Coastal Financial [CCB] vs OFG Bancorp [OFG] Detailed Stock Comparison

Coastal Financial Corporation

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Coastal Financial Corporation wins in 4 metrics, OFG Bancorp wins in 13 metrics, with 0 ties. OFG Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Coastal Financial Corporation OFG Bancorp Better
P/E Ratio (TTM) 26.74 9.24 OFG Bancorp
Price-to-Book Ratio 2.52 1.39 OFG Bancorp
Debt-to-Equity Ratio 0.11 0.42 Coastal Financial Corporation
PEG Ratio -2.00 0.56 OFG Bancorp
Profit Margin (TTM) 13.46% 33.64% OFG Bancorp
Operating Margin (TTM) 20.00% 42.01% OFG Bancorp
EBITDA Margin (TTM) 20.00% 42.01% OFG Bancorp
Return on Equity 10.11% 16.04% OFG Bancorp
Return on Assets (TTM) 1.06% 1.80% OFG Bancorp
Free Cash Flow (TTM) $246.15M $199.34M Coastal Financial Corporation
Dividend Yield N/A 2.57% N/A
1-Year Return -19.01% 10.74% OFG Bancorp
Price-to-Sales Ratio (TTM) 3.57 3.05 OFG Bancorp
Enterprise Value $560.45M $1.86B OFG Bancorp
EV/Revenue Ratio 1.61 2.92 Coastal Financial Corporation
Revenue per Share (TTM) $23 $14 Coastal Financial Corporation
Earnings per Share (Diluted) $3.06 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.87 N/A N/A
Short % of Float 12.86% 3.73% OFG Bancorp

Coastal Financial Corporation vs OFG Bancorp Stock Performance Analysis

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CCB
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Coastal Financial Corporation-4.03%-4.22%-7.90%-12.04%-38.37%-40.14%
OFG Bancorp-1.84%-1.89%-0.89%11.05%9.93%9.04%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Coastal Financial Corporation-19.01%89.16%131.86%351.08%351.08%351.08%
OFG Bancorp10.74%70.96%88.81%418.91%279.67%255.94%

Performance & Financial Health Analysis: Coastal Financial Corporation vs OFG Bancorp

MetricCCBOFG
Market Information
Market Cap i$1.28B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i149,116264,900
90 Day Avg. Volume i140,645348,273
Last Close$67.82$44.73
52 Week Range$66.50 - $120.05$35.71 - $46.85
% from 52W High-43.51%-4.53%
All-Time High$120.05 (Dec 22, 2025)$47.66 (Nov 25, 2024)
% from All-Time High-43.51%-6.15%
Growth Metrics
Quarterly Revenue Growth0.06%0.07%
Quarterly Earnings Growth-0.05%0.18%
Financial Health
Profit Margin (TTM) i0.13%0.34%
Operating Margin (TTM) i0.20%0.42%
Return on Equity (TTM) i0.10%0.16%
Debt to Equity (MRQ) i0.110.42
Cash & Liquidity
Book Value per Share (MRQ)$32.43$32.13
Cash per Share (MRQ)$48.46$14.88
Operating Cash Flow (TTM) i$254.58M$62.78M
Levered Free Cash Flow (TTM) i$46.99M$205.10M
Dividends
Last 12-Month Dividend Yield iN/A2.57%
Last 12-Month Dividend iN/A$1.05

Valuation & Enterprise Metrics Analysis: Coastal Financial Corporation vs OFG Bancorp

MetricCCB (Apr 24, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i26.749.24
Forward P/E i10.669.59
PEG Ratio i-2.000.56
Price to Sales (TTM) i3.573.05
Price to Book (MRQ) i2.521.39
Market Capitalization
Market Capitalization i$1.28B$1.99B
Enterprise Value i$560.45M$1.86B
Enterprise Value Metrics
Enterprise to Revenue i1.612.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.87N/A
Book Value per Share (MRQ) i$32.43$32.13

Financial Statements Comparison: Coastal Financial Corporation 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

MetricCCB (2025)OFG (2025)
Revenue/Sales i404.57M675.22M
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 i61.25M234.12M
Pre-Tax Income % of Revenue i15.1%34.7%
Income Tax i14.25M29.01M
Income Tax % of Revenue i3.5%4.3%
Net Income (Profit) i46.99M205.10M
Profit Margin i11.6%30.4%

Balance Sheet & Liquidity Metrics

MetricCCB (2025)OFG (2025)
Cash & Equivalents i736.97M1.04B
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 i53.02M423.17M
Long-Term Debt % of Revenue i13.1%62.7%
Total Shareholders Equity i490.96M1.39B
Retained Earnings i257.52M904.63M
Retained Earnings % of Revenue i63.7%134.0%
Property, Plant & Equipment i9.72M21.26M

Cash Flow Statement Comparison

MetricCCB (2025)OFG (2025)
Operating Cash Flow i63.18M62.78M
Operating Cash Flow % of Revenue i15.6%9.3%
Capital Expenditures i-8.44M-16.96M
Free Cash Flow i246.15M199.34M
FCF Margin i60.8%29.5%
Debt Repayment iN/AN/A
Common Stock Repurchase i-3.53M-91.60M

Short Interest & Institutional Ownership Analysis

MetricCCBOFG
Shares Short i1.70M1.09M
Short Ratio i10.862.60
Short % of Float i12.86%3.73%
Shares Outstanding i15.14M43.26M
Float Shares i13.11M42.30M
% Held by Insiders i15.40%1.13%
% Held by Institutions i85.03%99.69%
% Held by Public i-0.43%-0.82%

Dividend Analysis & Yield Comparison: Coastal Financial Corporation vs OFG Bancorp

MetricCCBOFG
Last 12-Month Dividend iN/A$1.05
Last 12-Month Dividend Yield iN/A2.57%
3-Year Avg Annual Dividend iN/A$0.91
3-Year Avg Dividend Yield iN/A0.71%
3-Year Total Dividends iN/A$2.73
Ex-Dividend DateN/AMar 31, 2025