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

Pathward Financial Inc.

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Pathward Financial Inc. 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 Pathward Financial Inc. OFG Bancorp Better
P/E Ratio (TTM) 11.91 9.24 OFG Bancorp
Price-to-Book Ratio 2.54 1.39 OFG Bancorp
Debt-to-Equity Ratio 0.07 0.42 Pathward Financial Inc.
PEG Ratio 0.55 0.56 Pathward Financial Inc.
Profit Margin (TTM) 24.31% 33.64% OFG Bancorp
Operating Margin (TTM) 25.54% 42.01% OFG Bancorp
EBITDA Margin (TTM) 25.54% 42.01% OFG Bancorp
Return on Equity 23.57% 16.04% Pathward Financial Inc.
Return on Assets (TTM) 2.53% 1.80% Pathward Financial Inc.
Free Cash Flow (TTM) $236.59M $199.34M Pathward Financial Inc.
Dividend Yield 0.28% 2.57% OFG Bancorp
1-Year Return 13.18% 17.22% OFG Bancorp
Price-to-Sales Ratio (TTM) 2.78 3.05 Pathward Financial Inc.
Enterprise Value $1.85B $1.86B OFG Bancorp
EV/Revenue Ratio 2.36 2.92 Pathward Financial Inc.
Revenue per Share (TTM) $34 $14 Pathward Financial Inc.
Earnings per Share (Diluted) $8.21 $4.84 Pathward Financial Inc.
Beta (Stock Volatility) 0.74 N/A N/A
Short % of Float 10.89% 3.73% OFG Bancorp

Pathward Financial Inc. vs OFG Bancorp Stock Performance Analysis

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CASH
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pathward Financial Inc.-2.54%2.04%2.67%-8.92%11.41%14.14%
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pathward Financial Inc.13.18%74.27%72.73%386.53%1,668.28%1,037.43%
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%

Performance & Financial Health Analysis: Pathward Financial Inc. vs OFG Bancorp

MetricCASHOFG
Market Information
Market Cap i$1.96B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i175,852264,900
90 Day Avg. Volume i230,397348,273
Last Close$82.03$47.62
52 Week Range$65.87 - $101.26$35.71 - $48.56
% from 52W High-18.99%-1.93%
All-Time High$101.26 (Apr 17, 2026)$48.56 (Jun 15, 2026)
% from All-Time High-18.99%-1.94%
Growth Metrics
Quarterly Revenue Growth0.04%0.07%
Quarterly Earnings Growth0.17%0.18%
Financial Health
Profit Margin (TTM) i0.24%0.34%
Operating Margin (TTM) i0.26%0.42%
Return on Equity (TTM) i0.24%0.16%
Debt to Equity (MRQ) i0.070.42
Cash & Liquidity
Book Value per Share (MRQ)$38.55$32.13
Cash per Share (MRQ)$15.22$14.88
Operating Cash Flow (TTM) i$630.66M$62.78M
Levered Free Cash Flow (TTM) i$185.18M$205.10M
Dividends
Last 12-Month Dividend Yield i0.28%2.57%
Last 12-Month Dividend i$0.25$1.05

Valuation & Enterprise Metrics Analysis: Pathward Financial Inc. vs OFG Bancorp

MetricCASH (Apr 24, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.919.24
Forward P/E i10.219.59
PEG Ratio i0.550.56
Price to Sales (TTM) i2.783.05
Price to Book (MRQ) i2.541.39
Market Capitalization
Market Capitalization i$1.96B$1.99B
Enterprise Value i$1.85B$1.86B
Enterprise Value Metrics
Enterprise to Revenue i2.362.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.74N/A
Book Value per Share (MRQ) i$38.55$32.13

Financial Statements Comparison: Pathward Financial Inc. 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

MetricCASH (2025)OFG (2025)
Revenue/Sales i673.63M675.22M
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 i223.05M234.12M
Pre-Tax Income % of Revenue i33.1%34.7%
Income Tax i36.27M29.01M
Income Tax % of Revenue i5.4%4.3%
Net Income (Profit) i186.79M205.10M
Profit Margin i27.7%30.4%

Balance Sheet & Liquidity Metrics

MetricCASH (2025)OFG (2025)
Cash & Equivalents i120.57M1.04B
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 i33.46M423.17M
Long-Term Debt % of Revenue i5.0%62.7%
Total Shareholders Equity i857.45M1.39B
Retained Earnings i359.83M904.63M
Retained Earnings % of Revenue i53.4%134.0%
Property, Plant & Equipment i279.25M21.26M

Cash Flow Statement Comparison

MetricCASH (2025)OFG (2025)
Operating Cash Flow i453.09M62.78M
Operating Cash Flow % of Revenue i67.3%9.3%
Capital Expenditures i-185.72M-16.96M
Free Cash Flow i236.59M199.34M
FCF Margin i35.1%29.5%
Debt Repayment iN/AN/A
Common Stock Repurchase i-163.05M-91.60M

Short Interest & Institutional Ownership Analysis

MetricCASHOFG
Shares Short i1.97M1.09M
Short Ratio i8.162.60
Short % of Float i10.89%3.73%
Shares Outstanding i22.17M43.26M
Float Shares i21.45M42.30M
% Held by Insiders i1.42%1.13%
% Held by Institutions i95.01%99.69%
% Held by Public i3.57%-0.82%

Dividend Analysis & Yield Comparison: Pathward Financial Inc. vs OFG Bancorp

MetricCASHOFG
Last 12-Month Dividend i$0.25$1.05
Last 12-Month Dividend Yield i0.28%2.57%
3-Year Avg Annual Dividend i$0.22$0.91
3-Year Avg Dividend Yield i0.08%0.71%
3-Year Total Dividends i$0.65$2.73
Ex-Dividend DateMar 12, 2026Mar 31, 2025