OFG Bancorp (OFG)

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AI Score

Our AI model analyzes fundamental, technical, and statistical indicators to predict the probability of a bullish trend over the next three months.

We regularly update and refine our models to deliver the most reliable forecasts for you.

Bullish Probability	Sentiment	Score
+80%	Strong Buy	10
+75%	Buy	9
+70%	Buy	8
+60%	Buy	7
+50%	Hold	6
+45%	Hold	5
+40%	Hold	4
+35%	Sell	3
+30%	Sell	2
+20%	Strong Sell	1

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43.66

0.15%

After-hours Dec 13, 2024, 07:00 PM EST

Income Statement (Annual)

Get detailed income statement breakdowns, uncovering revenue, expenses, and much more.

Boring Mode

Year	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10	FY09	FY08	FY07	FY06	FY04	FY03	FY02	FY01	FY00	FY99	FY98	FY97	FY96	FY95	FY94	FY93	FY92	FY91	FY90	FY89	FY88	FY87	FY86
Revenue	628.61M	613.77M	540.58M	476.29M	393.47M	382.44M	370.23M	345.70M	348.31M	425.80M	426.12M	199.99M	191.24M	157.50M	206.57M	99.07M	116.23M	61.36M	121.30M	121.30M	133.25M	113.45M	90.25M	48.44M	67.68M	78.10M	66.00M	54.90M	47.60M	39.10M	24.40M	24.40M	16.60M	11.50M	9.00M	6.90M	-
Cost of Revenue	-	-	-	-	-	-	-	-	-	59.84M	-	16.75M	1.72M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	628.61M	613.77M	540.58M	476.29M	393.47M	382.44M	370.23M	345.70M	348.31M	365.96M	426.12M	183.24M	189.52M	157.50M	206.57M	99.07M	116.23M	61.36M	121.30M	121.30M	133.25M	113.45M	90.25M	48.44M	67.68M	78.10M	66.00M	54.90M	47.60M	39.10M	24.40M	24.40M	16.60M	11.50M	9.00M	6.90M	-
Operating Income	264.53M	277.60M	214.60M	94.83M	75.81M	177.32M	109.56M	142.34M	49.14M	199.22M	173.70M	133.33M	191.90M	174.14M	218.38M	245.19M	258.46M	181.45M	157.86M	146.40M	132.88M	121.87M	98.43M	101.40M	94.90M	83.50M	64.80M	56.00M	45.40M	9.80M	28.10M	20.70M	19.30M	9.00M	15.10M	-3.80M	2.30M
Interest Income	648.88M	515.57M	449.20M	473.35M	373.80M	360.42M	345.65M	356.59M	406.57M	485.26M	493.63M	260.78M	297.03M	303.80M	319.40M	339.04M	289.36M	232.31M	189.31M	164.38M	151.75M	141.69M	120.34M	126.23M	113.80M	101.60M	82.60M	70.50M	58.10M	-	36.40M	30.80M	27.10M	24.40M	20.50M	-	-
Pretax Income	265.25M	244.10M	214.60M	94.83M	75.81M	132.80M	68.09M	85.18M	-20.06M	122.43M	89.74M	27.86M	35.32M	5.54M	29.92M	17.47M	42.82M	-6.74M	54.96M	69.23M	55.60M	39.17M	7.32M	19.67M	30.00M	25.30M	19.70M	18.30M	15.00M	-	8.90M	2.60M	-	-	-	-	-
Net Income	181.87M	166.24M	146.15M	74.33M	54.19M	84.41M	52.65M	59.19M	-2.50M	85.18M	98.45M	24.55M	34.45M	9.83M	22.95M	26.79M	41.27M	-5.11M	56.61M	63.65M	51.32M	38.45M	8.47M	19.57M	26.60M	21.40M	16.60M	14.70M	12.10M	9.80M	7.00M	2.10M	1.00M	-	-500.00K	-3.80M	2.30M
Selling & General & Admin	176.41M	294.74M	272.97M	151.38M	167.08M	160.44M	156.45M	164.47M	171.76M	204.22M	212.59M	59.81M	72.79M	63.42M	55.22M	34.54M	32.85M	29.10M	33.17M	32.05M	27.61M	23.89M	19.97M	18.79M	18.10M	17.70M	16.70M	14.30M	12.10M	-	6.50M	4.90M	3.60M	2.40M	2.10M	-	-
Research & Development	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Expenses	-	-63.82M	-598.95M	-532.84M	-484.75M	-268.01M	-393.18M	-100.42M	-	-	-1.06M	-	19.81M	17.17M	77.63M	111.58M	109.38M	90.99M	3.40M	-18.89M	-8.19M	7.72M	30.03M	14.93M	-1.30M	-200.00K	-6.80M	-5.90M	-5.80M	9.80M	-2.80M	-800.00K	4.20M	-2.40M	6.10M	-3.80M	2.30M
Operating Expenses	276.30M	230.91M	-325.98M	-381.47M	-317.67M	-179.07M	-236.73M	20.42M	22.67M	23.01M	107.81M	28.53M	87.88M	80.59M	114.39M	146.13M	142.22M	120.08M	36.56M	13.15M	19.43M	31.62M	50.00M	33.73M	16.80M	17.50M	9.90M	8.40M	6.30M	9.80M	3.70M	4.10M	7.80M	-	8.20M	-3.80M	2.30M
Interest Expense	88.01M	33.49M	41.83M	64.92M	51.00M	44.52M	41.48M	57.16M	69.20M	76.78M	83.96M	105.47M	156.59M	168.60M	188.47M	227.73M	215.63M	188.19M	102.90M	77.17M	77.28M	82.69M	91.28M	81.73M	64.90M	58.20M	45.10M	37.70M	30.40M	9.80M	19.20M	17.60M	18.30M	17.90M	15.60M	-3.80M	2.30M
Selling & Marketing Expenses	8.74M	8.24M	7.00M	5.85M	5.21M	5.08M	5.62M	5.49M	6.45M	7.01M	7.03M	6.25M	5.97M	4.98M	4.21M	3.97M	4.47M	4.47M	6.51M	7.47M	7.05M	6.72M	4.30M	3.09M	3.00M	2.60M	2.00M	1.60M	1.20M	-	700.00K	600.00K	400.00K	200.00K	100.00K	-	-
Cost & Expenses	276.30M	230.91M	-325.98M	-381.47M	-317.67M	-179.07M	-212.80M	16.65M	12.10M	82.84M	107.81M	45.28M	87.88M	80.59M	114.39M	146.13M	142.22M	120.08M	36.56M	13.15M	19.43M	31.62M	50.00M	33.73M	16.80M	17.50M	9.90M	8.40M	6.30M	9.80M	3.70M	4.10M	7.80M	-	8.20M	-3.80M	2.30M
Income Tax	83.38M	77.87M	68.45M	20.50M	21.62M	48.39M	15.44M	25.99M	-17.55M	37.25M	-8.71M	3.30M	866.00K	-4.30M	6.97M	-9.32M	1.56M	-1.63M	-1.65M	5.58M	4.28M	720.00K	-1.32M	108.00K	3.40M	3.90M	3.10M	3.60M	2.90M	-9.80M	1.90M	1.00M	18.30M	-	15.60M	3.80M	-2.30M
Shares Outstanding (Basic)	47.26M	48.03M	50.96M	51.36M	51.34M	51.35M	43.94M	43.91M	44.23M	45.02M	45.71M	41.63M	44.43M	36.81M	24.29M	24.33M	24.33M	24.56M	24.57M	24.63M	25.47M	20.74M	34.72M	21.27M	29.86M	48.92M	60.83M	22.09M	22.09M	15.25M	16.09M	14.70M	14.00M	14.00M	12.59M	12.22M	11.32M
Shares Outstanding (Diluted)	47.55M	48.44M	51.37M	51.55M	51.72M	51.35M	51.10M	51.09M	51.45M	52.33M	53.03M	45.30M	44.52M	36.81M	24.31M	24.43M	24.37M	24.66M	25.68M	26.32M	27.46M	21.78M	34.72M	21.90M	37.29M	50.58M	63.11M	22.09M	22.20M	15.25M	16.09M	14.70M	14.00M	14.00M	12.59M	12.22M	11.32M
EPS (Basic)	3.85	3.46	2.85	1.32	1.06	1.64	0.88	1.03	-0.06	1.58	1.85	0.35	0.67	-0.5	0.75	0.91	1.50	-0.21	2.23	2.25	1.78	1.74	0.11	0.81	0.88	0.60	0.27	0.20	0.14	0.64	0.05	0.02	0.01	0.00	-0.04	-0.31	0.20
EPS (Diluted)	3.82	3.44	2.81	1.32	1.05	1.64	0.86	1.03	-0.05	1.50	1.73	0.35	0.67	-0.5	0.75	0.90	1.50	-0.21	2.14	2.11	1.64	1.65	0.10	0.79	0.85	0.57	0.26	0.19	0.13	0.64	0.05	0.02	0.01	0.00	-0.04	-0.31	0.20
EBITDA	291.82M	268.53M	242.96M	116.39M	-	141.76M	-	96.28M	-	352.71M	-	-	-	-	-	-	-	-	-	69.23M	-	-	-	-	-	-	-	-	-	9.80M	-	-	-	-	-	-3.80M	2.30M
Depreciation & Amortization	27.29M	24.31M	23.93M	23.76M	9.68M	10.22M	10.46M	11.10M	13.01M	12.37M	12.89M	5.08M	5.62M	5.86M	5.99M	5.44M	5.49M	9.44M	13.08M	2.00M	9.77M	4.31M	4.26M	4.39M	-600.00K	-600.00K	-500.00K	-700.00K	200.00K	-	1.00M	600.00K	600.00K	400.00K	300.00K	-	-