Community Trust [CTBI] vs OFG Bancorp [OFG] Detailed Stock Comparison

Community Trust Bancorp Inc.

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Community Trust Bancorp Inc. wins in 10 metrics, OFG Bancorp wins in 8 metrics, with 0 ties. Community Trust Bancorp Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Community Trust Bancorp Inc. OFG Bancorp Better
P/E Ratio (TTM) 11.40 9.24 OFG Bancorp
Price-to-Book Ratio 1.36 1.39 Community Trust Bancorp Inc.
Debt-to-Equity Ratio 0.44 0.42 OFG Bancorp
PEG Ratio 0.48 0.56 Community Trust Bancorp Inc.
Profit Margin (TTM) 36.96% 33.64% Community Trust Bancorp Inc.
Operating Margin (TTM) 50.21% 42.01% Community Trust Bancorp Inc.
EBITDA Margin (TTM) 50.21% 42.01% Community Trust Bancorp Inc.
Return on Equity 12.48% 16.04% OFG Bancorp
Return on Assets (TTM) 1.59% 1.80% OFG Bancorp
Free Cash Flow (TTM) $97.39M $199.34M OFG Bancorp
Dividend Yield 3.98% 2.57% Community Trust Bancorp Inc.
1-Year Return 40.81% 17.22% Community Trust Bancorp Inc.
Price-to-Sales Ratio (TTM) 4.23 3.05 OFG Bancorp
Enterprise Value $1.47B $1.86B OFG Bancorp
EV/Revenue Ratio 5.26 2.92 OFG Bancorp
Revenue per Share (TTM) $16 $14 Community Trust Bancorp Inc.
Earnings per Share (Diluted) $5.71 $4.84 Community Trust Bancorp Inc.
Beta (Stock Volatility) 0.55 N/A N/A
Short % of Float 1.55% 3.73% Community Trust Bancorp Inc.

Community Trust Bancorp Inc. vs OFG Bancorp Stock Performance Analysis

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CTBI
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Community Trust Bancorp Inc.-3.32%0.75%7.50%16.43%14.51%21.98%
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Community Trust Bancorp Inc.40.81%88.11%77.91%107.22%187.71%131.86%
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%

Performance & Financial Health Analysis: Community Trust Bancorp Inc. vs OFG Bancorp

MetricCTBIOFG
Market Information
Market Cap i$1.19B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i119,964264,900
90 Day Avg. Volume i104,128348,273
Last Close$68.82$47.62
52 Week Range$49.61 - $71.28$35.71 - $48.56
% from 52W High-3.45%-1.93%
All-Time High$71.31 (Jun 12, 2026)$48.56 (Jun 15, 2026)
% from All-Time High-3.49%-1.94%
Growth Metrics
Quarterly Revenue Growth0.15%0.07%
Quarterly Earnings Growth0.24%0.18%
Financial Health
Profit Margin (TTM) i0.37%0.34%
Operating Margin (TTM) i0.50%0.42%
Return on Equity (TTM) i0.12%0.16%
Debt to Equity (MRQ) i0.440.42
Cash & Liquidity
Book Value per Share (MRQ)$47.99$32.13
Cash per Share (MRQ)$5.04$14.88
Operating Cash Flow (TTM) i$91.28M$62.78M
Levered Free Cash Flow (TTM) i$98.06M$205.10M
Dividends
Last 12-Month Dividend Yield i3.98%2.57%
Last 12-Month Dividend i$2.53$1.05

Valuation & Enterprise Metrics Analysis: Community Trust Bancorp Inc. vs OFG Bancorp

MetricCTBI (Apr 24, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.409.24
Forward P/E i10.439.59
PEG Ratio i0.480.56
Price to Sales (TTM) i4.233.05
Price to Book (MRQ) i1.361.39
Market Capitalization
Market Capitalization i$1.19B$1.99B
Enterprise Value i$1.47B$1.86B
Enterprise Value Metrics
Enterprise to Revenue i5.262.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.55N/A
Book Value per Share (MRQ) i$47.99$32.13

Financial Statements Comparison: Community Trust Bancorp 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

MetricCTBI (2025)OFG (2025)
Revenue/Sales i282.60M675.22M
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 i127.09M234.12M
Pre-Tax Income % of Revenue i45.0%34.7%
Income Tax i29.03M29.01M
Income Tax % of Revenue i10.3%4.3%
Net Income (Profit) i98.06M205.10M
Profit Margin i34.7%30.4%

Balance Sheet & Liquidity Metrics

MetricCTBI (2025)OFG (2025)
Cash & Equivalents i363.93M1.04B
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 i80.49M423.17M
Long-Term Debt % of Revenue i28.5%62.7%
Total Shareholders Equity i856.07M1.39B
Retained Earnings i593.89M904.63M
Retained Earnings % of Revenue i210.2%134.0%
Property, Plant & Equipment i15.43M21.26M

Cash Flow Statement Comparison

MetricCTBI (2025)OFG (2025)
Operating Cash Flow i91.28M62.78M
Operating Cash Flow % of Revenue i32.3%9.3%
Capital Expenditures i-6.49M-16.96M
Free Cash Flow i97.39M199.34M
FCF Margin i34.5%29.5%
Debt Repayment i-100.44MN/A
Common Stock Repurchase iN/A-91.60M

Short Interest & Institutional Ownership Analysis

MetricCTBIOFG
Shares Short i242,6771.09M
Short Ratio i2.782.60
Short % of Float i1.55%3.73%
Shares Outstanding i18.16M43.26M
Float Shares i15.60M42.30M
% Held by Insiders i1.42%1.13%
% Held by Institutions i66.13%99.69%
% Held by Public i32.45%-0.82%

Dividend Analysis & Yield Comparison: Community Trust Bancorp Inc. vs OFG Bancorp

MetricCTBIOFG
Last 12-Month Dividend i$2.53$1.05
Last 12-Month Dividend Yield i3.98%2.57%
3-Year Avg Annual Dividend i$2.06$0.91
3-Year Avg Dividend Yield i1.02%0.71%
3-Year Total Dividends i$6.19$2.73
Ex-Dividend DateMar 13, 2026Mar 31, 2025