in 17 of the 17 fiscal years we could check. Four checks were skipped: the share count is not tagged before 2011. Three checks were skipped: the balance sheet is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures

ActivityState Commercial Banks

Listed onNYSE

Incorporated inPuerto Rico

Fiscal year endsDecember 31

Data on record since2009