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OFG BANCORP

OFG

$52.28 ▼ -0.60 (-1.14%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

OFG BANCORP shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $2.3B

Dividend Yield 2.30%

Revenue Growth 2.8% ↘

Op. Margin 32.0% ↘

ROIC None

FCF / Share None

Trailing P/E 11.4x

Price / Book 1.6x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$731.44M

↑ +2.8% —

Net Income Profit after all expenses

$205.10M

↑ +3.5% —

Operating Margin Operating profit as % of sales

32.0%

↓ -10.2% 88th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.20 Latest / share

+20.0% YoY

+12.1% 12-yr CAGR

$0.34

FY 2014

$0.36

FY 2015

$0.24

FY 2016

$0.24

FY 2017

$0.25

FY 2018

$0.28

FY 2019

$0.28

FY 2020

$0.40

FY 2021

$0.70

FY 2022

$0.88

FY 2023

$1.00

FY 2024

$1.20

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	2.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	3.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-46%)	12.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+105%)	13.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+126%)	1.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-76%)	31.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+424%)	2.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-61%)	3.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-43%)	4.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-24%)	-6.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-201%)	-8.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-241%)	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-105%)	132.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2112%)	7.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+16%)	22.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+272%)	8.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+47%)	—	—
EPS Growth YoY (%)	8.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	10.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	11.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	21.4% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	115.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	43.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-42.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	80.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-14.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-14.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	428.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-47.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	—	—
Net Income Growth YoY (%)	3.5% Caution ↓ Caution Declining Year-over-year change in net income	9.0% Fair ↓ Fair Declining Year-over-year change in net income	9.4% Fair ↓ Fair Declining Year-over-year change in net income	13.7% Fair ↓ Fair Declining Year-over-year change in net income	96.6% Excellent ↑ Excellent Improving Year-over-year change in net income	38.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-36.2% Weak ↓ Weak Declining Year-over-year change in net income	60.3% Excellent Excellent Year-over-year change in net income	-11.0% Weak Weak Year-over-year change in net income	N/M	N/M	-13.5% Weak ↓ Weak Declining Year-over-year change in net income	300.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-28.7% Weak ↓ Weak Declining Year-over-year change in net income	250.3% Excellent Excellent Year-over-year change in net income	-57.1% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	14.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	3.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	28.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	35.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	44.9% Excellent Excellent Compound annual revenue growth over 3 years	12.5% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	11.9% Good ↑ Good Improving Compound annual revenue growth over 5 years	11.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.9% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-1.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	15.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	16.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	22.7% Excellent Excellent Compound annual revenue growth over 5 years	27.0% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	10.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	14.2% Good ↓ Good Declining Compound annual EPS growth over 3 years	42.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	55.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	21.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	14.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	-3.7% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	—	-17.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-17.7% Weak Weak Compound annual EPS growth over 3 years	—	33.1% Excellent Excellent Compound annual EPS growth over 3 years	—	-22.4% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	32.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	35.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	38.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	39.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	39.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	17.8% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	18.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	33.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	17.8% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	23.3% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	-5.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-121%)	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	12.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.4% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	87.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—
Profit Margin (%) (%)	28.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	27.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	26.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	27.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	14.0% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	13.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	21.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	13.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	16.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	-0.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	20.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	23.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	13.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	20.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	7.0% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	17.8% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	14.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+23%)	15.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	15.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+27%)	15.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+33%)	13.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	6.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	5.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	8.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	5.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	6.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-46%)	-0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-102%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	5.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	1.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	6.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.15x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.06x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$16.42	$15.26	$14.58	$12.78	$10.61	$10.37	$7.89	$8.72	$8.71	$8.34	$8.81	$9.46	$9.35	$4.41	—	—	—	—
Basic EPS, GAAP (USD)	$4.60	$4.25	$3.85	$3.46	$2.85	$1.32	$0.92	$1.59	$0.88	$1.03	$-0.37	$1.58	$1.85	$0.35	$0.67	$-0.50	$0.75	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.20	$1.00	$0.88	$0.70	$0.40	$0.28	$0.28	$0.25	$0.24	$0.24	$0.36	$0.34	$0.26	$0.24	$0.21	$0.17	$0.16	—
Book Value per Share (USD)	$32.13	$27.60	$25.36	$21.91	$21.54	$21.13	$20.34	$19.49	$21.51	$20.96	$20.45	$21.12	$19.37	$18.95	$16.86	$15.80	—	—
Tangible Book Value per Share (USD)	$29.96	$25.43	$23.13	$19.56	$19.08	$18.57	$17.56	$17.75	$19.55	$19.00	$18.49	$19.19	$17.49	$17.06	$16.80	$15.80	—	—
Basic Weighted Avg Shares (shares)	44.55M	46.64M	47.26M	48.03M	50.96M	51.36M	51.34M	45.40M	43.94M	43.91M	44.23M	45.02M	45.71M	41.63M	—	—	—	—
Dividend Payout Ratio (%)	26.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	20.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	14.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	21.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$105.83M	—	—	—
Total Equity (USD)	$1.39B	$1.25B	$1.19B	$1.04B	$1.07B	$1.09B	$1.05B	$999.88M	$945.11M	$920.41M	$897.08M	$942.20M	$884.91M	$863.61M	$695.55M	$732.33M	$330.17M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$731.44M	$711.69M	$689.25M	$613.77M	$540.58M	$532.78M	$405.29M	$395.99M	$382.86M	$366.25M	$389.84M	$425.80M	$427.19M	$183.57M	$171.64M	$140.33M	$128.94M	—
Depreciation Expense (USD)	$20.46M	$20.87M	$20.40M	$15.80M	$14.10M	$12.70M	$8.50M	$8.90M	$9.00M	$9.40M	$11.10M	$10.20M	$10.30M	$4.80M	$5.50M	—	—	—
Net Income, GAAP (USD)	$205.10M	$198.17M	$181.87M	$166.24M	$146.15M	$74.33M	$53.84M	$84.41M	$52.65M	$59.19M	$-2.50M	$85.18M	$98.45M	$24.55M	$34.45M	$9.83M	$22.95M	—
Operating Cash Flow (USD)	$217.72M	$252.50M	$295.66M	$164.46M	$100.04M	$34.96M	$109.62M	$133.35M	$151.44M	$78.51M	—	—	$173.82M	$50.24M	$-39.73M	$-23.90M	$-43.99M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	4.9%	5.1%	4.9%	4.9%	4.1%	4.2%	3.5%	4.8%	4.9%	4.6%	4.8%	5.5%	5.0%	1.7%	2.1%	1.8%	—	—
Efficiency Ratio (%) (%)	53.3%	52.8%	52.7%	56.3%	60.3%	64.8%	57.6%	52.3%	52.7%	59.0%	63.7%	57.0%	61.9%	71.9%	71.4%	80.2%	64.7%	—

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Synced 1 week ago 18 years · 67 quarters

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