Pathward Financial [CASH] vs OFG Bancorp [OFG] Detailed Stock Comparison
Pathward Financial
NASDAQ
Loading...
OFG Bancorp
NYSE
Loading...
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Pathward Financial wins in 12 metrics, OFG Bancorp wins in 6 metrics, with 0 ties. Pathward Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Pathward Financial | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.76 | 9.92 | Pathward Financial |
| Price-to-Book Ratio | 2.07 | 1.41 | OFG Bancorp |
| Debt-to-Equity Ratio | 0.19 | 0.39 | Pathward Financial |
| PEG Ratio | 8.89 | 10.68 | Pathward Financial |
| Profit Margin (TTM) | 22.72% | 31.43% | OFG Bancorp |
| Operating Margin (TTM) | 26.29% | 41.19% | OFG Bancorp |
| EBITDA Margin (TTM) | 26.29% | 41.19% | OFG Bancorp |
| Return on Equity | 21.21% | 15.20% | Pathward Financial |
| Return on Assets (TTM) | 2.28% | 1.66% | Pathward Financial |
| Free Cash Flow (TTM) | $176.78M | $210.79M | OFG Bancorp |
| Dividend Yield | 0.27% | 2.57% | OFG Bancorp |
| 1-Year Return | 18.87% | -0.17% | Pathward Financial |
| Price-to-Sales Ratio (TTM) | 2.31 | 3.05 | Pathward Financial |
| Enterprise Value | $1.58B | $1.54B | Pathward Financial |
| EV/Revenue Ratio | 2.16 | 2.48 | Pathward Financial |
| Revenue per Share (TTM) | $31 | $14 | Pathward Financial |
| Earnings per Share (Diluted) | $7.56 | $4.25 | Pathward Financial |
| Beta (Stock Volatility) | 0.63 | 0.78 | Pathward Financial |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Pathward Financial vs OFG Bancorp Stock Performance Analysis
Loading Price Chart...
Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Pathward Financial | 2.06% | -1.31% | -11.70% | -10.77% | -6.23% | 1.79% |
| OFG Bancorp | -0.29% | -0.14% | -6.21% | 0.24% | -3.38% | 0.29% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Pathward Financial | 18.87% | 102.61% | 263.30% | 356.66% | 541.30% | 1,133.28% |
| OFG Bancorp | -0.17% | 40.57% | 202.98% | 441.12% | 241.13% | 206.31% |
Performance & Financial Health Analysis: Pathward Financial vs OFG Bancorp
| Metric | CASH | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $1.69B | $1.89B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 235,170 | 228,280 |
| 90 Day Avg. Volume | 214,307 | 236,353 |
| Last Close | $73.81 | $41.72 |
| 52 Week Range | $60.49 - $86.00 | $33.15 - $47.66 |
| % from 52W High | -14.17% | -12.46% |
| All-Time High | $86.00 (Nov 25, 2024) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -14.17% | -12.46% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.09% | -0.02% |
| Quarterly Earnings Growth | 0.01% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.23% | 0.31% |
| Operating Margin (TTM) | 0.26% | 0.41% |
| Return on Equity (TTM) | 0.21% | 0.15% |
| Debt to Equity (MRQ) | 0.19 | 0.39 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $35.67 | $29.83 |
| Cash per Share (MRQ) | $11.26 | $19.04 |
| Operating Cash Flow (TTM) | $227.32M | $180.44M |
| Levered Free Cash Flow (TTM) | $166.82M | $198.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.27% | 2.57% |
| Last 12-Month Dividend | $0.20 | $1.05 |
Valuation & Enterprise Metrics Analysis: Pathward Financial vs OFG Bancorp
| Metric | CASH | OFG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.76 | 9.92 |
| Forward P/E | 8.89 | 10.68 |
| PEG Ratio | 8.89 | 10.68 |
| Price to Sales (TTM) | 2.31 | 3.05 |
| Price to Book (MRQ) | 2.07 | 1.41 |
| Market Capitalization | ||
| Market Capitalization | $1.69B | $1.89B |
| Enterprise Value | $1.58B | $1.54B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.16 | 2.48 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.63 | 0.78 |
| Book Value per Share (MRQ) | $35.67 | $29.83 |
Financial Statements Comparison: Pathward Financial vs OFG Bancorp
Financial Metrics
Loading Financial Charts...
Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | CASH | OFG |
|---|---|---|
| Revenue/Sales | $123.65M | $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 | $37.92M | $59.45M |
| Income Tax | $6.29M | $13.88M |
| Net Income (Profit) | $31.63M | $45.57M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | CASH | OFG |
|---|---|---|
| Cash & Equivalents | $597.40M | $235.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $33.38M | $275.80M |
| Total Shareholders Equity | $776.43M | $1.30B |
| Retained Earnings | $332.32M | $802.02M |
| Property, Plant & Equipment | $355.22M | $122.24M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | CASH | OFG |
|---|---|---|
| Operating Cash Flow | $-218.60M | $44.63M |
| Capital Expenditures | $-49.17M | $-4.35M |
| Free Cash Flow | $-131.49M | $78.72M |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | $-57.01M | $-23.39M |
Short Interest & Institutional Ownership Analysis
| Metric | CASH | OFG |
|---|---|---|
| Shares Short | 1.39M | 551,563 |
| Short Ratio | 6.42 | 2.02 |
| Short % of Float | 0.07% | 0.02% |
| Average Daily Volume (10 Day) | 235,170 | 228,280 |
| Average Daily Volume (90 Day) | 214,307 | 236,353 |
| Shares Outstanding | 24.85M | 45.44M |
| Float Shares | 22.64M | 44.18M |
| % Held by Insiders | 0.01% | 0.02% |
| % Held by Institutions | 0.97% | 0.99% |
Dividend Analysis & Yield Comparison: Pathward Financial vs OFG Bancorp
| Metric | CASH | OFG |
|---|---|---|
| Last 12-Month Dividend | $0.20 | $1.05 |
| Last 12-Month Dividend Yield | 0.27% | 2.57% |
| 3-Year Avg Annual Dividend | $0.20 | $0.91 |
| 3-Year Avg Dividend Yield | 0.10% | 0.71% |
| 3-Year Total Dividends | $0.60 | $2.73 |
| Ex-Dividend Date | Jun 13, 2025 | Mar 31, 2025 |