OFG Bancorp Annual Income Statement (NYSE:OFG)

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$13.6 $0.25 (1.81%) OFG stock closing price Dec 05, 2016 (Closing)

Looking at financial statements, along with the OFG Bancorp stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   The key financial statements of a company are the income statement, the balance sheet and the cash flow statement. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the OFG stock is bound to reflect the impact of the YoY decline of $43.54M. The OFG Bancorp profit and loss statement for 2015 shows a profit of $-2.5M. Profits have reduced from $85.18M YoY. Apart from this an investor should also check OFG Bancorp assets and OFG Bancorp free cash flow. OFG Bancorp revenue for 2015 is $459.04M. View revenue and profit details for latest and last 10 financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
OFG Bancorp Net Sales or Revenues
459.04M502.58M511.14M284.78M328.01M308.93M317.41M326.79M331.86M249.54M
Cost Of Goods Sold (COGS)27.03M33.95M40.97M31.6M45.64M48.53M54.69M49.78M52.79M46.7M
OFG Bancorp Gross Profit
432M468.62M470.16M253.18M282.37M260.39M262.72M277.01M279.07M202.84M
Research & Development Expense----------
Selling General & Admin Expense409.9M303.36M319.78M146.46M136.11M134.79M99.02M81.6M73.4M68.1M
Income Before Depreciation Depletion Amortization22.1M165.26M150.38M106.71M146.25M125.6M163.69M195.41M205.66M134.74M
Depreciation Depletion Amortization----------
Non Operating Income---17.66M-4.99M------
Interest Expense42.16M42.82M42.98M73.86M110.94M120.06M133.77M177.94M162.84M141.48M
OFG Bancorp Pretax Income
-20.05M122.43M89.73M27.85M35.31M5.53M29.91M17.46M42.82M-6.73M
Provision for Income Taxes-17.55M37.25M-8.7M3.3M0.86M-4.29M6.97M-9.32M1.55M-1.63M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations-2.5M85.18M98.44M24.55M34.45M9.83M22.94M26.79M41.26M-5.1M
Extraordinary Items & Discontinued Operations----------
OFG Bancorp Net Income (Profit/Loss)
-2.5M85.18M98.44M24.55M34.45M9.83M22.94M26.79M41.26M-5.1M
Average Shares used to compute Diluted EPS44.23M45.02M45.71M41.63M44.52M36.81M24.31M24.33M24.37M24.67M
Average Shares used to compute Basic EPS44.23M45.02M45.71M41.63M44.52M36.81M24.29M24.26M24.37M24.56M
Income Before Nonrecurring Items-2.5M85.18M98.45M43.6M34.45M9.83M62.59M53.96M41.27M-5.01M
Income from Nonrecurring Items----19.05M---39.65M-27.17M--
OFG Bancorp Earnings Per Share Basic Net
-0.371.581.850.350.67-0.500.750.911.50-0.40
OFG Bancorp Earnings Per Share Diluted Net
-0.371.501.730.350.67-0.490.750.901.50-0.40
EPS Diluted Before Nonrecurring Items-0.371.501.730.810.67-0.492.382.021.50-0.40
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.360.340.260.18------
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing OFG Bancorp stock analysis are:
  • Topline: A growing topline, as seen from the OFG Bancorp revenue chart, as is not the case with OFG Bancorp indicates a sagging business. One needs to compare the QoQ or YoY topline growth of OFG stock with its peers like FLIC stock and CAC stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: This refers to the last line in a profit and loss statement and denotes the net profit or loss for a particular period. The figure currently stands at $-2.5M for OFG Bancorp for 2015. This figure is arrived at after deducting all operating expenses, interest, and taxes from revenue.
The income statement is also called statement of revenue and expense. The financials along with OFG Bancorp historical stock prices provides a lot of details about the firm. .

OFG Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
20.9230
PS ratio (
price sales ratio
)
1.4030
Operating margin
22.6
Net profit margin
13.6
Dividend yield
1.76%