Merchants Bancorp [MBIN] vs OFG Bancorp [OFG] Detailed Stock Comparison
Merchants Bancorp
NASDAQ
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OFG Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Merchants Bancorp wins in 9 metrics, OFG Bancorp wins in 9 metrics, with 0 ties. Both stocks appear equally matched on key metrics.
View Metrics Details
Vital Metrics Comparison
| Metric | Merchants Bancorp | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 7.09 | 10.04 | Merchants Bancorp |
| Price-to-Book Ratio | 0.90 | 1.43 | Merchants Bancorp |
| Debt-to-Equity Ratio | 1.84 | 0.38 | OFG Bancorp |
| PEG Ratio | -0.12 | 1.82 | Merchants Bancorp |
| Profit Margin (TTM) | 42.33% | 31.43% | Merchants Bancorp |
| Operating Margin (TTM) | 44.37% | 43.08% | Merchants Bancorp |
| EBITDA Margin (TTM) | 44.37% | 43.08% | Merchants Bancorp |
| Return on Equity | 12.43% | 15.20% | OFG Bancorp |
| Return on Assets (TTM) | 1.36% | 1.66% | OFG Bancorp |
| Free Cash Flow (TTM) | $-853.67M | $210.79M | OFG Bancorp |
| Dividend Yield | 1.44% | 2.57% | OFG Bancorp |
| 1-Year Return | -28.53% | -4.24% | OFG Bancorp |
| Price-to-Sales Ratio (TTM) | 2.47 | 3.07 | Merchants Bancorp |
| Enterprise Value | $4.98B | $1.55B | Merchants Bancorp |
| EV/Revenue Ratio | 8.33 | 2.50 | OFG Bancorp |
| Revenue per Share (TTM) | $13 | $14 | OFG Bancorp |
| Earnings per Share (Diluted) | $4.54 | $4.25 | Merchants Bancorp |
| Beta (Stock Volatility) | 1.29 | 0.81 | OFG Bancorp |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Merchants Bancorp vs OFG Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Merchants Bancorp | -0.47% | 0.85% | -2.37% | -8.14% | -3.90% | -10.92% |
| OFG Bancorp | -2.06% | -2.78% | -4.67% | -5.05% | 21.18% | 1.63% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Merchants Bancorp | -28.53% | 35.43% | 123.48% | 186.34% | 186.34% | 186.34% |
| OFG Bancorp | -4.24% | 56.77% | 200.50% | 375.06% | 212.49% | 275.82% |
News Based Sentiment: Merchants Bancorp vs OFG Bancorp
Merchants Bancorp
News based Sentiment: NEGATIVE
Merchants Bancorp reported mixed Q2 2025 results, with a revenue beat overshadowed by a significant earnings miss and concerns about loan quality. The upcoming Q3 earnings release will be critical in determining whether the bank can address these challenges and improve its financial performance.
OFG Bancorp
News based Sentiment: MIXED
October saw a mix of positive analyst sentiment regarding OFG Bancorp's valuation and growth potential, alongside cautions about economic reliance and competition. The upcoming earnings report on October 22nd will be a key event to watch, making this a moderately significant month for investors.
Performance & Financial Health Analysis: Merchants Bancorp vs OFG Bancorp
| Metric | MBIN | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $1.48B | $1.98B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 129,200 | 196,237 |
| 90 Day Avg. Volume | 177,427 | 223,516 |
| Last Close | $32.07 | $42.28 |
| 52 Week Range | $27.25 - $46.78 | $33.15 - $47.66 |
| % from 52W High | -31.45% | -11.29% |
| All-Time High | $53.27 (Jul 29, 2024) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -39.80% | -11.29% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.16% | -0.02% |
| Quarterly Earnings Growth | -0.50% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.42% | 0.31% |
| Operating Margin (TTM) | 0.44% | 0.43% |
| Return on Equity (TTM) | 0.12% | 0.15% |
| Debt to Equity (MRQ) | 1.84 | 0.38 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $35.60 | $29.83 |
| Cash per Share (MRQ) | $23.35 | $19.13 |
| Operating Cash Flow (TTM) | $-475,739,008 | $215.43M |
| Levered Free Cash Flow (TTM) | $283.65M | $198.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.44% | 2.57% |
| Last 12-Month Dividend | $0.48 | $1.05 |
Valuation & Enterprise Metrics Analysis: Merchants Bancorp vs OFG Bancorp
| Metric | MBIN | OFG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 7.09 | 10.04 |
| Forward P/E | 5.79 | 10.80 |
| PEG Ratio | -0.12 | 1.82 |
| Price to Sales (TTM) | 2.47 | 3.07 |
| Price to Book (MRQ) | 0.90 | 1.43 |
| Market Capitalization | ||
| Market Capitalization | $1.48B | $1.98B |
| Enterprise Value | $4.98B | $1.55B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 8.33 | 2.50 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.29 | 0.81 |
| Book Value per Share (MRQ) | $35.60 | $29.83 |
Financial Statements Comparison: Merchants 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) | MBIN | OFG |
|---|---|---|
| Revenue/Sales | $145.09M | $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 | $76.50M | $59.45M |
| Income Tax | $18.26M | $13.88M |
| Net Income (Profit) | $58.24M | $45.57M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | MBIN | OFG |
|---|---|---|
| Cash & Equivalents | $521.30M | $235.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $4.00B | $275.80M |
| Total Shareholders Equity | $2.16B | $1.30B |
| Retained Earnings | $1.37B | $802.02M |
| Property, Plant & Equipment | N/A | $122.24M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | MBIN | OFG |
|---|---|---|
| Operating Cash Flow | $113.52M | $44.63M |
| Capital Expenditures | $-6.86M | $-4.35M |
| Free Cash Flow | $141.18M | $78.72M |
| Debt Repayment | $-59.02B | N/A |
| Common Stock Repurchase | N/A | $-23.39M |
Short Interest & Institutional Ownership Analysis
| Metric | MBIN | OFG |
|---|---|---|
| Shares Short | 1.69M | 664,670 |
| Short Ratio | 8.94 | 3.48 |
| Short % of Float | 0.06% | 0.02% |
| Average Daily Volume (10 Day) | 129,200 | 196,237 |
| Average Daily Volume (90 Day) | 177,427 | 223,516 |
| Shares Outstanding | 45.77M | 45.44M |
| Float Shares | 29.30M | 43.97M |
| % Held by Insiders | 0.44% | 0.01% |
| % Held by Institutions | 0.34% | 0.98% |
Dividend Analysis & Yield Comparison: Merchants Bancorp vs OFG Bancorp
| Metric | MBIN | OFG |
|---|---|---|
| Last 12-Month Dividend | $0.48 | $1.05 |
| Last 12-Month Dividend Yield | 1.44% | 2.57% |
| 3-Year Avg Annual Dividend | $0.37 | $0.91 |
| 3-Year Avg Dividend Yield | 0.26% | 0.71% |
| 3-Year Total Dividends | $1.12 | $2.73 |
| Ex-Dividend Date | Sep 15, 2025 | Mar 31, 2025 |