OFG BANCORPOFGEarnings & Financial Report
OFG Bancorp, founded in 1964, is the financial holding company for Oriental Bank, located in San Juan, Puerto Rico. OFG offers a wide range of retail and commercial banking, lending and wealth management products, services and technology, primarily in Puerto Rico and the U.S. Virgin Islands through its principal subsidiaries: Oriental Bank, Oriental Financial Services LLC, and Oriental Insurance LLC. Its headquarters are located at Oriental Center, 254 Muñoz Rivera Avenue, San Juan, PR 00918....
OFG Q4 FY2025 Key Financial Metrics
Revenue
$184.3M
Gross Profit
N/A
Operating Profit
$47.4M
Net Profit
$55.9M
Gross Margin
N/A
Operating Margin
25.7%
Net Margin
30.3%
YoY Growth
0.9%
EPS
$1.27
OFG BANCORP Q4 FY2025 Financial Summary
OFG BANCORP reported revenue of $184.3M (up 0.9% YoY) for Q4 FY2025, with a net profit of $55.9M (up 11.0% YoY) (30.3% margin).
Key Financial Metrics
| Total Revenue | $184.3M |
|---|---|
| Net Profit | $55.9M |
| Gross Margin | N/A |
| Operating Margin | 25.7% |
| Report Period | Q4 FY2025 |
OFG BANCORP Annual Revenue by Year
OFG BANCORP annual revenue history includes year-by-year totals (for example, 2025 revenue was $731.4M).
OFG BANCORP Quarterly Revenue & Net Profit History
OFG BANCORP results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $184.3M | +0.9% | $55.9M | 30.3% |
| Q3 FY2025 | $186.2M | +6.5% | $51.8M | 27.8% |
| Q2 FY2025 | $182.4M | +1.4% | $51.8M | 28.4% |
| Q1 FY2025 | $178.6M | +2.4% | $45.6M | 25.5% |
| Q4 FY2024 | $182.7M | +0.2% | $50.3M | 27.6% |
| Q3 FY2024 | $174.7M | +1.3% | $47.0M | 26.9% |
| Q2 FY2024 | $179.8M | +5.9% | $51.1M | 28.4% |
| Q1 FY2024 | $174.4M | +5.9% | $49.7M | 28.5% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $174.4M | $179.8M | $174.7M | $182.7M | $178.6M | $182.4M | $186.2M | $184.3M |
| YoY Growth | 5.9% | 5.9% | 1.3% | 0.2% | 2.4% | 1.4% | 6.5% | 0.9% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $11.16B | $11.26B | $11.46B | $11.50B | $11.73B | $12.23B | $12.23B | $12.47B |
| Liabilities | $9.94B | $10.03B | $10.14B | $10.25B | $10.43B | $10.90B | $10.85B | $11.08B |
| Equity | $1.22B | $1.23B | $1.32B | $1.25B | $1.30B | $1.33B | $1.38B | $1.39B |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $61.0M | $95.1M | $58.1M | $252.5M | $83.1M | $35.9M | $39.5M | $217.7M |