OFG Bancorp Annual Income Statement (NYSE:OFG)

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$11.75 $0.2 (1.73%) OFG stock closing price Apr 25, 2017 (Closing)

OFG stock valuation based on fundamental analysis involves checking and analyzing financial statements and not just the OFG Bancorp stock price. In the income statement, an investor can check for important parameters like the topline, the bottomline, the EPS basic, dividends etc. The income statement for OFG which implies a YoY revenue decline of $35.63M is specific to a period of time. Investors typically check YoY or QoQ revenue growth. 2016 revenue is $423.41M and has decreased from $459.04M year on year as is evident when you compare the latest figures in the latest OFG Bancorp profit and loss statement with those of the prior corresponding period. (See also:OFG Bancorp assets and OFG Bancorp free cash flow) OFG Bancorp revenue for 2016 is $423.41M. 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. 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
OFG Bancorp Net Sales or Revenues
423.41M459.04M502.58M511.14M284.78M328.01M308.93M317.41M326.79M331.86M
Cost Of Goods Sold (COGS)29.25M27.03M33.95M40.97M31.6M45.64M48.53M54.69M49.78M52.79M
OFG Bancorp Gross Profit
394.15M432M468.62M470.16M253.18M282.37M260.39M262.72M277.01M279.07M
Research & Development Expense----------
Selling General & Admin Expense281.06M409.9M303.36M319.78M146.46M136.11M134.79M99.02M81.6M73.4M
Income Before Depreciation Depletion Amortization113.09M22.1M165.26M150.38M106.71M146.25M125.6M163.69M195.41M205.66M
Depreciation Depletion Amortization----------
Non Operating Income----17.66M-4.99M-----
Interest Expense27.91M42.16M42.82M42.98M73.86M110.94M120.06M133.77M177.94M162.84M
OFG Bancorp Pretax Income
85.18M-20.05M122.43M89.73M27.85M35.31M5.53M29.91M17.46M42.82M
Provision for Income Taxes25.99M-17.55M37.25M-8.7M3.3M0.86M-4.29M6.97M-9.32M1.55M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations59.18M-2.5M85.18M98.44M24.55M34.45M9.83M22.94M26.79M41.26M
Extraordinary Items & Discontinued Operations----------
OFG Bancorp Net Income (Profit/Loss)
59.18M-2.5M85.18M98.44M24.55M34.45M9.83M22.94M26.79M41.26M
Average Shares used to compute Diluted EPS43.91M44.23M45.02M45.71M41.63M44.52M36.81M24.31M24.33M24.37M
Average Shares used to compute Basic EPS43.91M44.23M45.02M45.71M41.63M44.52M36.81M24.29M24.26M24.37M
Income Before Nonrecurring Items59.19M-2.5M85.18M98.45M43.6M34.45M9.83M62.59M53.96M41.27M
Income from Nonrecurring Items-----19.05M---39.65M-27.17M-
OFG Bancorp Earnings Per Share Basic Net
1.03-0.371.581.850.350.67-0.500.750.911.50
OFG Bancorp Earnings Per Share Diluted Net
1.03-0.371.501.730.350.67-0.490.750.901.50
EPS Diluted Before Nonrecurring Items1.03-0.371.501.730.810.67-0.492.382.021.50
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.240.360.340.260.18-----
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 SCNB stock and BHBK stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The word bottom line comes because it is usually the last line of the income statement and refers to the actual profits after deducting all expenses from the revenues. OFG stock had a poor bottom line growth.
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)
11.2980
PS ratio (
price sales ratio
)
1.2176
Operating margin
30.1
Net profit margin
14.9
Dividend yield
2.04%