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OFG Bancorp OFG Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$185.4MBeat by $1.2M
EPS$1.27Beat by $0.11
Revenue estimate$184.2M
EPS estimate$1.16

Next report

Oct 21, 2026 (in 3 months)
Revenue estimate$186.5M
EPS estimate$1.25

Financials

Q4 2025

Income statement

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Revenue$184.3M+0.9%
Net income$55.9M+11.0%
EPS (diluted)$1.27+16.5%

Balance sheet

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Cash & equivalents$1.0B+76.0%
Total debt$23.2M+8.3%
Total equity$1.4B+10.8%
Total assets$12.5B+8.4%

Cash flow

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Operating cash flow$59.2M+54.7%
CapEx$5.9M+45.4%
Free cash flow$53.3M+55.8%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.8B-7.3%
Enterprise value$784.11M-42.9%
P/E8.8×-1.0×
P/S2.5×-0.3×

Profitability

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Net margin28%+0.2pp
FCF margin27.3%-5.2pp

Returns & leverage

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Return on equity15.5%-0.7pp
Debt / equity0×0.0×

FAQ

When did OFG Bancorp report Q4 2025 earnings?
OFG Bancorp (OFG) reported Q4 2025 earnings on January 22, 2026 before market open.
What were OFG Bancorp's Q4 2025 revenue and EPS?
OFG Bancorp reported revenue of $185.4M and eps of $1.27 for Q4 2025.
Did OFG Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $184.2M by $1.2M. EPS beat the consensus estimate of $1.16 by $0.11.
How did OFG Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 11.7% from $210.1M a year earlier and eps grew 16.5% from $1.09.
Where can I find OFG Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001030469-26-000004) and the 10-K periodic report (0001030469-26-000008) directly on SEC EDGAR. The filing index links above go to sec.gov.