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OFG Bancorp (OFG) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · OFG Bancorp (OFG) Q3 2026 earnings results →

Q3 2026 Revenue up 0% year over year to $186M · 30¢ of every $1 of revenue kept as net profit · operating margin 38.6%

OFG Bancorp made $186M in Q3 2026 (0% Y/Y): Net interest income $154M, Noninterest income $32.6M. Operating margin 38.6%, net earnings $56.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$186M
Year over year0%
Operating margin38.6%
Net earnings$56.6M
Operating cash flow$88.5M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $186.2M in Q3 2026, roughly flat year over year and down 2% from the previous quarter. Net interest income was the largest line at 82% of revenue. Noninterest income added $1.2M year over year (up 4%), 3219% of the total change. Net interest income declined 1%.

Operating profit was $71.8M, a 38.6% margin (up 5.6 points year over year). Of the extra revenue versus a year earlier, 28211% reached operating profit, above the 33% margin then. Total costs fell 8% while revenue was flat. Net earnings were $56.6M, up 9% year over year. The effective tax rate was 21.2%.

Operating cash flow was $88.5M (up 124% year over year), 156% of net earnings. Non-cash charges added back $4.2M of depreciation and amortization and $1.6M of share-based compensation. Working capital and other items added $26.0M. Capital expenditures of $5.3M left free cash flow of $83.2M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$186M0%38.6%$56.6M$88.5M

Charts

OFG Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026OFG Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$289MOperating cash flow$274MCash drawn (+) / kept (−)$174MBuybacks−$98.1MDividends−$56.2MCapital spending−$23.6MOther financing$18.1MAsset & business sales$1.4M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
OFG Bancorp: profit against cash, quarter by quarterOFG Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow$50.3M$38.3MQ4 2024$45.6M$83.1MQ1 2025$51.8M$35.9MQ2 2025$51.8M$39.5MQ3 2025$55.9M$59.2MQ4 2025$53.9M$73.1MQ1 2026$58.8M$53.2MQ2 2026$56.6M$88.5MQ3 2026
Latest (Q3 2026): Net income $56.6M, Operating cash flow $88.5M.
OFG Bancorp: diluted shares by fiscal yearOFG Bancorp: diluted shares by fiscal year52MFY202051MFY202148MFY202248MFY202347MFY202445MFY2025
-13.2% since FY2020: buybacks shrank the count.
OFG Bancorp in its industry: growth against margin (133 companies, SIC 6022)OFG Bancorp in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFOFG (+0%, 39%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About OFG Bancorp

OFG is a financial holding company headquartered in San Juan, Puerto Rico. OFG is subject to the provisions of the U.S. Bank Holding Company Act of 1956, as amended, (the “BHC Act”) and accordingly, subject to the supervision and regulation of the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”). OFG’s principal subsidiary is Oriental Bank (the “Bank”), a Federal Deposit Insurance Corporation (“FDIC”) insured Puerto Rico commercial bank founded as a federal savings and loan in 1964. OFG provides comprehensive banking and financial services and solutions to its clients through the Bank and various other subsidiaries, including commercial, consumer, auto, and mortgage lending, financial planning, insurance sales, investment advisory and security brokerage services, as well as corporate trust services.

In its own words, from its 10-K, filed Feb 25, 2026.

OFG Bancorp against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: 0% against the peers' median +10%. Operating margin: 38.6% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
OFG OFG BancorpQ3 2026$186M0%38.6%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: OFG Bancorp 10-Q on SEC EDGAR · CIK 1030469 · State Commercial Banks

Guidance and outlook

OFG Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)OFG Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)Other2Costs1
3 statements; tone +0.00 (−1 all cautious, +1 all confident); 0 hedged.
OFG Bancorp: outlook statements against the filing beforeOFG Bancorp: outlook statements against the filing beforeConfident1Cautious1

13F: who owns OFG and who is buying

Largest holders of OFG (13F)Largest holders of OFG (13F)BlackRock$302MVanguard Group$223MVanguard Portfolio Management LLC$153MDimensional Fund Advisors LP$126MState Street$123MFirst Trust Advisors LP$116MVanguard Capital Management LLC$92.0MAmerican Century Companies$85.3MCharles Schwab Investment Managem…$76.8MGeode Capital Management, LLC$57.3M
Funds' net buying of OFG by quarter (13F)Funds' net buying of OFG by quarter (13F)$4.7M2024-09−$24.2M2024-12$21.0M2025-03−$10.1M2025-06−$31.0M2025-09−$1.0M2025-12$2.8M2026-03$82.8M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on OFG

History

Every quarter: Q3 2026 results

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中文版：OFG Bancorp（OFG）财报

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