Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — |
| Net income | $59.2M | $52.6M | $84.4M | $53.8M | $74.3M | $146M | $166M | $182M | $198M | $205M |
| EPS (diluted) | $1.03 | $0.88 | $1.52 | $0.92 | $1.32 | $2.81 | $3.44 | $3.83 | $4.23 | $4.58 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $78.5M | $151M | $133M | $110M | $35.0M | $100M | $164M | $296M | $253M | $218M |
| Capital expenditures | $5.30M | $6.47M | $11.5M | $13.0M | $15.3M | $23.1M | $31.0M | $17.9M | $21.3M | $18.4M |
| Free cash flow | $73.2M | $145M | $122M | $96.7M | $19.7M | $77.0M | $133M | $278M | $231M | $199M |
| Share buybacks | $0.00 | $0.00 | — | — | — | — | — | — | — | — |
| Dividends paid | $10.1M | $10.6M | $12.8M | $14.4M | $14.4M | $19.7M | $30.1M | $41.0M | $45.6M | $51.9M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $510M | $485M | $447M | $851M | $2.15B | $2.02B | $550M | $748M | $591M | $1.04B |
| Total assets | $6.50B | $6.19B | $6.58B | $9.30B | $9.83B | $9.90B | $9.82B | $11.3B | $11.5B | $12.5B |
| Total liabilities | $5.58B | $5.24B | $5.58B | $8.25B | $8.74B | $8.83B | $8.78B | $10.2B | $10.2B | $11.1B |
| Shareholders' equity | $920M | $945M | $1000M | $1.05B | $1.09B | $1.07B | $1.04B | $1.19B | $1.25B | $1.39B |
| Retained earnings | $178M | $201M | $253M | $280M | $300M | $400M | $516M | $639M | $772M | $905M |
| Shares (wtd avg diluted) | 43.9M | 43.9M | 45.4M | 51.7M | 51.6M | 51.4M | 48.4M | 47.6M | 46.9M | 44.8M |
Every figure is extracted from OFG BANCORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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