City Holding Company [CHCO] vs OFG Bancorp [OFG] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: City Holding Company 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 | City Holding Company | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 13.96 | 9.24 | OFG Bancorp |
| Price-to-Book Ratio | 2.28 | 1.39 | OFG Bancorp |
| Debt-to-Equity Ratio | 0.65 | 0.42 | OFG Bancorp |
| PEG Ratio | 1.13 | 0.56 | OFG Bancorp |
| Profit Margin (TTM) | 41.26% | 33.64% | City Holding Company |
| Operating Margin (TTM) | 50.95% | 42.01% | City Holding Company |
| EBITDA Margin (TTM) | 50.95% | 42.01% | City Holding Company |
| Return on Equity | 17.01% | 16.04% | City Holding Company |
| Return on Assets (TTM) | 1.97% | 1.80% | City Holding Company |
| Free Cash Flow (TTM) | $128.45M | $199.34M | OFG Bancorp |
| Dividend Yield | 3.27% | 2.57% | City Holding Company |
| 1-Year Return | 5.45% | 10.74% | OFG Bancorp |
| Price-to-Sales Ratio (TTM) | 5.69 | 3.05 | OFG Bancorp |
| Enterprise Value | $2.03B | $1.86B | City Holding Company |
| EV/Revenue Ratio | 6.36 | 2.92 | OFG Bancorp |
| Revenue per Share (TTM) | $22 | $14 | City Holding Company |
| Earnings per Share (Diluted) | $9.07 | $4.84 | City Holding Company |
| Short % of Float | 9.96% | 3.73% | OFG Bancorp |
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 | -1.47% | 0.11% | 2.43% | 3.65% | 3.38% | 4.57% |
| OFG Bancorp | -1.84% | -0.28% | 0.97% | 12.30% | 13.81% | 11.09% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| City Holding Company | 5.45% | 33.57% | 56.11% | 153.54% | 301.91% | 239.18% |
| OFG Bancorp | 10.74% | 70.96% | 88.81% | 418.91% | 279.67% | 255.94% |
Performance & Financial Health Analysis: City Holding Company vs OFG Bancorp
| Metric | CHCO | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $1.79B | $1.99B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 100,169 | 264,900 |
| 90 Day Avg. Volume | 141,310 | 348,273 |
| Last Close | $123.53 | $44.73 |
| 52 Week Range | $113.21 - $133.59 | $35.71 - $46.85 |
| % from 52W High | -7.53% | -4.53% |
| All-Time High | $137.28 (Nov 25, 2024) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -10.02% | -6.15% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.06% | 0.07% |
| Quarterly Earnings Growth | 0.05% | 0.18% |
| Financial Health | ||
| Profit Margin (TTM) | 0.41% | 0.34% |
| Operating Margin (TTM) | 0.51% | 0.42% |
| Return on Equity (TTM) | 0.17% | 0.16% |
| Debt to Equity (MRQ) | 0.65 | 0.42 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $55.67 | $32.13 |
| Cash per Share (MRQ) | $20.95 | $14.88 |
| Operating Cash Flow (TTM) | $132.26M | $62.78M |
| Levered Free Cash Flow (TTM) | $129.33M | $205.10M |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.27% | 2.57% |
| Last 12-Month Dividend | $4.11 | $1.05 |
Valuation & Enterprise Metrics Analysis: City Holding Company vs OFG Bancorp
| Metric | CHCO (Apr 26, 2026) | OFG (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 13.96 | 9.24 |
| Forward P/E | 13.49 | 9.59 |
| PEG Ratio | 1.13 | 0.56 |
| Price to Sales (TTM) | 5.69 | 3.05 |
| Price to Book (MRQ) | 2.28 | 1.39 |
| Market Capitalization | ||
| Market Capitalization | $1.79B | $1.99B |
| Enterprise Value | $2.03B | $1.86B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 6.36 | 2.92 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | N/A | N/A |
| Book Value per Share (MRQ) | $55.67 | $32.13 |
Financial Statements Comparison: City Holding Company 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
| Metric | CHCO (2025) | OFG (2025) |
|---|---|---|
| Revenue/Sales | 305.18M | 675.22M |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 161.47M | 234.12M |
| Pre-Tax Income % of Revenue | 52.9% | 34.7% |
| Income Tax | 30.98M | 29.01M |
| Income Tax % of Revenue | 10.2% | 4.3% |
| Net Income (Profit) | 130.49M | 205.10M |
| Profit Margin | 42.8% | 30.4% |
Balance Sheet & Liquidity Metrics
| Metric | CHCO (2025) | OFG (2025) |
|---|---|---|
| Cash & Equivalents | 191.92M | 1.04B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 150.00M | 423.17M |
| Long-Term Debt % of Revenue | 49.2% | 62.7% |
| Total Shareholders Equity | 809.68M | 1.39B |
| Retained Earnings | 935.05M | 904.63M |
| Retained Earnings % of Revenue | 306.4% | 134.0% |
| Property, Plant & Equipment | N/A | 21.26M |
Cash Flow Statement Comparison
| Metric | CHCO (2025) | OFG (2025) |
|---|---|---|
| Operating Cash Flow | 132.26M | 62.78M |
| Operating Cash Flow % of Revenue | 43.3% | 9.3% |
| Capital Expenditures | -2.88M | -16.96M |
| Free Cash Flow | 128.45M | 199.34M |
| FCF Margin | 42.1% | 29.5% |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | -45.76M | -91.60M |
Short Interest & Institutional Ownership Analysis
| Metric | CHCO | OFG |
|---|---|---|
| Shares Short | 996,470 | 1.09M |
| Short Ratio | 6.82 | 2.60 |
| Short % of Float | 9.96% | 3.73% |
| Shares Outstanding | 14.35M | 43.26M |
| Float Shares | 14.01M | 42.30M |
| % Held by Insiders | 4.30% | 1.13% |
| % Held by Institutions | 72.00% | 99.69% |
| % Held by Public | 23.70% | -0.82% |
Dividend Analysis & Yield Comparison: City Holding Company vs OFG Bancorp
| Metric | CHCO | OFG |
|---|---|---|
| Last 12-Month Dividend | $4.11 | $1.05 |
| Last 12-Month Dividend Yield | 3.27% | 2.57% |
| 3-Year Avg Annual Dividend | $3.23 | $0.91 |
| 3-Year Avg Dividend Yield | 0.69% | 0.71% |
| 3-Year Total Dividends | $9.69 | $2.73 |
| Ex-Dividend Date | Jan 15, 2026 | Mar 31, 2025 |