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OFG Bancorp OFG Retained loans reclassified to held-for-sale

Retained loans reclassified to held-for-sale at other companies

OFG Bancorp logo
OFG BancorpOFG
$11.08M
Valley National Bank logo
Valley National BankVLY
$0-100%
Hope Bancorp logo
Hope BancorpHOPE
$28.72M-49.4%
OceanFirst Financial logo
OceanFirst FinancialOCFC
$2.04M+14.6%
TFI
Triumph FinancialTFIN
$5.98M+5.0%
Sachem Capital Corp. logo
Sachem Capital Corp.SACH
$9.37M

Other financials

Income statement

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Revenue$190.3M+4.4%
Net income$58.8M+13.5%
EPS (diluted)$1.39+20.9%

Balance sheet

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Cash & equivalents$745.7M-12.5%
Total debt$21.4M+10.4%
Total equity$1.4B+5.5%
Total assets$12.2B-0.6%

Cash flow

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Operating cash flow$53.2M+48.0%
CapEx$8.1M+96.0%
Free cash flow$45.1M+41.8%

Valuation

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Market cap$2.24B+18.5%
Enterprise value$1.51B+43.4%
P/E10.1×+0.5×
P/S+0.4×

Profitability

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Net margin29.5%+2.4pp
FCF margin27.1%-0.2pp

Returns & leverage

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Return on equity16.1%+0.9pp
Debt / equity0.0×

Where this comes from

Reported directly by OFG Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableReclassificationToHeldForSale.

The source filing: OFG Bancorp’s 10-K, filed February 25, 2026.

Filed
Feb 25, 2026, 2:39 PM EST
Fiscal year
FY2025
Accession
0001030469-26-000008
Line itemDecember 31, 2025December 31, 2024December 31, 2023
Operating lease liabilities paid$9,230$9,587$10,117
Mortgage loans held-for-sale securitized into mortgage-backed securities$82,780$74,660$93,565
Transfer from loans to foreclosed real estate and other repossessed assets$47,768$44,755$53,400
Reclassification of loans held-for-investment portfolio to held-for-sale portfolio$13,062$34,684$53,021
Reclassification of loans held-for-sale portfolio to held-for-investment portfolio$15,653$13,622$8,763
Financed repayment of debt security at maturity$35,000
Financed sales of foreclosed real estate$711$1,349$585
Delinquent loans booked under the GNMA buy-back option$56,492$48,586$19,401

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is OFG Bancorp's retained loans reclassified to held-for-sale?
OFG Bancorp (OFG) reported retained loans reclassified to held-for-sale of $11.08M in Q4 2025.
What is the long-term trend for OFG Bancorp's retained loans reclassified to held-for-sale?
Over 3 years (2022 to 2025), OFG Bancorp's retained loans reclassified to held-for-sale has grown at a -11.1% compound annual growth rate (CAGR), from $18.57M to $13.06M.
What does retained loans reclassified to held-for-sale mean?
This metric measures the volume of loans reclassified from the held-for-investment portfolio to the held-for-sale category. It reflects management's strategic decision to divest specific loan assets rather than holding them to maturity. This activity is often used to manage capital ratios, liquidity, or interest rate risk exposure.

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