Filing Flows › OFG Bancorp (OFG) › Q3 2026 › vs Q3 2025
OFG Bancorp (OFG) Q3 2026 vs Q3 2025 (year over year)
OFG Bancorp's revenue rose $37K (0%) from $186M in Q3 2025 to $186M in Q3 2026. The biggest changes: Noninterest income +$1.2M (+4%); Net interest income −$1.2M (-0.7%). Operating margin 38.6% against 33.0% (+5.6 pts).
OFG Bancorp, Q3 2026: revenue $186M (0% year over year), operating margin 38.6%, net earnings $56.6M, operating cash flow $88.5M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 38.6% | 33.0% | +5.6 pts |
| Net margin | 30.4% | 27.8% | +2.6 pts |
| Free cash flow margin | 44.7% | 19.1% | +25.6 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $154M | $155M | −$1.2M | -0.7% |
| Noninterest income | $32.6M | $31.5M | $1.2M | +4% |
| Revenue | $186M | $186M | $37K | 0% |
| Operating profit | $71.8M | $61.4M | $10.4M | +17% |
| Costs & expenses | $114M | $125M | −$10.4M | -8% |
| Pre-tax earnings | $71.8M | $61.4M | $10.4M | +17% |
| Credit loss provision | $18.1M | $28.3M | −$10.1M | -36% |
| Noninterest expense | $96.3M | $96.5M | −$283K | -0.3% |
| Net earnings | $56.6M | $51.8M | $4.8M | +9% |
| Income tax | $15.2M | $9.5M | $5.7M | +59% |
| Depreciation & amortization | $4.2M | $5.3M | −$1.1M | -20% |
| Share-based compensation | $1.6M | $1.5M | $185K | +13% |
| Working capital & other | $26.0M | −$19.1M | $45.1M | — |
| Operating cash flow | $88.5M | $39.5M | $49.0M | +124% |
| Free cash flow (OCF − capex) | $83.2M | $35.5M | $47.7M | +134% |
| Capital expenditures | $5.3M | $4.0M | $1.3M | +32% |
Questions
How much did OFG Bancorp's revenue grow year over year in Q3 2026?
OFG Bancorp's revenue rose $37K (0%) from $186M in Q3 2025 to $186M in Q3 2026.
What drove OFG Bancorp's revenue change in Q3 2026?
Noninterest income +$1.2M (+4%); Net interest income −$1.2M (-0.7%).