City Holding Company [CHCO] vs OFG Bancorp [OFG] Detailed Stock Comparison
City Holding Company
NASDAQ
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OFG Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: City Holding Company wins in 12 metrics, OFG Bancorp wins in 6 metrics, with 0 ties. City Holding Company appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | City Holding Company | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 14.79 | 10.04 | OFG Bancorp |
| Price-to-Book Ratio | 2.33 | 1.43 | OFG Bancorp |
| Debt-to-Equity Ratio | 0.69 | 0.38 | OFG Bancorp |
| PEG Ratio | 0.88 | 1.82 | City Holding Company |
| Profit Margin (TTM) | 40.61% | 31.43% | City Holding Company |
| Operating Margin (TTM) | 52.66% | 43.08% | City Holding Company |
| EBITDA Margin (TTM) | 52.66% | 43.08% | City Holding Company |
| Return on Equity | 16.84% | 15.20% | City Holding Company |
| Return on Assets (TTM) | 1.89% | 1.66% | City Holding Company |
| Free Cash Flow (TTM) | $129.19M | $210.79M | OFG Bancorp |
| Dividend Yield | 3.22% | 2.57% | City Holding Company |
| 1-Year Return | 4.29% | -2.22% | City Holding Company |
| Price-to-Sales Ratio (TTM) | 5.91 | 3.07 | OFG Bancorp |
| Enterprise Value | $2.09B | $1.55B | City Holding Company |
| EV/Revenue Ratio | 6.96 | 2.50 | OFG Bancorp |
| Revenue per Share (TTM) | $21 | $14 | City Holding Company |
| Earnings per Share (Diluted) | $8.30 | $4.25 | City Holding Company |
| Beta (Stock Volatility) | 0.53 | 0.81 | City Holding Company |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
City Holding Company vs OFG Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| City Holding Company | -0.78% | -0.46% | -4.34% | -2.74% | 12.20% | 5.32% |
| OFG Bancorp | -2.06% | -1.73% | -2.66% | -3.05% | 23.73% | 3.77% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| City Holding Company | 4.29% | 32.50% | 109.42% | 157.62% | 279.20% | 264.65% |
| OFG Bancorp | -2.22% | 60.07% | 206.82% | 385.06% | 219.07% | 283.73% |
News Based Sentiment: City Holding Company vs OFG Bancorp
City Holding Company
News based Sentiment: POSITIVE
City Holding Company’s record earnings for 2023, coupled with a dividend announcement, paints a positive picture for investors. The significant increases in net income and net interest income demonstrate strong financial performance and a commitment to shareholder value, making this a noteworthy month for the company.
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: City Holding Company vs OFG Bancorp
| Metric | CHCO | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $1.84B | $1.98B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 79,202 | 196,237 |
| 90 Day Avg. Volume | 85,601 | 223,516 |
| Last Close | $122.61 | $42.28 |
| 52 Week Range | $102.22 - $137.28 | $33.15 - $47.66 |
| % from 52W High | -10.69% | -11.29% |
| All-Time High | $137.28 (Nov 25, 2024) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -10.69% | -11.29% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.10% | -0.02% |
| Quarterly Earnings Growth | 0.15% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.41% | 0.31% |
| Operating Margin (TTM) | 0.53% | 0.43% |
| Return on Equity (TTM) | 0.17% | 0.15% |
| Debt to Equity (MRQ) | 0.69 | 0.38 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $52.72 | $29.83 |
| Cash per Share (MRQ) | $14.72 | $19.13 |
| Operating Cash Flow (TTM) | $131.14M | $215.43M |
| Levered Free Cash Flow (TTM) | $116.03M | $198.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.22% | 2.57% |
| Last 12-Month Dividend | $4.03 | $1.05 |
Valuation & Enterprise Metrics Analysis: City Holding Company vs OFG Bancorp
| Metric | CHCO | OFG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 14.79 | 10.04 |
| Forward P/E | 16.32 | 10.80 |
| PEG Ratio | 0.88 | 1.82 |
| Price to Sales (TTM) | 5.91 | 3.07 |
| Price to Book (MRQ) | 2.33 | 1.43 |
| Market Capitalization | ||
| Market Capitalization | $1.84B | $1.98B |
| Enterprise Value | $2.09B | $1.55B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 6.96 | 2.50 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.53 | 0.81 |
| Book Value per Share (MRQ) | $52.72 | $29.83 |
Financial Statements Comparison: City Holding Company 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) | CHCO | OFG |
|---|---|---|
| Revenue/Sales | $75.67M | $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 | $41.16M | $59.45M |
| Income Tax | $7.77M | $13.88M |
| Net Income (Profit) | $33.39M | $45.57M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | CHCO | OFG |
|---|---|---|
| Cash & Equivalents | $384.71M | $235.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $150.00M | $275.80M |
| Total Shareholders Equity | $756.34M | $1.30B |
| Retained Earnings | $871.41M | $802.02M |
| Property, Plant & Equipment | N/A | $122.24M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | CHCO | OFG |
|---|---|---|
| Operating Cash Flow | $31.23M | $44.63M |
| Capital Expenditures | $-207,000 | $-4.35M |
| Free Cash Flow | $31.26M | $78.72M |
| Debt Repayment | $-186,000 | N/A |
| Common Stock Repurchase | $-9.46M | $-23.39M |
Short Interest & Institutional Ownership Analysis
| Metric | CHCO | OFG |
|---|---|---|
| Shares Short | 934,584 | 664,670 |
| Short Ratio | 11.49 | 3.48 |
| Short % of Float | 0.09% | 0.02% |
| Average Daily Volume (10 Day) | 79,202 | 196,237 |
| Average Daily Volume (90 Day) | 85,601 | 223,516 |
| Shares Outstanding | 14.71M | 45.44M |
| Float Shares | 14.22M | 43.97M |
| % Held by Insiders | 0.04% | 0.01% |
| % Held by Institutions | 0.74% | 0.98% |
Dividend Analysis & Yield Comparison: City Holding Company vs OFG Bancorp
| Metric | CHCO | OFG |
|---|---|---|
| Last 12-Month Dividend | $4.03 | $1.05 |
| Last 12-Month Dividend Yield | 3.22% | 2.57% |
| 3-Year Avg Annual Dividend | $3.16 | $0.91 |
| 3-Year Avg Dividend Yield | 0.69% | 0.71% |
| 3-Year Total Dividends | $9.47 | $2.73 |
| Ex-Dividend Date | Oct 15, 2025 | Mar 31, 2025 |