Esquire Financial [ESQ] vs OFG Bancorp [OFG] Detailed Stock Comparison
Esquire Financial
NASDAQ
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OFG Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Esquire Financial wins in 11 metrics, OFG Bancorp wins in 7 metrics, with 0 ties. Esquire Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Esquire Financial | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 18.00 | 10.30 | OFG Bancorp |
| Price-to-Book Ratio | 2.96 | 1.47 | OFG Bancorp |
| Debt-to-Equity Ratio | 0.01 | 0.38 | Esquire Financial |
| PEG Ratio | 1.72 | 1.87 | Esquire Financial |
| Profit Margin (TTM) | 36.59% | 31.43% | Esquire Financial |
| Operating Margin (TTM) | 48.09% | 43.08% | Esquire Financial |
| EBITDA Margin (TTM) | 48.09% | 43.08% | Esquire Financial |
| Return on Equity | 19.30% | 15.20% | Esquire Financial |
| Return on Assets (TTM) | 2.46% | 1.66% | Esquire Financial |
| Free Cash Flow (TTM) | $39.06M | $210.79M | OFG Bancorp |
| Dividend Yield | 0.83% | 2.57% | OFG Bancorp |
| 1-Year Return | 65.27% | 0.36% | Esquire Financial |
| Price-to-Sales Ratio (TTM) | 6.53 | 3.14 | OFG Bancorp |
| Enterprise Value | $624.94M | $1.60B | OFG Bancorp |
| EV/Revenue Ratio | 4.93 | 2.58 | OFG Bancorp |
| Revenue per Share (TTM) | $16 | $14 | Esquire Financial |
| Earnings per Share (Diluted) | $5.39 | $4.25 | Esquire Financial |
| Beta (Stock Volatility) | 0.57 | 0.83 | Esquire Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Esquire Financial vs OFG Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Esquire Financial | 3.70% | 6.93% | 7.52% | 16.54% | 44.82% | 33.51% |
| OFG Bancorp | 2.63% | 1.56% | 4.18% | 10.04% | 10.36% | 7.79% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Esquire Financial | 65.27% | 169.43% | 627.63% | 595.13% | 595.13% | 595.13% |
| OFG Bancorp | 0.36% | 71.60% | 266.04% | 388.99% | 230.43% | 255.87% |
News Based Sentiment: Esquire Financial vs OFG Bancorp
Esquire Financial
News based Sentiment: MIXED
September presented a mixed bag for Esquire Financial Holdings, with increasing institutional interest and bullish technical signals offset by insider selling, a revenue miss, and a downgrade due to valuation concerns. The company's strategic shift towards litigation banking remains a key focus, but the conflicting signals create uncertainty for investors.
OFG Bancorp
News based Sentiment: POSITIVE
September was a strong month for OFG Bancorp, driven by better-than-expected earnings and positive analyst revisions. While institutional investor activity was mixed, the overall narrative is positive, suggesting continued growth potential and investor confidence. The consistent dividend also adds to the stock's appeal.
Performance & Financial Health Analysis: Esquire Financial vs OFG Bancorp
| Metric | ESQ | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $828.50M | $1.95B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 47,730 | 192,680 |
| 90 Day Avg. Volume | 65,523 | 208,447 |
| Last Close | $104.27 | $44.84 |
| 52 Week Range | $60.42 - $106.11 | $33.15 - $47.66 |
| % from 52W High | -1.74% | -5.92% |
| All-Time High | $106.11 (Jul 25, 2025) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -1.73% | -5.92% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.09% | -0.02% |
| Quarterly Earnings Growth | 0.13% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.37% | 0.31% |
| Operating Margin (TTM) | 0.48% | 0.43% |
| Return on Equity (TTM) | 0.19% | 0.15% |
| Debt to Equity (MRQ) | 0.01 | 0.38 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $32.74 | $29.83 |
| Cash per Share (MRQ) | $20.15 | $19.13 |
| Operating Cash Flow (TTM) | $48.51M | $215.43M |
| Levered Free Cash Flow (TTM) | $43.66M | $198.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.83% | 2.57% |
| Last 12-Month Dividend | $0.81 | $1.05 |
Valuation & Enterprise Metrics Analysis: Esquire Financial vs OFG Bancorp
| Metric | ESQ | OFG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 18.00 | 10.30 |
| Forward P/E | 17.61 | 11.08 |
| PEG Ratio | 1.72 | 1.87 |
| Price to Sales (TTM) | 6.53 | 3.14 |
| Price to Book (MRQ) | 2.96 | 1.47 |
| Market Capitalization | ||
| Market Capitalization | $828.50M | $1.95B |
| Enterprise Value | $624.94M | $1.60B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.93 | 2.58 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.57 | 0.83 |
| Book Value per Share (MRQ) | $32.74 | $29.83 |
Financial Statements Comparison: Esquire Financial 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) | ESQ | OFG |
|---|---|---|
| Revenue/Sales | $33.76M | $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 | $15.51M | $59.45M |
| Income Tax | $4.11M | $13.88M |
| Net Income (Profit) | $11.41M | $45.57M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | ESQ | OFG |
|---|---|---|
| Cash & Equivalents | $173.04M | $235.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | N/A | $275.80M |
| Total Shareholders Equity | $250.72M | $1.30B |
| Retained Earnings | $162.86M | $802.02M |
| Property, Plant & Equipment | N/A | $122.24M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | ESQ | OFG |
|---|---|---|
| Operating Cash Flow | $11.62M | $44.63M |
| Capital Expenditures | $-1.15M | $-4.35M |
| Free Cash Flow | $14.06M | $78.72M |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | N/A | $-23.39M |
Short Interest & Institutional Ownership Analysis
| Metric | ESQ | OFG |
|---|---|---|
| Shares Short | 651,360 | 532,890 |
| Short Ratio | 8.91 | 2.39 |
| Short % of Float | 0.09% | 0.02% |
| Average Daily Volume (10 Day) | 47,730 | 192,680 |
| Average Daily Volume (90 Day) | 65,523 | 208,447 |
| Shares Outstanding | 8.35M | 45.44M |
| Float Shares | 6.72M | 43.97M |
| % Held by Insiders | 0.17% | 0.01% |
| % Held by Institutions | 0.70% | 0.98% |
Dividend Analysis & Yield Comparison: Esquire Financial vs OFG Bancorp
| Metric | ESQ | OFG |
|---|---|---|
| Last 12-Month Dividend | $0.81 | $1.05 |
| Last 12-Month Dividend Yield | 0.83% | 2.57% |
| 3-Year Avg Annual Dividend | $0.59 | $0.91 |
| 3-Year Avg Dividend Yield | 0.24% | 0.71% |
| 3-Year Total Dividends | $1.76 | $2.73 |
| Ex-Dividend Date | Aug 15, 2025 | Mar 31, 2025 |