HBT Financial [HBT] vs OFG Bancorp [OFG] Detailed Stock Comparison

HBT Financial Inc.

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: HBT Financial 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 HBT Financial Inc. OFG Bancorp Better
P/E Ratio (TTM) 11.43 9.24 OFG Bancorp
Price-to-Book Ratio 1.42 1.39 OFG Bancorp
Debt-to-Equity Ratio 0.11 0.42 HBT Financial Inc.
PEG Ratio -1.83 0.56 OFG Bancorp
Profit Margin (TTM) 32.92% 33.64% OFG Bancorp
Operating Margin (TTM) 46.08% 42.01% HBT Financial Inc.
EBITDA Margin (TTM) 46.08% 42.01% HBT Financial Inc.
Return on Equity 13.28% 16.04% OFG Bancorp
Return on Assets (TTM) 1.52% 1.80% OFG Bancorp
Free Cash Flow (TTM) $74.82M $199.34M OFG Bancorp
Dividend Yield 3.78% 2.57% HBT Financial Inc.
1-Year Return 30.56% 17.22% HBT Financial Inc.
Price-to-Sales Ratio (TTM) 4.34 3.05 OFG Bancorp
Enterprise Value $819.58M $1.86B OFG Bancorp
EV/Revenue Ratio 3.50 2.92 OFG Bancorp
Revenue per Share (TTM) $7 $14 OFG Bancorp
Earnings per Share (Diluted) $2.44 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.55 N/A N/A
Short % of Float 0.84% 3.73% HBT Financial Inc.

HBT Financial Inc. vs OFG Bancorp Stock Performance Analysis

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HBT
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
HBT Financial Inc.-1.96%2.04%10.66%13.00%11.12%16.65%
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
HBT Financial Inc.30.56%58.25%75.40%96.85%96.85%96.85%
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%

Performance & Financial Health Analysis: HBT Financial Inc. vs OFG Bancorp

MetricHBTOFG
Market Information
Market Cap i$1.02B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i73,172264,900
90 Day Avg. Volume i67,817348,273
Last Close$29.99$47.62
52 Week Range$22.36 - $30.85$35.71 - $48.56
% from 52W High-2.79%-1.93%
All-Time High$30.85 (Jun 12, 2026)$48.56 (Jun 15, 2026)
% from All-Time High-2.79%-1.94%
Growth Metrics
Quarterly Revenue Growth0.01%0.07%
Quarterly Earnings Growth-0.07%0.18%
Financial Health
Profit Margin (TTM) i0.33%0.34%
Operating Margin (TTM) i0.46%0.42%
Return on Equity (TTM) i0.13%0.16%
Debt to Equity (MRQ) i0.110.42
Cash & Liquidity
Book Value per Share (MRQ)$19.58$32.13
Cash per Share (MRQ)$3.99$14.88
Operating Cash Flow (TTM) i$85.07M$62.78M
Levered Free Cash Flow (TTM) i$77.01M$205.10M
Dividends
Last 12-Month Dividend Yield i3.78%2.57%
Last 12-Month Dividend i$1.07$1.05

Valuation & Enterprise Metrics Analysis: HBT Financial Inc. vs OFG Bancorp

MetricHBT (Apr 23, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.439.24
Forward P/E i9.109.59
PEG Ratio i-1.830.56
Price to Sales (TTM) i4.343.05
Price to Book (MRQ) i1.421.39
Market Capitalization
Market Capitalization i$1.02B$1.99B
Enterprise Value i$819.58M$1.86B
Enterprise Value Metrics
Enterprise to Revenue i3.502.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.55N/A
Book Value per Share (MRQ) i$19.58$32.13

Financial Statements Comparison: HBT Financial 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

MetricHBT (2025)OFG (2025)
Revenue/Sales i235.74M675.22M
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 i104.51M234.12M
Pre-Tax Income % of Revenue i44.3%34.7%
Income Tax i27.50M29.01M
Income Tax % of Revenue i11.7%4.3%
Net Income (Profit) i77.01M205.10M
Profit Margin i32.7%30.4%

Balance Sheet & Liquidity Metrics

MetricHBT (2025)OFG (2025)
Cash & Equivalents i122.27M1.04B
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 i65.21M423.17M
Long-Term Debt % of Revenue i27.7%62.7%
Total Shareholders Equity i615.50M1.39B
Retained Earnings i367.16M904.63M
Retained Earnings % of Revenue i155.7%134.0%
Property, Plant & Equipment i105.28M21.26M

Cash Flow Statement Comparison

MetricHBT (2025)OFG (2025)
Operating Cash Flow i87.15M62.78M
Operating Cash Flow % of Revenue i37.0%9.3%
Capital Expenditures i-10.17M-16.96M
Free Cash Flow i74.82M199.34M
FCF Margin i31.7%29.5%
Debt Repayment i-47.89MN/A
Common Stock Repurchase i-4.51M-91.60M

Short Interest & Institutional Ownership Analysis

MetricHBTOFG
Shares Short i147,3821.09M
Short Ratio i1.612.60
Short % of Float i0.84%3.73%
Shares Outstanding i31.43M43.26M
Float Shares i14.11M42.30M
% Held by Insiders i56.36%1.13%
% Held by Institutions i21.35%99.69%
% Held by Public i22.29%-0.82%

Dividend Analysis & Yield Comparison: HBT Financial Inc. vs OFG Bancorp

MetricHBTOFG
Last 12-Month Dividend i$1.07$1.05
Last 12-Month Dividend Yield i3.78%2.57%
3-Year Avg Annual Dividend i$0.84$0.91
3-Year Avg Dividend Yield i0.89%0.71%
3-Year Total Dividends i$2.51$2.73
Ex-Dividend DateFeb 09, 2026Mar 31, 2025