OFG Bancorp

OFGNYSEFinancial Services● Active

$46.46

+$0.19(+0.41%)

Market Cap$2.0B

P/E Ratio—

52W High$46.85

52W Low$35.71

Avg Volume317K

Open$46.32

Beta0.73

Free Cash Flow Financials Revenue

OFG Bancorp (OFG) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

OFG · free cash flow · updated Jun 8, 2026

Core FCF metrics

OFG · FCF · TTM · margin & CAGR

Free cash flow was $199.3M for FY2025 (fiscal year ending 2025-12-31), down 5.4% year-over-year The FCF margin was 23.1%. Five-year CAGR stands at +58.9%.

FY2025 Free Cash Flow$199.3M▼ -5.4% YoY

Trailing 12M (TTM)$189.4Mtrailing 4 quarters sum

FCF Margin23.1%$199.3M ÷ revenue

3-Year CAGR+14.3%FY2022 → FY2025

5-Year CAGR+58.9%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

OFG · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$217.7M(18M)$199.3M▼ 5.4%23.1%

FY2024$252.5M(42M)$210.8M▼ 24.1%25.6%

FY2023$295.7M(18M)$277.8M▲ +108.2%38.1%

FY2022$164.5M(31M)$133.5M▲ +73.3%22.3%

FY2021$100.0M(23M)$77.0M▲ +290.9%14.3%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

OFG · P/FCF · FCF yield · FCF per share

OFG Bancorp (OFG) trades at a FCF yield of 9.65% and a price-to-free-cash-flow ratio of 11.4x. FCF per share stands at $4.07, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

9.65%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$4.07

TTM FCF ÷ Shares Outstanding

Price / FCF

x11.4

Share Price ÷ FCF per Share

EV / FCF (TTM)

x10.1

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

OFG · cash flow statement · operating / investing / financing

For FY2025, OFG Bancorp generated $217.7M in operating cash flow and spent 18M in capital expenditures, yielding $199.3M in free cash flow.

Operating Activities

+$217.7M

Cash from core business operations

2025-12-31

Investing Activities

−$438.4M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$669.9M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($217.7M) − |CapEx| (18M) = FCF ($199.3M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

OFG vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

OFG BancorpYOU

OFG

$199.3M-5.4%23.1%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

OFG Bancorp (OFG) reported free cash flow of $199.3M for FY2025 (fiscal year ending 2025-12-31), down 5.4% year-over-year. The FCF margin was 23.1%.

Based on available data, OFG Bancorp has maintained positive free cash flow for at least 14 fiscal year(s). FCF peaked at $277.8M in FY2023. The 5-year CAGR stands at +58.9%.

OFG Bancorp's FCF yield is 9.65% and price-to-FCF ratio is 11.4x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

OFG free cash flow · 8 questions

OFG Bancorp free cash flow was $199.3M for FY2025, down 5.4% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $189.4M.

OFG free cash flowOFG FCFOFG FCF 2025OFG free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · OFG Bancorp · OFG Bancorp SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026