Columbia Financial [CLBK] vs OFG Bancorp [OFG] Detailed Stock Comparison

Columbia Financial

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Columbia Financial wins in 4 metrics, OFG Bancorp wins in 13 metrics, with 0 ties. OFG Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricColumbia FinancialOFG BancorpBetter
P/E Ratio (TTM)212.7110.04OFG Bancorp
Price-to-Book Ratio1.391.43Columbia Financial
Debt-to-Equity Ratio1.160.38OFG Bancorp
PEG Ratio1.061.82Columbia Financial
Profit Margin (TTM)3.29%31.43%OFG Bancorp
Operating Margin (TTM)29.71%43.08%OFG Bancorp
EBITDA Margin (TTM)29.71%43.08%OFG Bancorp
Return on Equity0.57%15.20%OFG Bancorp
Return on Assets (TTM)0.06%1.66%OFG Bancorp
Free Cash Flow (TTM)$25.88M$210.79MOFG Bancorp
Dividend YieldN/A2.57%N/A
1-Year Return-8.52%-2.22%OFG Bancorp
Price-to-Sales Ratio (TTM)8.343.07OFG Bancorp
Enterprise Value$2.61B$1.55BColumbia Financial
EV/Revenue Ratio13.912.50OFG Bancorp
Revenue per Share (TTM)$2$14OFG Bancorp
Earnings per Share (Diluted)$0.07$4.25OFG Bancorp
Beta (Stock Volatility)0.340.81Columbia Financial
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Columbia Financial vs OFG Bancorp Stock Performance Analysis

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Columbia Financial
OFG Bancorp
Columbia Financial Stock Overview | OFG Bancorp Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Columbia Financial3.16%1.92%1.79%2.67%16.89%-1.41%
OFG Bancorp1.22%-1.73%-2.66%-3.05%23.73%3.77%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Columbia Financial-8.52%-29.70%25.49%-2.04%-2.04%-2.04%
OFG Bancorp-2.22%60.07%206.82%385.06%219.07%283.73%

News Based Sentiment: Columbia Financial vs OFG Bancorp

Columbia Financial

News based Sentiment: NEGATIVE

The first quarter results revealed declines in key financial metrics – net income, net interest income, and efficiency ratio – signaling a challenging period for Columbia Financial. These results are important for investors as they indicate potential headwinds impacting the company's profitability and overall performance.

View Columbia 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: Columbia Financial vs OFG Bancorp

MetricCLBKOFG
Market Information
Market Cap i$1.59B$1.98B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i116,838196,237
90 Day Avg. Volume i128,193223,516
Last Close$15.36$43.17
52 Week Range$12.64 - $19.28$33.15 - $47.66
% from 52W High-20.33%-9.42%
All-Time High$22.86 (Jul 25, 2022)$47.66 (Nov 25, 2024)
% from All-Time High-32.81%-9.42%
Growth Metrics
Quarterly Revenue Growth0.20%-0.02%
Quarterly Earnings Growth1.71%0.01%
Financial Health
Profit Margin (TTM) i0.03%0.31%
Operating Margin (TTM) i0.30%0.43%
Return on Equity (TTM) i0.01%0.15%
Debt to Equity (MRQ) i1.160.38
Cash & Liquidity
Book Value per Share (MRQ)$10.68$29.83
Cash per Share (MRQ)$2.48$19.13
Operating Cash Flow (TTM) i$13.67M$215.43M
Levered Free Cash Flow (TTM) i$-11,653,000$198.17M
Dividends
Last 12-Month Dividend Yield iN/A2.57%
Last 12-Month Dividend iN/A$1.05

Valuation & Enterprise Metrics Analysis: Columbia Financial vs OFG Bancorp

MetricCLBKOFG
Price Ratios
P/E Ratio (TTM) i212.7110.04
Forward P/E i41.3610.80
PEG Ratio i1.061.82
Price to Sales (TTM) i8.343.07
Price to Book (MRQ) i1.391.43
Market Capitalization
Market Capitalization i$1.59B$1.98B
Enterprise Value i$2.61B$1.55B
Enterprise Value Metrics
Enterprise to Revenue i13.912.50
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.340.81
Book Value per Share (MRQ) i$10.68$29.83

Financial Statements Comparison: Columbia 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)CLBKOFG
Revenue/Sales i$58.80M$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$12.02M$59.45M
Income Tax i$3.12M$13.88M
Net Income (Profit) i$8.90M$45.57M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)CLBKOFG
Cash & Equivalents i$248.22M$235.00M
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$1.27B$275.80M
Total Shareholders Equity i$1.12B$1.30B
Retained Earnings i$903.16M$802.02M
Property, Plant & Equipment iN/A$122.24M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)CLBKOFG
Operating Cash Flow i$12.52M$44.63M
Capital Expenditures i$-2.88M$-4.35M
Free Cash Flow i$-4.48M$78.72M
Debt Repayment i$-60.00MN/A
Common Stock Repurchase i$-130,000$-23.39M

Short Interest & Institutional Ownership Analysis

MetricCLBKOFG
Shares Short i1.61M664,670
Short Ratio i14.413.48
Short % of Float i0.06%0.02%
Average Daily Volume (10 Day) i116,838196,237
Average Daily Volume (90 Day) i128,193223,516
Shares Outstanding i104.76M45.44M
Float Shares i27.18M43.97M
% Held by Insiders i0.74%0.01%
% Held by Institutions i0.13%0.98%

Dividend Analysis & Yield Comparison: Columbia Financial vs OFG Bancorp

MetricCLBKOFG
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