Financial Statements — OFG
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.75 | 0.64 | 0.74 | 0.85 | 0.71 | 0.68 | 0.74 | 0.75 | 0.53 | 0.80 | 0.85 | 0.82 | 1.31 | 1.86 | 2.76 | 2.77 | 2.41 |
| Net Loans & Leases | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 6.70 | 6.53 | 6.54 | 6.39 | -- | -- | -- |
| Total Assets | 12.15 | 12.05 | 12.23 | 12.23 | 11.73 | 11.46 | 11.26 | 11.16 | 10.26 | 10.03 | 10.06 | 10.06 | 10.25 | 10.19 | 10.61 | 10.46 | 10.15 |
| Total Deposits | 9.98 | 9.85 | 10.01 | 10.14 | 9.92 | 9.61 | 9.61 | 9.55 | 8.54 | 8.54 | 8.57 | 8.86 | 9.03 | 8.98 | 9.24 | 9.09 | 8.76 |
| Total Liabilities | 10.75 | 10.68 | 10.85 | 10.90 | 10.43 | 10.14 | 10.03 | 9.94 | 9.16 | 8.93 | 8.97 | 9.06 | 9.23 | 9.15 | 9.55 | 9.38 | 9.04 |
| Retained Earnings | 0.98 | 0.94 | 0.87 | 0.83 | 0.80 | 0.74 | 0.71 | 0.67 | 0.61 | 0.58 | 0.55 | 0.48 | 0.46 | 0.43 | 0.38 | 0.35 | 0.32 |
| Total Stockholder Equity | 1.41 | 1.37 | 1.38 | 1.33 | 1.30 | 1.32 | 1.23 | 1.22 | 1.10 | 1.10 | 1.09 | 0.99 | 1.01 | 1.04 | 1.05 | 1.08 | 1.11 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Interest & Dividend Income | 197.15 | 194.13 | 197.22 | 200.15 | 194.35 | 189.22 | 190.16 | 189.03 | 187.66 | 183.43 | 176.20 | 165.71 | 157.99 | 148.99 | 145.73 | 134.68 | 122.22 | 112.95 | 112.62 | 112.14 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | -- | 39.32 | 32.66 | 23.92 | 18.34 | 13.09 | 10.45 | 8.16 | 7.13 | 7.76 | 8.41 | 9.43 |
| Net Interest Income | 157.30 | 153.81 | 152.74 | 154.72 | 151.93 | 149.07 | 149.14 | 147.88 | 147.32 | 144.10 | 143.54 | 141.79 | 139.64 | 135.90 | 135.28 | 126.51 | 115.09 | 105.19 | 104.20 | 102.71 |
| Provision for Credit Losses | 13.01 | 22.48 | 31.89 | 28.26 | 21.68 | 25.69 | 30.19 | 21.36 | 15.58 | 15.12 | 19.72 | 16.43 | 15.04 | 9.45 | 8.76 | 7.12 | 6.69 | 1.55 | 7.20 | (5.00) |
| Non-interest Income | 33.02 | 32.17 | 31.58 | 31.45 | 30.43 | 29.52 | 33.56 | 26.87 | 32.48 | 30.35 | 38.71 | 30.70 | 30.07 | 28.90 | 33.25 | 30.62 | 36.21 | 31.61 | 38.10 | 32.52 |
| Non-interest Expense | 102.83 | 94.70 | 105.01 | 96.55 | 94.80 | 93.45 | 99.72 | 91.60 | 92.96 | 91.41 | 94.10 | 90.16 | 88.89 | 90.22 | 91.64 | 87.49 | 85.26 | 81.16 | 86.49 | 78.92 |
| Pretax Income | 74.48 | 68.79 | 47.42 | 61.37 | 65.88 | 59.45 | 52.79 | 61.78 | 71.26 | 67.92 | 68.43 | 65.90 | 65.79 | 65.13 | 68.14 | 62.52 | 59.36 | 54.09 | 48.61 | 61.30 |
| Tax Provision | 15.71 | 14.86 | (8.47) | 9.53 | 14.08 | 13.88 | 2.44 | 14.78 | 20.13 | 18.23 | 21.84 | 21.03 | 21.61 | 18.90 | 21.77 | 20.60 | 18.92 | 16.57 | 15.33 | 19.62 |
| Net Income | 58.78 | 53.94 | 55.89 | 51.84 | 51.80 | 45.57 | 50.35 | 47.00 | 51.13 | 49.69 | 46.60 | 44.87 | 44.17 | 46.23 | 46.37 | 41.92 | 40.43 | 37.52 | 33.28 | 41.67 |
| Basic EPS | 1.39 | 1.26 | 1.27 | 1.17 | 1.15 | 1.01 | 1.09 | 1.01 | 1.09 | 1.06 | 1.00 | 0.95 | 0.93 | 0.97 | 0.97 | 0.88 | 0.84 | 0.77 | 0.67 | 0.82 |
| Diluted EPS | 1.39 | 1.26 | 1.27 | 1.16 | 1.15 | 1.00 | 1.10 | 1.00 | 1.08 | 1.05 | 0.99 | 0.95 | 0.93 | 0.96 | 0.97 | 0.87 | 0.84 | 0.76 | 0.66 | 0.81 |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 53.20 | 73.12 | 59.21 | 39.50 | 35.93 | 83.07 | 38.28 | 58.15 | 95.09 | 60.99 | 107.52 | 88.79 | 47.14 | 52.20 | 48.91 | 25.86 | 50.48 | 39.20 | 7.92 | 23.69 |
| Capital Expenditures | 8.13 | 4.36 | 5.90 | 3.99 | 4.15 | 4.35 | 4.06 | 6.38 | 4.72 | 6.19 | 6.25 | 3.95 | 4.54 | 3.12 | 6.17 | 7.45 | 8.31 | 9.07 | 8.90 | 4.52 |
| Free Cash Flow* | 45.06 | 68.77 | 53.32 | 35.52 | 31.78 | 78.72 | 34.22 | 51.77 | 90.37 | 54.81 | 101.28 | 84.84 | 42.61 | 49.08 | 42.74 | 18.42 | 42.17 | 30.13 | (0.98) | 19.17 |
| Investing Cash Flow | (52.26) | (1.39) | 27.88 | (60.08) | (308.86) | (97.32) | (206.80) | (186.71) | (105.98) | 163.52 | (856.26) | (572.67) | (45.94) | 70.12 | (21.92) | (373.70) | (592.15) | (525.17) | (59.12) | (117.94) |
| Financing Cash Flow | 108.27 | (475.56) | 212.90 | (90.87) | 414.12 | 133.71 | 79.07 | 68.72 | (3.06) | (218.29) | 964.21 | 217.60 | (49.72) | 174.71 | (291.96) | (144.01) | (6.78) | 318.05 | (680.84) | 82.25 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Dividends Per Share | 0.35 | 0.35 | 0.30 | 0.30 | 0.30 | 0.30 | 0.25 | 0.25 | 0.25 | 0.25 | 0.22 | 0.22 | 0.22 | 0.22 | 0.20 | 0.20 | 0.15 | 0.15 | 0.12 | 0.12 |
