German American [GABC] vs OFG Bancorp [OFG] Detailed Stock Comparison

German American Bancorp Inc.

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: German American Bancorp Inc. wins in 6 metrics, OFG Bancorp wins in 12 metrics, with 0 ties. OFG Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric German American Bancorp Inc. OFG Bancorp Better
P/E Ratio (TTM) 14.16 9.24 OFG Bancorp
Price-to-Book Ratio 1.40 1.39 OFG Bancorp
Debt-to-Equity Ratio 0.17 0.42 German American Bancorp Inc.
PEG Ratio 0.65 0.56 OFG Bancorp
Profit Margin (TTM) 32.93% 33.64% OFG Bancorp
Operating Margin (TTM) 47.42% 42.01% German American Bancorp Inc.
EBITDA Margin (TTM) 47.42% 42.01% German American Bancorp Inc.
Return on Equity 12.00% 16.04% OFG Bancorp
Return on Assets (TTM) 1.53% 1.80% OFG Bancorp
Free Cash Flow (TTM) $154.00M $199.34M OFG Bancorp
Dividend Yield 3.61% 2.57% German American Bancorp Inc.
1-Year Return 22.85% 17.22% German American Bancorp Inc.
Price-to-Sales Ratio (TTM) 4.76 3.05 OFG Bancorp
Enterprise Value $1.69B $1.86B OFG Bancorp
EV/Revenue Ratio 4.95 2.92 OFG Bancorp
Revenue per Share (TTM) $9 $14 OFG Bancorp
Earnings per Share (Diluted) $3.06 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.58 N/A N/A
Short % of Float 3.33% 3.73% German American Bancorp Inc.

German American Bancorp Inc. vs OFG Bancorp Stock Performance Analysis

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GABC
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
German American Bancorp Inc.-2.05%1.28%8.00%11.70%7.87%15.66%
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
German American Bancorp Inc.22.85%56.69%22.07%116.25%323.92%422.30%
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%

Performance & Financial Health Analysis: German American Bancorp Inc. vs OFG Bancorp

MetricGABCOFG
Market Information
Market Cap i$1.64B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i134,181264,900
90 Day Avg. Volume i190,747348,273
Last Close$44.97$47.62
52 Week Range$36.55 - $46.39$35.71 - $48.56
% from 52W High-3.06%-1.93%
All-Time High$51.11 (Mar 15, 2021)$48.56 (Jun 15, 2026)
% from All-Time High-12.01%-1.94%
Growth Metrics
Quarterly Revenue Growth0.45%0.07%
Quarterly Earnings Growth0.54%0.18%
Financial Health
Profit Margin (TTM) i0.33%0.34%
Operating Margin (TTM) i0.47%0.42%
Return on Equity (TTM) i0.12%0.16%
Debt to Equity (MRQ) i0.170.42
Cash & Liquidity
Book Value per Share (MRQ)$31.00$32.13
Cash per Share (MRQ)$3.28$14.88
Operating Cash Flow (TTM) i$159.32M$62.78M
Levered Free Cash Flow (TTM) i$112.64M$205.10M
Dividends
Last 12-Month Dividend Yield i3.61%2.57%
Last 12-Month Dividend i$1.47$1.05

Valuation & Enterprise Metrics Analysis: German American Bancorp Inc. vs OFG Bancorp

MetricGABC (Apr 24, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i14.169.24
Forward P/E i10.859.59
PEG Ratio i0.650.56
Price to Sales (TTM) i4.763.05
Price to Book (MRQ) i1.401.39
Market Capitalization
Market Capitalization i$1.64B$1.99B
Enterprise Value i$1.69B$1.86B
Enterprise Value Metrics
Enterprise to Revenue i4.952.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.58N/A
Book Value per Share (MRQ) i$31.00$32.13

Financial Statements Comparison: German American 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

MetricGABC (2025)OFG (2025)
Revenue/Sales i361.44M675.22M
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 i140.07M234.12M
Pre-Tax Income % of Revenue i38.8%34.7%
Income Tax i27.44M29.01M
Income Tax % of Revenue i7.6%4.3%
Net Income (Profit) i112.64M205.10M
Profit Margin i31.2%30.4%

Balance Sheet & Liquidity Metrics

MetricGABC (2025)OFG (2025)
Cash & Equivalents i71.93M1.04B
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 i138.83M423.17M
Long-Term Debt % of Revenue i38.4%62.7%
Total Shareholders Equity i1.16B1.39B
Retained Earnings i582.95M904.63M
Retained Earnings % of Revenue i161.3%134.0%
Property, Plant & Equipment iN/A21.26M

Cash Flow Statement Comparison

MetricGABC (2025)OFG (2025)
Operating Cash Flow i146.86M62.78M
Operating Cash Flow % of Revenue i40.6%9.3%
Capital Expenditures i-5.24M-16.96M
Free Cash Flow i154.00M199.34M
FCF Margin i42.6%29.5%
Debt Repayment i-64.48MN/A
Common Stock Repurchase iN/A-91.60M

Short Interest & Institutional Ownership Analysis

MetricGABCOFG
Shares Short i1.21M1.09M
Short Ratio i5.892.60
Short % of Float i3.33%3.73%
Shares Outstanding i37.50M43.26M
Float Shares i35.88M42.30M
% Held by Insiders i3.19%1.13%
% Held by Institutions i53.04%99.69%
% Held by Public i43.77%-0.82%

Dividend Analysis & Yield Comparison: German American Bancorp Inc. vs OFG Bancorp

MetricGABCOFG
Last 12-Month Dividend i$1.47$1.05
Last 12-Month Dividend Yield i3.61%2.57%
3-Year Avg Annual Dividend i$1.18$0.91
3-Year Avg Dividend Yield i0.76%0.71%
3-Year Total Dividends i$3.55$2.73
Ex-Dividend DateFeb 10, 2026Mar 31, 2025