OFG BANCORP

OFG

OFG BANCORP

OFG

Insider Sentiment (TTM):

Last Purchase:2026-02-20Last Sale:2025-12-22Shares Purchased (TTM):1,540Shares Sold (TTM):57,732

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:37,152,334Shares Outstanding:42,786,000Institutional Ownership Pct.:86.83%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	740	632	1,036	737	844	703	584	675	735	750	744	529
Cash And Cash Equivalents…
Cash And Cash Equivalents At Carrying Value	746	636	1,040	740	852	711	591	681	740	754	748	533
Money Market Funds At Carrying Value	5	5	4	3	7	7	7	6	5	5	5	4
Restricted Cash And Cash Equivalents	-	-	-	-	-	-	-	-	-	-	0	0
Trading Securities	0	0	0	0	0	0	0	0	0	0	0	0
Investments
Debt Securities Available For Sale Excluding Accru…	2,373	2,460	2,511	2,567	2,409	2,415	2,338	2,230	2,096	1,898	2,099	1,513
Debt Securities Held To Maturity Excluding Accrued…	259	265	269	310	316	322	327	333	339	544	549	519
Equity Securities Fv Ni And Without Readily Determ…	65	64	63	62	60	49	55	46	41	40	38	42
Loans And Leases Receivab…
Loans Receivable Held For Sale Net Not Part Of Dis…	8	9	16	16	19	17	18	16	21	28	28	26
Financing Receivable Excluding Accrued Interest Af…	-	8,031	7,999	7,919	7,991	7,671	7,616	7,589	7,482	7,383	7,373	7,104
Financing Receivable Covered And Not Covered After…	-	8,040	8,014	7,935	8,010	7,688	7,634	7,605	7,503	7,411	7,402	7,130
Real Estate Acquired Through Foreclosure	2	2	2	3	3	4	4	4	7	11	11	10
Interest Receivable	70	70	71	72	74	70	72	70	73	72	71	68
Deferred Income Tax Assets Net	113	120	104	7	7	6	6	4	4	4	5	11
Other Assets
Other Assets	115	95	92	217	190	139	149	168	151	118	115	120
Property Plant And Equipment Net	96	93	94	101	102	104	105	105	104	105	104	103
Customers Liability For Acceptances Net	-	23	22	30	28	35	32	26	29	26	26	31
Servicing Asset At Fair Value Amount	68	67	66	67	69	69	70	69	50	50	50	51
Goodwill	84	84	84	84	84	84	84	84	84	84	84	84
Intangible Assets Net Excluding Goodwill	8	9	10	11	12	14	15	16	18	19	21	22
Operating Lease Right Of Use Asset	20	20	21	23	17	19	19	20	20	22	22	20
Assets	12,155	12,048	12,466	12,230	12,232	11,729	11,501	11,461	11,259	11,159	11,344	10,257
Liabilities And Stockhold…
Demand Deposit Accounts	4,887	5,348	5,800	5,792	5,801	5,841	5,627	5,860	6,017	6,037	6,050	4,895
Deposits Savings Deposits	2,358	2,368	2,260	2,208	2,131	2,108	2,065	2,020	2,002	2,002	2,088	2,216
Deposits
Deposits	9,983	9,849	10,263	10,009	10,144	9,923	9,605	9,609	9,605	9,548	9,762	8,542
Time Deposits	2,738	2,134	2,203	2,008	2,212	1,974	1,912	1,729	1,586	1,510	1,624	1,430
Securities Sold Under Agreements To Repurchase	100	100	101	101	27	0	75	-	-	-	0	151
Advances From Federal Home Loan Banks	457	457	457	457	457	256	326	271	201	201	201	301
Debt And Capital Lease Ob…
Other Borrowings	0	0	0	-	-	-	0	0	0	0	0	0
Other Liabilities
Bank Acceptances Executed And Outstanding	19	23	22	30	28	35	32	26	29	26	26	31
Operating Lease Liability	21	22	23	25	19	21	21	23	23	24	24	22
Deferred Income Tax Liabilities Net	1	0	0	50	48	44	41	58	34	23	22	-
Accrued Liabilities Current And Noncurrent	166	230	210	183	174	155	147	158	140	122	116	115
Liabilities	10,747	10,681	11,076	10,854	10,897	10,434	10,246	10,143	10,031	9,944	10,151	9,162
Common Stock Value	60	60	60	60	60	60	60	60	60	60	60	60
Additional Paid In Capital	642	641	643	641	640	638	640	639	638	636	639	637
Statutory Accounting Practices Statutory Capital A…	199	194	188	184	179	174	170	165	161	156	151	147
Stockholders Equity
Retained Earnings Accumulated Deficit	977	938	905	867	833	802	772	738	707	672	639	607
Stockholders Equity	1,407	1,367	1,390	1,375	1,334	1,295	1,254	1,318	1,228	1,216	1,193	1,095
Treasury Stock Common Value	-432	-432	-389	-349	-329	-321	-297	-251	-251	-227	-228	-228
Accumulated Other Comprehensive Income Loss Net Of…	-39	-34	-17	-27	-49	-58	-90	-33	-86	-82	-67	-128
Liabilities And Stockholders Equity	12,155	12,048	12,466	12,230	12,232	11,729	11,501	11,461	11,259	11,159	11,344	10,257
Trading Securities Debt Amortized Cost	0	0	0	0	0	0	0	0	0	0	0	0
Debt Securities Available For Sale Amortized Cost …	2,418	2,499	2,529	2,598	2,466	2,483	2,444	2,268	2,198	1,994	2,178	1,664
Debt Securities Available For Sale Amortized Cost …	0	0	0	0	0	0	0	0	0	0	0	0
Held To Maturity Securities Fair Value	214	220	225	263	265	268	267	284	279	484	491	442
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	0
Financing Receivable Allowance For Credit Loss Exc…	-	204	202	198	190	181	176	162	157	157	161	158
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Common Stock Shares Issued	60	60	60	60	60	60	60	60	60	60	60	60
Shares Outstanding	42	42	43	44	45	45	45	47	47	47	47	47
Treasury Stock Common Shares	18	18	17	16	15	15	14	13	13	13	13	13
Other Comprehensive Income Loss Tax	-	-	-	-	-	10	16	4	15	14	11	23
Aoci Tax Attributable To Parent	6	5	2	4	8	-	16	-	-	-	-	-

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.96%	6.35%	14.73%	-	-	-	-	-	-	-	-	-
2025	-1.15%	3.53%	4.79%	6.96%	6.79%	-4.63%	-2.02%	2.96%	-8.38%	-7.92%	2.18%	5.44%
2024	-2.62%	-1.19%	22.68%	11.17%	7.35%	-5.27%	-1.92%	-6.72%	-6.06%	-4.49%	-14.26%	1.83%
2023	-	-	-	-	-	-	9.71%	18.81%	20.36%	0.00%	-1.77%	6.69%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.59	-0.60	-0.62	-0.60	-0.60	-0.59	-0.31	0.13	0.91	3.35	4.01	5.03
Per Share Metrics
Diluted EPS TTM	5.20	4.97	4.58	4.47	4.32	4.26	4.23	4.15	4.08	3.91	3.82	3.83
Free Cash Flow Per Share TTM	4.80	4.43	4.47	4.06	4.38	5.63	4.96	6.41	7.06	6.02	5.88	4.65
Dividend Per Share TTM	1.30	1.25	1.16	1.13	1.08	1.03	0.98	0.96	0.92	0.89	0.87	0.85
Margin Metrics
Gross Profit Margin TTM	78.44%	78.03%	77.92%	78.16%	78.40%	78.49%	78.43%	77.38%	79.06%	81.37%	84.42%	89.36%
Operating Profit Margin TTM	31.96%	30.98%	29.98%	30.95%	31.45%	32.44%	33.82%	36.59%	38.36%	39.22%	40.88%	42.84%
Net Profit Margin TTM	27.95%	27.16%	26.26%	25.79%	25.53%	25.67%	26.41%	26.40%	26.97%	27.12%	28.03%	29.37%
Growth Metrics
Net Revenue Growth (1Y)	3.39%	3.94%	4.09%	5.10%	6.98%	10.65%	15.63%	19.07%	21.39%	23.88%	25.86%	28.17%
Net Income Growth (1Y)	13.21%	10.01%	3.50%	2.64%	1.26%	4.70%	8.96%	7.03%	7.61%	5.94%	9.40%	18.60%
EPS Growth (1Y)	20.16%	16.46%	8.34%	7.56%	6.00%	8.87%	10.41%	8.31%	8.33%	7.07%	11.20%	19.72%
Valuation Metrics
P/E TTM	9.41	8.05	8.76	9.53	9.64	9.07	9.60	10.30	8.71	8.85	9.15	7.23
P/B TTM	1.47	1.26	1.29	1.38	1.41	1.36	1.52	1.52	1.36	1.35	1.39	1.20
P/S TTM	2.63	2.19	2.30	2.46	2.46	2.33	2.53	2.72	2.35	2.40	2.56	2.12
Market Cap	2.07B	1.72B	1.80B	1.90B	1.88B	1.76B	1.90B	2.00B	1.67B	1.64B	1.66B	1.31B
Enterprise Value	1.33B	1.08B	756.50M	1.16B	1.02B	1.05B	1.31B	1.32B	934.21M	885.52M	915.54M	781.07M
Calculated Values
Free Cash Flow TTM	202.66M	189.38M	199.34M	180.24M	196.49M	255.08M	231.16M	298.22M	331.29M	283.52M	277.80M	219.26M
Net Debt	-745.71M	-636.50M	-1.04B	-740.35M	-851.80M	-710.60M	-591.14M	-680.59M	-740.43M	-754.39M	-748.17M	-532.70M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-02-20Purchase

Owner: Franqui, Annette

Title: -

Shares: 1,540

Price/Share: $42.07

Value: $64,787.80

Shares Owned: 3,440

Relationship: Director

Ownership: Direct

2025-12-22Sale

Owner: De, Jesus Nestor

Title: -

Shares: 2,000

Price/Share: $42.31

Value: $84,620.00

Shares Owned: 22,690

Relationship: Director

Ownership: Direct

2025-12-15Sale

Owner: Ortiz, Cesar A

Title: Chief Risk Officer

Shares: 5,500

Price/Share: $42.18

Value: $231,990.00

Shares Owned: 351

Relationship: Officer

Ownership: Direct

2025-11-12Sale

Owner: Fernandez, Jose Rafael

Title: CEO; Chairman BOD

Shares: 25,232

Price/Share: $40.95

Value: $1,033,250.40

Shares Owned: 184,675

Relationship: Director,Officer

Ownership: Direct

2025-11-10Sale

Owner: Colon, Jorge

Title: -

Shares: 25,000

Price/Share: $40.85

Value: $1,021,250.00

Shares Owned: 27,543

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-02-20	Franqui, Annette	Director	-	Direct	Purchase	1,540	42.07	$64,787.80	3,440	4
2025-12-22	De, Jesus Nestor	Director	-	Direct	Sale	2,000	42.31	$84,620.00	22,690	4
2025-12-15	Ortiz, Cesar A	Officer	Chief Risk Officer	Direct	Sale	5,500	42.18	$231,990.00	351	4
2025-11-12	Fernandez, Jose Rafael	Director,Officer	CEO; Chairman BOD	Direct	Sale	25,232	40.95	$1,033,250.40	184,675	4
2025-11-10	Colon, Jorge	Director	-	Direct	Sale	25,000	40.85	$1,021,250.00	27,543	4
2025-06-10	Arizmendi, Maritza	Officer	Chief Financial Officer	Direct	Sale	5,000	42.30	$211,500.00	58,470	4
2025-05-05	Arizmendi, Maritza	Officer	Chief Financial Officer	Direct	Sale	5,000	41.44	$207,200.00	63,470	4
2024-12-04	Fernandez, Jose Rafael	Director,Officer	CEO & Chairperson BOD	Direct	Sale	50,000	45.24	$2,262,000.00	284,775	4
2024-11-06	Colon, Jorge	Director	-	Direct	Sale	10,000	46.40	$464,000.00	49,743	4
2024-07-30	Colon, Jorge	Director	-	Direct	Sale	11,176	45.56	$509,178.56	59,743	4
2024-05-06	Kumar, Ganesh	Officer	Chief Strategy Officer, US	Direct	Sale	20,074	38.00	$762,812.00	91,335	4
2024-03-28	Kumar, Ganesh	Officer	Chief Strategy Officer, US	Direct	Sale	7,628	36.40	$277,659.20	111,409	4
2024-03-21	Kumar, Ganesh	Officer	Chief Strategy Officer, US	Direct	Sale	9,697	36.40	$352,970.80	134,805	4
2024-03-07	Fernandez, Jose Rafael	Director,Officer	CEO & Vice Chairperson BOD	Direct	Sale	55,000	37.51	$2,063,050.00	360,425	4
2023-12-19	Kumar, Ganesh	Officer	Chief Strategy Officer, US	Direct	Sale	5,689	38.00	$216,182.00	125,010	4
2023-12-18	De, Jesus Nestor	Director	-	Direct	Sale	3,000	36.94	$110,820.00	17,890	4
2023-12-14	Kumar, Ganesh	Officer	Chief Strategy Officer, US	Direct	Sale	8,081	37.16	$300,289.96	130,699	4
2023-12-14	De, Jesus Nestor	Director	-	Direct	Sale	2,000	37.96	$75,920.00	20,890	4
2023-12-06	Ortiz, Cesar A	Officer	Chief Risk Officer	Direct	Sale	2,303	35.86	$82,585.58	0	4
2023-12-01	Kumar, Ganesh	Officer	Chief Strategy Officer, US	Direct	Sale	10,000	34.70	$347,000.00	144,744	4
2023-11-20	Arizmendi, Maritza	Officer	Chief Financial Officer	Direct	Sale	6,129	33.39	$204,647.31	48,536	4
2023-11-15	Inclan, Julian	Director	-	Direct	Sale	15,000	33.87	$508,050.00	103,967	4
2023-09-25	Haggarty, Patrick J.	Officer	Managing Director Comm. Bankin	Direct	Sale	21,100	28.36	$598,396.00	20,268	4
2023-09-25	Haggarty, Patrick J.	Officer	Managing Director Comm. Bankin	Indirect	Sale	3,348	28.96	$96,949.97	6,730	5
2023-08-04	Fernandez, Jose Rafael	Director,Officer	CEO & Vice Chairperson BOD	Direct	Sale	25,000	33.41	$835,250.00	383,388	4
2023-08-01	Kumar, Ganesh	Officer	Chief Strategy Officer, US	Indirect	Sale	8,804	32.88	$289,475.52	0	4
2023-07-31	Colon, Jorge	Director	-	Direct	Sale	3,277	33.32	$109,189.64	100,000	4
2023-07-31	Fernandez, Jose Rafael	Director,Officer	CEO & Vice Chairperson BOD	Direct	Sale	50,000	33.11	$1,655,500.00	408,388	4
2023-07-25	Kumar, Ganesh	Officer	Chief Strategy Officer, US	Indirect	Sale	7,812	33.75	$263,655.00	0	4
2023-07-25	Fernandez, Jose Rafael	Director,Officer	CEO & Vice Chairperson BOD	Indirect	Sale	7,472	33.75	$252,180.00	0	4
2023-07-24	Kumar, Ganesh	Officer	Chief Strategy Officer, US	Direct	Sale	35,638	33.87	$1,207,059.06	131,929	4/A
2023-06-07	Fernandez, Jose Rafael	Director,Officer	CEO & Vice Chairperson BOD	Indirect	Sale	20,152	27.89	$562,039.28	0	4
2023-03-03	Colon, Jorge	Director	-	Indirect	Sale	40,870	29.76	$1,216,291.20	0	4
2023-02-27	Kumar, Ganesh	Officer	Chief Operating Officer	Direct	Sale	6,468	30.00	$194,040.00	167,567	4
2023-02-23	Kumar, Ganesh	Officer	Chief Operating Officer	Direct	Sale	10,000	30.00	$300,000.00	155,267	4
2023-02-21	Perez, Edwin	Director	-	Direct	Sale	15,000	29.50	$442,500.00	35,000	4
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Institutional Ownership

No data available for chart

2026-03-31

86.83%

Inst. Shares: 37,152,334

Shares Outstanding: 42,786,000

2025-12-31

86.48%

Inst. Shares: 38,529,993

Shares Outstanding: 44,552,000

2025-09-30

88.30%

Inst. Shares: 39,231,255

Shares Outstanding: 44,430,000

2025-06-30

89.06%

Inst. Shares: 39,947,452

Shares Outstanding: 44,854,000

2025-03-31

89.74%

Inst. Shares: 40,647,321

Shares Outstanding: 45,295,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	37,152,334	42,786,000	86.83%
2025-12-31	38,529,993	44,552,000	86.48%
2025-09-30	39,231,255	44,430,000	88.30%
2025-06-30	39,947,452	44,854,000	89.06%
2025-03-31	40,647,321	45,295,000	89.74%
2024-12-31	40,030,395	46,637,000	85.83%
2024-09-30	40,349,303	46,560,000	86.66%
2024-06-30	40,020,194	46,952,000	85.24%
2024-03-31	40,247,460	47,096,000	85.46%
2023-12-31	40,418,757	47,258,000	85.53%
2023-09-30	40,187,251	47,114,000	85.30%
2023-06-30	39,819,873	47,266,000	84.25%
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OFG BANCORP (OFG) — SEC Financial Statements & Analysis

OFG BANCORP (OFG) is a state commercial banks company, incorporated in PR. OFG BANCORP trades on NYSE as: OFG. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), OFG BANCORP reported a 3.39% year-over-year revenue growth, a Gross Profit Margin of 78.44% (TTM), a Price-to-Sales (P/S) ratio of 2.63x (TTM), a Price-to-Book (P/B) ratio of 1.47x (TTM), at a market cap of $2.07B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 3.39%
Gross Profit Margin TTM: 78.44%
P/S TTM: 2.63x
P/B TTM: 1.47x
Market Cap: $2.07B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is OFG BANCORP in?

OFG BANCORP (OFG) operates in the State Commercial Banks industry.

What is OFG's market cap?

OFG BANCORP (OFG) has a market capitalization of $2.07B as of 2026-06-30.

What is OFG's P/E ratio?

OFG BANCORP (OFG)'s trailing twelve month P/E ratio is 9.41x as of 2026-06-30.

What exchange does OFG trade on?

OFG BANCORP (OFG) trades on the NYSE.

Where is OFG BANCORP incorporated?

OFG BANCORP is incorporated in PR.

OFG BANCORP

Financial Statements

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OFG BANCORP (OFG) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in State Commercial Banks

Wall Street's data.
Main Street's price.

OFG BANCORP (OFG) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in State Commercial Banks

Wall Street's data.Main Street's price.

Wall Street's data.
Main Street's price.