Bank First [BFC] vs OFG Bancorp [OFG] Detailed Stock Comparison
Bank First
NASDAQ
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OFG Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Bank First wins in 9 metrics, OFG Bancorp wins in 9 metrics, with 0 ties. Both stocks appear equally matched on key metrics.
View Metrics Details
Vital Metrics Comparison
| Metric | Bank First | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 19.24 | 9.95 | OFG Bancorp |
| Price-to-Book Ratio | 2.14 | 1.42 | OFG Bancorp |
| Debt-to-Equity Ratio | 0.20 | 0.38 | Bank First |
| PEG Ratio | 2.55 | 1.81 | OFG Bancorp |
| Profit Margin (TTM) | 41.69% | 31.43% | Bank First |
| Operating Margin (TTM) | 53.24% | 43.08% | Bank First |
| EBITDA Margin (TTM) | 53.24% | 43.08% | Bank First |
| Return on Equity | 11.28% | 15.20% | OFG Bancorp |
| Return on Assets (TTM) | 1.63% | 1.66% | OFG Bancorp |
| Free Cash Flow (TTM) | $58.62M | $210.79M | OFG Bancorp |
| Dividend Yield | 4.40% | 2.57% | Bank First |
| 1-Year Return | 44.12% | -2.54% | Bank First |
| Price-to-Sales Ratio (TTM) | 7.92 | 3.10 | OFG Bancorp |
| Enterprise Value | $1.31B | $1.53B | OFG Bancorp |
| EV/Revenue Ratio | 7.87 | 2.48 | OFG Bancorp |
| Revenue per Share (TTM) | $17 | $14 | Bank First |
| Earnings per Share (Diluted) | $6.93 | $4.25 | Bank First |
| Beta (Stock Volatility) | 0.38 | 0.81 | Bank First |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Bank First vs OFG Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Bank First | -1.87% | 3.83% | 0.61% | 4.98% | 27.15% | 32.37% |
| OFG Bancorp | 0.89% | 1.27% | -2.00% | -3.06% | 16.36% | 3.44% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Bank First | 44.12% | 65.30% | 102.30% | 447.16% | 989.70% | 598.00% |
| OFG Bancorp | -2.54% | 59.55% | 205.83% | 383.48% | 218.03% | 282.49% |
News Based Sentiment: Bank First vs OFG Bancorp
Bank First
News based Sentiment: POSITIVE
Bank First National is showing strong financial performance with solid margins, returns, and consistent dividend growth. The upcoming Q3 earnings report is a key event, and analysts are optimistic. While investor search interest decreased, the overall narrative is positive due to the company's underlying strength.
OFG Bancorp
News based Sentiment: MIXED
October saw a mix of positive analyst sentiment regarding OFG Bancorp's valuation and growth potential, alongside cautions about economic reliance and competition. The upcoming earnings report on October 22nd will be a key event to watch, making this a moderately significant month for investors.
Performance & Financial Health Analysis: Bank First vs OFG Bancorp
| Metric | BFC | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $1.32B | $1.94B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 81,458 | 181,090 |
| 90 Day Avg. Volume | 93,403 | 225,703 |
| Last Close | $126.72 | $43.03 |
| 52 Week Range | $86.11 - $134.74 | $33.15 - $47.66 |
| % from 52W High | -5.95% | -9.71% |
| All-Time High | $134.74 (Oct 07, 2025) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -5.95% | -9.71% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.07% | -0.02% |
| Quarterly Earnings Growth | 0.05% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.42% | 0.31% |
| Operating Margin (TTM) | 0.53% | 0.43% |
| Return on Equity (TTM) | 0.11% | 0.15% |
| Debt to Equity (MRQ) | 0.20 | 0.38 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $62.27 | $29.83 |
| Cash per Share (MRQ) | $12.24 | $19.13 |
| Operating Cash Flow (TTM) | $67.61M | $215.43M |
| Levered Free Cash Flow (TTM) | $65.21M | $198.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.40% | 2.57% |
| Last 12-Month Dividend | $5.70 | $1.05 |
Valuation & Enterprise Metrics Analysis: Bank First vs OFG Bancorp
| Metric | BFC | OFG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 19.24 | 9.95 |
| Forward P/E | 19.90 | 10.70 |
| PEG Ratio | 2.55 | 1.81 |
| Price to Sales (TTM) | 7.92 | 3.10 |
| Price to Book (MRQ) | 2.14 | 1.42 |
| Market Capitalization | ||
| Market Capitalization | $1.32B | $1.94B |
| Enterprise Value | $1.31B | $1.53B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 7.87 | 2.48 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.38 | 0.81 |
| Book Value per Share (MRQ) | $62.27 | $29.83 |
Financial Statements Comparison: Bank First vs OFG Bancorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | BFC | OFG |
|---|---|---|
| Revenue/Sales | $40.63M | $166.68M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $20.67M | $59.45M |
| Income Tax | $3.79M | $13.88M |
| Net Income (Profit) | $16.88M | $45.57M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | BFC | OFG |
|---|---|---|
| Cash & Equivalents | $300.87M | $235.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $146.89M | $275.80M |
| Total Shareholders Equity | $648.41M | $1.30B |
| Retained Earnings | $411.75M | $802.02M |
| Property, Plant & Equipment | N/A | $122.24M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | BFC | OFG |
|---|---|---|
| Operating Cash Flow | $8.89M | $44.63M |
| Capital Expenditures | $-2.15M | $-4.35M |
| Free Cash Flow | $4.01M | $78.72M |
| Debt Repayment | $-508,000 | N/A |
| Common Stock Repurchase | $-6.38M | $-23.39M |
Short Interest & Institutional Ownership Analysis
| Metric | BFC | OFG |
|---|---|---|
| Shares Short | 280,266 | 664,670 |
| Short Ratio | 3.11 | 3.48 |
| Short % of Float | 0.03% | 0.02% |
| Average Daily Volume (10 Day) | 81,458 | 181,090 |
| Average Daily Volume (90 Day) | 93,403 | 225,703 |
| Shares Outstanding | 10.01M | 45.44M |
| Float Shares | 8.83M | 43.97M |
| % Held by Insiders | 0.09% | 0.01% |
| % Held by Institutions | 0.34% | 0.98% |
Dividend Analysis & Yield Comparison: Bank First vs OFG Bancorp
| Metric | BFC | OFG |
|---|---|---|
| Last 12-Month Dividend | $5.70 | $1.05 |
| Last 12-Month Dividend Yield | 4.40% | 2.57% |
| 3-Year Avg Annual Dividend | $2.68 | $0.91 |
| 3-Year Avg Dividend Yield | 0.57% | 0.71% |
| 3-Year Total Dividends | $8.05 | $2.73 |
| Ex-Dividend Date | Sep 24, 2025 | Mar 31, 2025 |