Pathward Financial [CASH] vs OFG Bancorp [OFG] Detailed Stock Comparison

Pathward Financial

NASDAQ
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OFG Bancorp

NYSE
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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

MetricPathward FinancialOFG BancorpBetter
P/E Ratio (TTM)10.6110.04OFG Bancorp
Price-to-Book Ratio2.061.43OFG Bancorp
Debt-to-Equity Ratio0.210.38Pathward Financial
PEG Ratio1.101.82Pathward Financial
Profit Margin (TTM)22.63%31.43%OFG Bancorp
Operating Margin (TTM)26.29%43.08%OFG Bancorp
EBITDA Margin (TTM)26.29%43.08%OFG Bancorp
Return on Equity21.09%15.20%Pathward Financial
Return on Assets (TTM)2.26%1.66%Pathward Financial
Free Cash Flow (TTM)$212.05M$210.79MPathward Financial
Dividend Yield0.31%2.57%OFG Bancorp
1-Year Return0.04%-2.22%Pathward Financial
Price-to-Sales Ratio (TTM)2.293.07Pathward Financial
Enterprise Value$1.59B$1.55BPathward Financial
EV/Revenue Ratio2.172.50Pathward Financial
Revenue per Share (TTM)$31$14Pathward Financial
Earnings per Share (Diluted)$6.94$4.25Pathward Financial
Beta (Stock Volatility)0.620.81Pathward Financial
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Pathward Financial vs OFG Bancorp Stock Performance Analysis

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Pathward Financial
OFG Bancorp
Pathward Financial Stock Overview | OFG Bancorp Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pathward Financial0.46%-1.19%-3.73%-10.77%9.40%2.05%
OFG Bancorp1.22%-1.73%-2.66%-3.05%23.73%3.77%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pathward Financial0.04%97.07%218.83%441.33%1,070.89%1,069.04%
OFG Bancorp-2.22%60.07%206.82%385.06%219.07%283.73%

News Based Sentiment: Pathward Financial vs OFG Bancorp

Pathward Financial

News based Sentiment: MIXED

October was a mixed month for Pathward, with positive financial results and strategic partnerships offset by a Nasdaq deficiency notice and rising expenses. The company's strong stock performance and future EPS target suggest optimism, but the compliance issues create uncertainty for investors.

View Pathward Financial News Sentiment Analysis

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.

View OFG Bancorp News Sentiment Analysis

Performance & Financial Health Analysis: Pathward Financial vs OFG Bancorp

MetricCASHOFG
Market Information
Market Cap i$1.73B$1.98B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i163,055196,237
90 Day Avg. Volume i174,018223,516
Last Close$74.00$43.17
52 Week Range$64.45 - $86.00$33.15 - $47.66
% from 52W High-13.95%-9.42%
All-Time High$86.00 (Nov 25, 2024)$47.66 (Nov 25, 2024)
% from All-Time High-13.95%-9.42%
Growth Metrics
Quarterly Revenue Growth0.06%-0.02%
Quarterly Earnings Growth-0.06%0.01%
Financial Health
Profit Margin (TTM) i0.23%0.31%
Operating Margin (TTM) i0.26%0.43%
Return on Equity (TTM) i0.21%0.15%
Debt to Equity (MRQ) i0.210.38
Cash & Liquidity
Book Value per Share (MRQ)$35.68$29.83
Cash per Share (MRQ)$11.34$19.13
Operating Cash Flow (TTM) i$254.80M$215.43M
Levered Free Cash Flow (TTM) i$181.54M$198.17M
Dividends
Last 12-Month Dividend Yield i0.31%2.57%
Last 12-Month Dividend i$0.25$1.05

Valuation & Enterprise Metrics Analysis: Pathward Financial vs OFG Bancorp

MetricCASHOFG
Price Ratios
P/E Ratio (TTM) i10.6110.04
Forward P/E i8.8710.80
PEG Ratio i1.101.82
Price to Sales (TTM) i2.293.07
Price to Book (MRQ) i2.061.43
Market Capitalization
Market Capitalization i$1.73B$1.98B
Enterprise Value i$1.59B$1.55B
Enterprise Value Metrics
Enterprise to Revenue i2.172.50
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.620.81
Book Value per Share (MRQ) i$35.68$29.83

Financial Statements Comparison: Pathward Financial vs OFG Bancorp

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)CASHOFG
Revenue/Sales i$156.81M$166.68M
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/A
Pre-Tax Income i$47.16M$59.45M
Income Tax i$4.80M$13.88M
Net Income (Profit) i$42.36M$45.57M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)CASHOFG
Cash & Equivalents i$254.25M$235.00M
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$33.41M$275.80M
Total Shareholders Equity i$814.05M$1.30B
Retained Earnings i$341.78M$802.02M
Property, Plant & Equipment i$366.15M$122.24M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)CASHOFG
Operating Cash Flow i$121.68M$44.63M
Capital Expenditures i$-34.94M$-4.35M
Free Cash Flow i$150.43M$78.72M
Debt Repayment iN/AN/A
Common Stock Repurchase i$-45.44M$-23.39M

Short Interest & Institutional Ownership Analysis

MetricCASHOFG
Shares Short i1.31M664,670
Short Ratio i9.423.48
Short % of Float i0.07%0.02%
Average Daily Volume (10 Day) i163,055196,237
Average Daily Volume (90 Day) i174,018223,516
Shares Outstanding i24.85M45.44M
Float Shares i22.48M43.97M
% Held by Insiders i0.01%0.01%
% Held by Institutions i0.95%0.98%

Dividend Analysis & Yield Comparison: Pathward Financial vs OFG Bancorp

MetricCASHOFG
Last 12-Month Dividend i$0.25$1.05
Last 12-Month Dividend Yield i0.31%2.57%
3-Year Avg Annual Dividend i$0.22$0.91
3-Year Avg Dividend Yield i0.09%0.71%
3-Year Total Dividends i$0.65$2.73
Ex-Dividend DateSep 10, 2025Mar 31, 2025