California BanCorp [BCAL] vs OFG Bancorp [OFG] Detailed Stock Comparison

California BanCorp

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: California BanCorp wins in 7 metrics, OFG Bancorp wins in 11 metrics, with 0 ties. OFG Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric California BanCorp OFG Bancorp Better
P/E Ratio (TTM) 9.59 9.24 OFG Bancorp
Price-to-Book Ratio 1.04 1.39 California BanCorp
Debt-to-Equity Ratio 0.09 0.42 California BanCorp
PEG Ratio -4.99 0.56 OFG Bancorp
Profit Margin (TTM) 33.36% 33.64% OFG Bancorp
Operating Margin (TTM) 54.99% 42.01% California BanCorp
EBITDA Margin (TTM) 54.99% 42.01% California BanCorp
Return on Equity 11.59% 16.04% OFG Bancorp
Return on Assets (TTM) 1.56% 1.80% OFG Bancorp
Free Cash Flow (TTM) $56.94M $199.34M OFG Bancorp
Dividend Yield 1.14% 2.57% OFG Bancorp
1-Year Return 37.29% 17.22% California BanCorp
Price-to-Sales Ratio (TTM) 3.15 3.05 OFG Bancorp
Enterprise Value $251.23M $1.86B OFG Bancorp
EV/Revenue Ratio 1.33 2.92 California BanCorp
Revenue per Share (TTM) $6 $14 OFG Bancorp
Earnings per Share (Diluted) $1.93 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.27 N/A N/A
Short % of Float 3.35% 3.73% California BanCorp

California BanCorp vs OFG Bancorp Stock Performance Analysis

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BCAL
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
California BanCorp-1.32%0.62%4.89%11.23%-0.46%5.18%
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
California BanCorp37.29%36.34%41.32%139.64%279.46%97.70%
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%

Performance & Financial Health Analysis: California BanCorp vs OFG Bancorp

MetricBCALOFG
Market Information
Market Cap i$593.85M$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i155,060264,900
90 Day Avg. Volume i218,037348,273
Last Close$19.51$47.62
52 Week Range$14.07 - $20.47$35.71 - $48.56
% from 52W High-4.69%-1.93%
All-Time High$20.50 (Dec 08, 2025)$48.56 (Jun 15, 2026)
% from All-Time High-4.83%-1.94%
Growth Metrics
Quarterly Revenue Growth0.02%0.07%
Quarterly Earnings Growth-0.02%0.18%
Financial Health
Profit Margin (TTM) i0.33%0.34%
Operating Margin (TTM) i0.55%0.42%
Return on Equity (TTM) i0.12%0.16%
Debt to Equity (MRQ) i0.090.42
Cash & Liquidity
Book Value per Share (MRQ)$17.79$32.13
Cash per Share (MRQ)$12.37$14.88
Operating Cash Flow (TTM) i$57.29M$62.78M
Levered Free Cash Flow (TTM) i$63.06M$205.10M
Dividends
Last 12-Month Dividend Yield i1.14%2.57%
Last 12-Month Dividend i$0.20$1.05

Valuation & Enterprise Metrics Analysis: California BanCorp vs OFG Bancorp

MetricBCAL (Apr 26, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i9.599.24
Forward P/E i10.109.59
PEG Ratio i-4.990.56
Price to Sales (TTM) i3.153.05
Price to Book (MRQ) i1.041.39
Market Capitalization
Market Capitalization i$593.85M$1.99B
Enterprise Value i$251.23M$1.86B
Enterprise Value Metrics
Enterprise to Revenue i1.332.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.27N/A
Book Value per Share (MRQ) i$17.79$32.13

Financial Statements Comparison: California BanCorp vs OFG Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricBCAL (2025)OFG (2025)
Revenue/Sales i180.18M675.22M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i87.96M234.12M
Pre-Tax Income % of Revenue i48.8%34.7%
Income Tax i24.90M29.01M
Income Tax % of Revenue i13.8%4.3%
Net Income (Profit) i63.06M205.10M
Profit Margin i35.0%30.4%

Balance Sheet & Liquidity Metrics

MetricBCAL (2025)OFG (2025)
Cash & Equivalents i52.01M1.04B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i52.77M423.17M
Long-Term Debt % of Revenue i29.3%62.7%
Total Shareholders Equity i576.59M1.39B
Retained Earnings i135.81M904.63M
Retained Earnings % of Revenue i75.4%134.0%
Property, Plant & Equipment i15.09M21.26M

Cash Flow Statement Comparison

MetricBCAL (2025)OFG (2025)
Operating Cash Flow i89.41M62.78M
Operating Cash Flow % of Revenue i49.6%9.3%
Capital Expenditures i-346,000-16.96M
Free Cash Flow i56.94M199.34M
FCF Margin i31.6%29.5%
Debt Repayment i-38.00MN/A
Common Stock Repurchase i-2.66M-91.60M

Short Interest & Institutional Ownership Analysis

MetricBCALOFG
Shares Short i923,6871.09M
Short Ratio i4.332.60
Short % of Float i3.35%3.73%
Shares Outstanding i32.42M43.26M
Float Shares i22.82M42.30M
% Held by Insiders i15.43%1.13%
% Held by Institutions i65.42%99.69%
% Held by Public i19.15%-0.82%

Dividend Analysis & Yield Comparison: California BanCorp vs OFG Bancorp

MetricBCALOFG
Last 12-Month Dividend i$0.20$1.05
Last 12-Month Dividend Yield i1.14%2.57%
3-Year Avg Annual Dividend i$0.07$0.91
3-Year Avg Dividend Yield i0.55%0.71%
3-Year Total Dividends i$0.20$2.73
Ex-Dividend DateMar 24, 2026Mar 31, 2025