HarborOne Bancorp [HONE] vs OFG Bancorp [OFG] Detailed Stock Comparison
HarborOne Bancorp
NASDAQ
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OFG Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: HarborOne Bancorp wins in 5 metrics, OFG Bancorp wins in 13 metrics, with 0 ties. OFG Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | HarborOne Bancorp | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 19.98 | 10.30 | OFG Bancorp |
| Price-to-Book Ratio | 0.91 | 1.47 | HarborOne Bancorp |
| Debt-to-Equity Ratio | 0.79 | 0.38 | OFG Bancorp |
| PEG Ratio | 1.80 | 1.87 | HarborOne Bancorp |
| Profit Margin (TTM) | 16.00% | 31.43% | OFG Bancorp |
| Operating Margin (TTM) | 29.63% | 43.08% | OFG Bancorp |
| EBITDA Margin (TTM) | 29.63% | 43.08% | OFG Bancorp |
| Return on Equity | 4.56% | 15.20% | OFG Bancorp |
| Return on Assets (TTM) | 0.46% | 1.66% | OFG Bancorp |
| Free Cash Flow (TTM) | $2.60M | $210.79M | OFG Bancorp |
| Dividend Yield | 3.70% | 2.57% | HarborOne Bancorp |
| 1-Year Return | 4.39% | 0.36% | HarborOne Bancorp |
| Price-to-Sales Ratio (TTM) | 3.42 | 3.14 | OFG Bancorp |
| Enterprise Value | $785.45M | $1.60B | OFG Bancorp |
| EV/Revenue Ratio | 4.77 | 2.58 | OFG Bancorp |
| Revenue per Share (TTM) | $4 | $14 | OFG Bancorp |
| Earnings per Share (Diluted) | $0.65 | $4.25 | OFG Bancorp |
| Beta (Stock Volatility) | 0.64 | 0.83 | HarborOne Bancorp |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
HarborOne Bancorp vs OFG Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| HarborOne Bancorp | 2.65% | 3.67% | 11.61% | 22.29% | 26.28% | 15.81% |
| OFG Bancorp | 2.63% | 1.56% | 4.18% | 10.04% | 10.36% | 7.79% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| HarborOne Bancorp | 4.39% | -3.35% | 74.16% | 89.78% | 89.78% | 89.78% |
| OFG Bancorp | 0.36% | 71.60% | 266.04% | 388.99% | 230.43% | 255.87% |
News Based Sentiment: HarborOne Bancorp vs OFG Bancorp
HarborOne Bancorp
News based Sentiment: POSITIVE
September was a positive month for HarborOne Bancorp, driven by strong analyst sentiment, continued progress on the Eastern Bankshares merger, and a dividend payout. While some institutional selling occurred, the overall narrative points to a company executing well and poised for growth, making it a compelling investment opportunity.
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: HarborOne Bancorp vs OFG Bancorp
| Metric | HONE | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $565.39M | $1.95B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 186,550 | 192,680 |
| 90 Day Avg. Volume | 189,087 | 208,447 |
| Last Close | $13.55 | $44.84 |
| 52 Week Range | $8.89 - $13.73 | $33.15 - $47.66 |
| % from 52W High | -1.31% | -5.92% |
| All-Time High | $15.56 (Oct 31, 2022) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -12.92% | -5.92% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.05% | -0.02% |
| Quarterly Earnings Growth | 0.10% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.16% | 0.31% |
| Operating Margin (TTM) | 0.30% | 0.43% |
| Return on Equity (TTM) | 0.05% | 0.15% |
| Debt to Equity (MRQ) | 0.79 | 0.38 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $14.32 | $29.83 |
| Cash per Share (MRQ) | $5.00 | $19.13 |
| Operating Cash Flow (TTM) | $46.78M | $215.43M |
| Levered Free Cash Flow (TTM) | $27.41M | $198.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.70% | 2.57% |
| Last 12-Month Dividend | $0.43 | $1.05 |
Valuation & Enterprise Metrics Analysis: HarborOne Bancorp vs OFG Bancorp
| Metric | HONE | OFG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 19.98 | 10.30 |
| Forward P/E | 14.93 | 11.08 |
| PEG Ratio | 1.80 | 1.87 |
| Price to Sales (TTM) | 3.42 | 3.14 |
| Price to Book (MRQ) | 0.91 | 1.47 |
| Market Capitalization | ||
| Market Capitalization | $565.39M | $1.95B |
| Enterprise Value | $785.45M | $1.60B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.77 | 2.58 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.64 | 0.83 |
| Book Value per Share (MRQ) | $14.32 | $29.83 |
Financial Statements Comparison: HarborOne Bancorp 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) | HONE | OFG |
|---|---|---|
| Revenue/Sales | $40.09M | $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 | $7.13M | $59.45M |
| Income Tax | $1.63M | $13.88M |
| Net Income (Profit) | $5.50M | $45.57M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | HONE | OFG |
|---|---|---|
| Cash & Equivalents | $230.49M | $235.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $399.55M | $275.80M |
| Total Shareholders Equity | $575.97M | $1.30B |
| Retained Earnings | $375.71M | $802.02M |
| Property, Plant & Equipment | N/A | $122.24M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | HONE | OFG |
|---|---|---|
| Operating Cash Flow | $24.70M | $44.63M |
| Capital Expenditures | $-208,000 | $-4.35M |
| Free Cash Flow | $23.15M | $78.72M |
| Debt Repayment | $-60.01M | N/A |
| Common Stock Repurchase | $-6.38M | $-23.39M |
Short Interest & Institutional Ownership Analysis
| Metric | HONE | OFG |
|---|---|---|
| Shares Short | 580,269 | 532,890 |
| Short Ratio | 2.82 | 2.39 |
| Short % of Float | 0.02% | 0.02% |
| Average Daily Volume (10 Day) | 186,550 | 192,680 |
| Average Daily Volume (90 Day) | 189,087 | 208,447 |
| Shares Outstanding | 43.72M | 45.44M |
| Float Shares | 32.75M | 43.97M |
| % Held by Insiders | 0.13% | 0.01% |
| % Held by Institutions | 0.62% | 0.98% |
Dividend Analysis & Yield Comparison: HarborOne Bancorp vs OFG Bancorp
| Metric | HONE | OFG |
|---|---|---|
| Last 12-Month Dividend | $0.43 | $1.05 |
| Last 12-Month Dividend Yield | 3.70% | 2.57% |
| 3-Year Avg Annual Dividend | $0.34 | $0.91 |
| 3-Year Avg Dividend Yield | 0.71% | 0.71% |
| 3-Year Total Dividends | $1.01 | $2.73 |
| Ex-Dividend Date | Sep 03, 2025 | Mar 31, 2025 |