OFG Bancorp (OFG) Earnings History
Elite Compounder38 years of earnings data (1988–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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OFG Bancorp (OFG) Earnings Overview
As of July 8, 2026, OFG Bancorp (OFG) reported trailing twelve-month net income of $213M, reflecting +6.1% year-over-year growth. The company earned $4.97 per diluted share over the past four quarters, with a net profit margin of 23.8%.
Looking at the long-term picture, OFG's 5-year EPS compound annual growth rate (CAGR) stands at +27.7%, indicating exceptional earnings growth. The company achieved its highest annual net income of $205M in fiscal 2025, representing a new all-time high.
OFG Bancorp maintains industry-leading profitability with a gross margin of 71.2%, operating margin of 30.8%, and net margin of 23.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FBP ($357M net income, 27.4% margin), BPOP ($901M net income, 18.8% margin), NBTB ($184M net income, 19.5% margin), OFG has room to improve margins relative to the peer group. Compare OFG vs FBP →
OFG Earnings vs Peers
Earnings metrics vs comparable public companies
OFG Historical Earnings Data (1988–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $205M | +3.5% | $266M | $4.49 | 23.8% | 30.8% |
| 2024 | $198M | +9.0% | $254M | $4.23 | 24.1% | 30.8% |
| 2023 | $182M | +9.4% | $265M | $3.82 | 25.0% | 36.4% |
| 2022 | $166M | +13.7% | $244M | $3.44 | 27.8% | 40.8% |
| 2021 | $146M | +96.6% | $215M | $2.81 | 27.1% | 39.8% |
| 2020 | $74M | +38.0% | $95M | $1.32 | 13.7% | 17.5% |
| 2019 | $54M | -36.2% | $75M | $0.92 | 12.5% | 17.5% |
| 2018 | $84M | +60.3% | $133M | $1.52 | 21.1% | 33.1% |
| 2017 | $53M | -11.0% | $68M | $0.86 | 13.6% | 17.6% |
| 2016 | $59M | +2463.7% | $85M | $1.03 | 15.3% | 22.1% |
| 2015 | -$3M | -102.9% | -$20M | $-0.37 | -0.6% | -5.2% |
| 2014 | $85M | -13.5% | $122M | $1.50 | 17.9% | 25.7% |
| 2013 | $98M | +300.9% | $90M | $1.73 | 20.3% | 18.5% |
| 2012 | $25M | -28.7% | $28M | $0.35 | 8.1% | 9.2% |
| 2011 | $34M | +250.3% | $35M | $0.67 | 10.6% | 10.9% |
| 2010 | $10M | -57.1% | $6M | $-0.50 | 3.3% | 1.8% |
| 2009 | $23M | -14.4% | $30M | $0.75 | 5.8% | 7.6% |
| 2008 | $27M | -35.1% | $17M | $0.90 | 6.9% | 4.5% |
| 2007 | $41M | +908.2% | $43M | $1.50 | 12.4% | 12.9% |
| 2006 | -$5M | -115.1% | -$7M | $-0.40 | -2.0% | -2.7% |
| 2005 | $34M | -43.3% | $34M | $1.53 | 13.9% | 14.0% |
| 2004 | $60M | -0.1% | $58M | $2.14 | 26.6% | 25.9% |
| 2003 | $60M | +16.4% | $65M | $2.11 | 28.4% | 31.0% |
| 2002 | $51M | +33.5% | $56M | $1.64 | 26.9% | 29.2% |
| 2001 | $38M | +354.0% | $39M | $1.65 | 22.2% | 22.6% |
| 2000 | $8M | -56.7% | $7M | $0.40 | 6.1% | 5.2% |
| 1999 | $20M | -26.4% | $20M | $0.79 | 13.1% | 13.2% |
| 1998 | $27M | +24.3% | $27M | $1.22 | 18.8% | 19.0% |
| 1997 | $21M | +28.9% | $25M | $0.98 | 17.3% | 20.5% |
| 1996 | $17M | +12.9% | $20M | $0.76 | 16.7% | 19.8% |
| 1995 | $15M | +21.5% | $18M | $0.19 | 17.2% | 21.5% |
| 1994 | $12M | +72.9% | $15M | $0.13 | 17.4% | 21.6% |
| 1992 | $7M | +233.3% | $9M | $0.05 | 16.1% | 20.4% |
| 1991 | $2M | +110.0% | $3M | $0.02 | 6.1% | 7.6% |
| 1990 | $1M | - | $0 | $0.01 | 3.4% | 0.0% |
| 1989 | $0 | +100.0% | $0 | $0.00 | 0.0% | 0.0% |
| 1988 | $-500,000 | - | $0 | $-0.00 | -2.2% | 0.0% |
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OFG — Frequently Asked Questions
Quick answers to the most common questions about buying OFG stock.
What is OFG earnings per share (EPS)?
OFG trailing twelve-month (TTM) diluted EPS is $4.97, reflecting +6.1% year-over-year growth. The 5-year EPS CAGR is +27.7%. Complete EPS history from 1988 to 2025 is available in the table on this page.
What is OFG Bancorp's net income?
OFG Bancorp (OFG) trailing twelve-month net income is $213M as of 2025. Earnings grew +6.1% year-over-year. OFG Bancorp has been profitable for 10 consecutive years.
Is OFG profitable?
Yes, OFG is profitable with a TTM net income of $213M and a net profit margin of +23.8%. OFG Bancorp has generated profits for 10 consecutive years.
What is OFG's earnings growth rate?
OFG compound annual EPS growth rates (CAGR): 1-Year: +6.1%, 3-Year: +9.3%, 5-Year: +27.7%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1988 to 2025.
What are OFG's profit margins?
OFG Bancorp net profit margin is +23.8%, operating margin is +30.8%, and gross margin is +71.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +15.5%.
Is OFG growing earnings?
OFG is growing earnings steadily. YoY EPS growth of +6.1% is consistent with the 5-year CAGR of +27.7%. TTM net income is $213M.
What was OFG's best earnings year?
OFG Bancorp's highest annual net income on record is $205M, achieved in fiscal year 2025. Earnings history on this page spans 1988 to 2025 and includes all annual and quarterly figures.
What were OFG's earnings last quarter?
OFG's most recent reported quarter was Q1 2026. Net income was $54M with diluted EPS of $1.26. For a full breakdown of all quarters, see the quarterly earnings table on this page.