OFG Bancorp (OFG)
Puerto Rico banking franchise spanning lending, deposits, wealth management, insurance, and trust services.
$51.93
vs last close+0.22 (+0.44%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 184 | 203 | 201 | 207 | 205 | 210 | 207 | 210 | 217 | 229 | 226 | 231 |
| Cost of revenue | 40 | 52 | 54 | 56 | 63 | 71 | 66 | 64 | 74 | 44 | 63 | 53 |
| Gross profit | 144 | 151 | 147 | 151 | 142 | 139 | 141 | 146 | 143 | 184 | 164 | 178 |
| 78 | 82 | 79 | 79 | 81 | 86 | 82 | 80 | 82 | 105 | 95 | 103 | |
| 43 | 47 | 45 | 44 | 44 | 48 | 45 | 45 | 46 | 105 | 55 | 55 | |
| Selling & marketing | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 58 | 0 | 0 |
| General & administrative | 41 | 44 | 43 | 42 | 41 | 46 | 43 | 43 | 43 | 46 | 55 | 55 |
| Other expenses | 35 | 35 | 34 | 35 | 37 | 38 | 36 | 35 | 36 | 0 | 40 | 48 |
| Operating income | 66 | 68 | 68 | 71 | 62 | 53 | 59 | 66 | 61 | 79 | 69 | 74 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −32 | 0 | 0 | |
| Interest income | 166 | 176 | 183 | 188 | 189 | 190 | 189 | 194 | 200 | 197 | 194 | 197 |
| Interest expense | 24 | 33 | 39 | 40 | 41 | 41 | 40 | 42 | 45 | 44 | 40 | 40 |
| Income before tax | 66 | 68 | 68 | 71 | 62 | 53 | 59 | 66 | 61 | 47 | 69 | 74 |
| Income tax expense | 21 | 22 | 18 | 20 | 15 | 2 | 14 | 14 | 10 | −8 | 15 | 16 |
| Net income from continuing operations | 45 | 47 | 50 | 51 | 47 | 50 | 46 | 52 | 52 | 56 | 54 | 59 |
| Net income | 45 | 47 | 50 | 51 | 47 | 50 | 46 | 52 | 52 | 56 | 54 | 59 |
| EPS, basic | $0.95 | $0.99 | $1.06 | $1.09 | $1.01 | $1.10 | $1.01 | $1.15 | $1.17 | $1.20 | $1.26 | $1.39 |
| EPS, diluted | $0.93 | $0.98 | $1.05 | $1.08 | $1.00 | $1.09 | $1.00 | $1.15 | $1.16 | $1.18 | $1.26 | $1.39 |
| Weighted average shares, basic | 47 | 47 | 47 | 47 | 47 | 46 | 45 | 45 | 44 | 47 | 43 | 42 |
| Weighted average shares, diluted | 48 | 47 | 47 | 47 | 47 | 46 | 46 | 45 | 45 | 47 | 43 | 42 |
| EBITDA | 73 | 75 | 75 | 78 | 69 | 59 | 66 | 72 | 68 | 86 | 75 | 80 |
| Depreciation & amortization | 7 | 7 | 7 | 7 | 7 | 6 | 6 | 6 | 7 | 6 | 6 | 6 |
| EBIT | 66 | 68 | 68 | 71 | 62 | 53 | 59 | 66 | 61 | 79 | 69 | 74 |
