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OFG Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$83.2M in Q3 2026 · $250M over twelve months

Operating cash flow$88.5M
Capital spending−$5.3M
Free cash flow+$83.2M
Cash / net income1.6×

Analysis

In Q3 2026, OFG Bancorp generated $88.5M of operating cash flow and spent $5.3M on capital projects, leaving free cash flow of $83.2M. That is $47.7M more than in Q3 2025 ($35.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $274M; the largest uses were other investing ($289M), buybacks ($98.1M), dividends ($56.2M); besides operations, cash came from other financing ($18.1M), asset & business sales ($1.4M); the cash balance fell by $174M.

Operating cash flow was $88.5M against net income of $56.6M — 1.6× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$23.2M, deferred taxes +$7.1M, depreciation & amortization +$4.2M.

Free cash flow

OFG Bancorp: free cash flow by quarterOFG Bancorp: free cash flow by quarter$34.2MQ4 2024$78.7MQ1 2025$31.8MQ2 2025$35.5MQ3 2025$53.3MQ4 2025$68.8MQ1 2026$45.1MQ2 2026$83.2MQ3 2026
Operating cash flow less capital spending.
OFG Bancorp: operating cash flow against capital spendingOFG Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$38.3M$4.1MQ4 2024$83.1M$4.3MQ1 2025$35.9M$4.1MQ2 2025$39.5M$4.0MQ3 2025$59.2M$5.9MQ4 2025$73.1M$4.4MQ1 2026$53.2M$8.1MQ2 2026$88.5M$5.3MQ3 2026
Latest (Q3 2026): Operating cash flow $88.5M, Capital spending $5.3M.

Capital allocation, year by year

OFG Bancorp: where the cash came from (up) and went (down), by fiscal yearOFG Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $100MFY2021: Shares issued $283KFY2021: Asset sales $570KFY2021: Capital spending −$23.1MFY2021: Buybacks −$49.9MFY2021: Dividends −$19.7M$101MFY2021FY2022: Operating cash flow $164MFY2022: Asset sales $4.8MFY2022: Capital spending −$31.0MFY2022: Buybacks −$64.1MFY2022: Dividends −$30.1M$169MFY2022FY2023: Operating cash flow $296MFY2023: Asset sales $38KFY2023: Capital spending −$17.9MFY2023: Buybacks −$18.7MFY2023: Dividends −$41.0M$296MFY2023FY2024: Operating cash flow $252MFY2024: Asset sales $1KFY2024: Capital spending −$21.3MFY2024: Buybacks −$70.3MFY2024: Dividends −$45.6M$253MFY2024FY2025: Operating cash flow $218MFY2025: Asset sales $1.4MFY2025: Capital spending −$18.4MFY2025: Buybacks −$91.6MFY2025: Dividends −$51.9M$219MFY2025
Over these 5 years operating cash flow totalled $1.0B; the largest uses were buybacks ($295M) and dividends ($188M). Cash-flow statements as filed.

Where the cash came from and went

OFG Bancorp: sources (+) and uses (−) of cash, Q3 2026OFG Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$280MCash drawn (+) / kept (−)$179MOperating cash flow$88.5MOther financing$46.6MDividends−$14.9MBuybacks−$13.5MCapital spending−$5.3M
OFG Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026OFG Bancorp: sources (+) and uses (−) of cash, 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 profit to cash

OFG Bancorp: net income to operating cash flow, Q3 2026OFG Bancorp: net income to operating cash flow, Q3 2026Net income$56.6MDepreciation & amortization$4.2MStock-based pay$1.6MDeferred taxes$7.1MAccrued liabilities−$340KPrepaid and other assets$23.2MOperating cash flow$88.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$88.5M−$5.3M−$13.5M−$14.9M$179M$83.2M
Q2 2026$53.2M−$8.1M—−$14.9M−$109M$45.1M
Q1 2026$73.1M−$4.4M−$44.5M−$13.1M$404M$68.8M
Q4 2025$59.2M−$5.9M−$40.1M−$13.4M−$300M$53.3M
Q3 2025$39.5M−$4.0M−$20.4M−$13.5M$111M$35.5M
Q2 2025$35.9M−$4.1M−$7.7M−$13.6M−$141M$31.8M
Q1 2025$83.1M−$4.3M−$23.4M−$11.5M−$119M$78.7M
Q4 2024$38.3M−$4.1M−$45.9M−$11.6M$89.5M$34.2M

OFG Bancorp: income statement and cash flow

OFG Bancorp, Q3 2026: revenue $186M (0% year over year), operating margin 38.6%. The chart follows the revenue to costs, profit and cash.

OFG Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.