Mid Penn Bancorp [MPB] vs OFG Bancorp [OFG] Detailed Stock Comparison

Mid Penn Bancorp Inc.

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Mid Penn Bancorp Inc. wins in 7 metrics, OFG Bancorp wins in 11 metrics, with 0 ties. OFG Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Mid Penn Bancorp Inc. OFG Bancorp Better
P/E Ratio (TTM) 13.11 9.24 OFG Bancorp
Price-to-Book Ratio 0.95 1.39 Mid Penn Bancorp Inc.
Debt-to-Equity Ratio 0.08 0.42 Mid Penn Bancorp Inc.
PEG Ratio 0.79 0.56 OFG Bancorp
Profit Margin (TTM) 25.06% 33.64% OFG Bancorp
Operating Margin (TTM) 46.22% 42.01% Mid Penn Bancorp Inc.
EBITDA Margin (TTM) 46.22% 42.01% Mid Penn Bancorp Inc.
Return on Equity 7.66% 16.04% OFG Bancorp
Return on Assets (TTM) 0.97% 1.80% OFG Bancorp
Free Cash Flow (TTM) $71.80M $199.34M OFG Bancorp
Dividend Yield 3.45% 2.57% Mid Penn Bancorp Inc.
1-Year Return 30.51% 17.22% Mid Penn Bancorp Inc.
Price-to-Sales Ratio (TTM) 3.77 3.05 OFG Bancorp
Enterprise Value $730.72M $1.86B OFG Bancorp
EV/Revenue Ratio 3.26 2.92 OFG Bancorp
Revenue per Share (TTM) $10 $14 OFG Bancorp
Earnings per Share (Diluted) $2.55 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.50 N/A N/A
Short % of Float 2.75% 3.73% Mid Penn Bancorp Inc.

Mid Penn Bancorp Inc. vs OFG Bancorp Stock Performance Analysis

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MPB
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Mid Penn Bancorp Inc.-1.96%2.04%7.94%6.47%3.87%8.85%
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Mid Penn Bancorp Inc.30.51%41.98%28.07%119.62%290.21%45.35%
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%

Performance & Financial Health Analysis: Mid Penn Bancorp Inc. vs OFG Bancorp

MetricMPBOFG
Market Information
Market Cap i$863.56M$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i176,850264,900
90 Day Avg. Volume i188,973348,273
Last Close$33.59$47.62
52 Week Range$26.17 - $35.22$35.71 - $48.56
% from 52W High-4.63%-1.93%
All-Time High$37.90 (Jan 15, 2018)$48.56 (Jun 15, 2026)
% from All-Time High-11.37%-1.94%
Growth Metrics
Quarterly Revenue Growth0.33%0.07%
Quarterly Earnings Growth0.47%0.18%
Financial Health
Profit Margin (TTM) i0.25%0.34%
Operating Margin (TTM) i0.46%0.42%
Return on Equity (TTM) i0.08%0.16%
Debt to Equity (MRQ) i0.080.42
Cash & Liquidity
Book Value per Share (MRQ)$35.32$32.13
Cash per Share (MRQ)$4.68$14.88
Operating Cash Flow (TTM) i$80.04M$62.78M
Levered Free Cash Flow (TTM) i$56.25M$205.10M
Dividends
Last 12-Month Dividend Yield i3.45%2.57%
Last 12-Month Dividend i$1.09$1.05

Valuation & Enterprise Metrics Analysis: Mid Penn Bancorp Inc. vs OFG Bancorp

MetricMPB (Apr 24, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i13.119.24
Forward P/E i8.359.59
PEG Ratio i0.790.56
Price to Sales (TTM) i3.773.05
Price to Book (MRQ) i0.951.39
Market Capitalization
Market Capitalization i$863.56M$1.99B
Enterprise Value i$730.72M$1.86B
Enterprise Value Metrics
Enterprise to Revenue i3.262.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.50N/A
Book Value per Share (MRQ) i$35.32$32.13

Financial Statements Comparison: Mid Penn 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

MetricMPB (2025)OFG (2025)
Revenue/Sales i222.61M675.22M
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 i72.37M234.12M
Pre-Tax Income % of Revenue i32.5%34.7%
Income Tax i16.12M29.01M
Income Tax % of Revenue i7.2%4.3%
Net Income (Profit) i56.25M205.10M
Profit Margin i25.3%30.4%

Balance Sheet & Liquidity Metrics

MetricMPB (2025)OFG (2025)
Cash & Equivalents i75.87M1.04B
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 i38.54M423.17M
Long-Term Debt % of Revenue i17.3%62.7%
Total Shareholders Equity i814.06M1.39B
Retained Earnings i219.69M904.63M
Retained Earnings % of Revenue i98.7%134.0%
Property, Plant & Equipment i17.54M21.26M

Cash Flow Statement Comparison

MetricMPB (2025)OFG (2025)
Operating Cash Flow i81.51M62.78M
Operating Cash Flow % of Revenue i36.6%9.3%
Capital Expenditures i-7.88M-16.96M
Free Cash Flow i71.80M199.34M
FCF Margin i32.3%29.5%
Debt Repayment i-270.35MN/A
Common Stock Repurchase i-2.25M-91.60M

Short Interest & Institutional Ownership Analysis

MetricMPBOFG
Shares Short i653,4311.09M
Short Ratio i4.302.60
Short % of Float i2.75%3.73%
Shares Outstanding i23.05M43.26M
Float Shares i19.94M42.30M
% Held by Insiders i16.85%1.13%
% Held by Institutions i48.31%99.69%
% Held by Public i34.84%-0.82%

Dividend Analysis & Yield Comparison: Mid Penn Bancorp Inc. vs OFG Bancorp

MetricMPBOFG
Last 12-Month Dividend i$1.09$1.05
Last 12-Month Dividend Yield i3.45%2.57%
3-Year Avg Annual Dividend i$0.90$0.91
3-Year Avg Dividend Yield i0.81%0.71%
3-Year Total Dividends i$2.69$2.73
Ex-Dividend DateFeb 06, 2026Mar 31, 2025