Northwest Bancshares [NWBI] vs OFG Bancorp [OFG] Detailed Stock Comparison

Northwest Bancshares Inc.

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Northwest Bancshares Inc. 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 Northwest Bancshares Inc. OFG Bancorp Better
P/E Ratio (TTM) 14.37 9.24 OFG Bancorp
Price-to-Book Ratio 1.02 1.39 Northwest Bancshares Inc.
Debt-to-Equity Ratio 0.41 0.42 Northwest Bancshares Inc.
PEG Ratio 0.75 0.56 OFG Bancorp
Profit Margin (TTM) 21.03% 33.64% OFG Bancorp
Operating Margin (TTM) 39.86% 42.01% OFG Bancorp
EBITDA Margin (TTM) 39.86% 42.01% OFG Bancorp
Return on Equity 7.23% 16.04% OFG Bancorp
Return on Assets (TTM) 0.81% 1.80% OFG Bancorp
Free Cash Flow (TTM) $141.79M $199.34M OFG Bancorp
Dividend Yield 6.05% 2.57% Northwest Bancshares Inc.
1-Year Return 15.23% 10.74% Northwest Bancshares Inc.
Price-to-Sales Ratio (TTM) 3.23 3.05 OFG Bancorp
Enterprise Value $2.45B $1.86B Northwest Bancshares Inc.
EV/Revenue Ratio 4.10 2.92 OFG Bancorp
Revenue per Share (TTM) $4 $14 OFG Bancorp
Earnings per Share (Diluted) $0.92 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.63 N/A N/A
Short % of Float 5.64% 3.73% OFG Bancorp

Northwest Bancshares Inc. vs OFG Bancorp Stock Performance Analysis

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NWBI
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Northwest Bancshares Inc.-2.54%0.43%2.76%12.11%15.50%18.20%
OFG Bancorp-1.84%-0.28%0.97%12.30%13.81%11.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Northwest Bancshares Inc.15.23%24.56%-0.84%-3.48%17.43%25.55%
OFG Bancorp10.74%70.96%88.81%418.91%279.67%255.94%

Performance & Financial Health Analysis: Northwest Bancshares Inc. vs OFG Bancorp

MetricNWBIOFG
Market Information
Market Cap i$1.96B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i1,051,338264,900
90 Day Avg. Volume i1,576,466348,273
Last Close$13.80$44.73
52 Week Range$11.25 - $14.26$35.71 - $46.85
% from 52W High-3.23%-4.53%
All-Time High$19.10 (Dec 05, 2016)$47.66 (Nov 25, 2024)
% from All-Time High-27.75%-6.15%
Growth Metrics
Quarterly Revenue Growth0.25%0.07%
Quarterly Earnings Growth0.40%0.18%
Financial Health
Profit Margin (TTM) i0.21%0.34%
Operating Margin (TTM) i0.40%0.42%
Return on Equity (TTM) i0.07%0.16%
Debt to Equity (MRQ) i0.410.42
Cash & Liquidity
Book Value per Share (MRQ)$12.94$32.13
Cash per Share (MRQ)$1.78$14.88
Operating Cash Flow (TTM) i$153.42M$62.78M
Levered Free Cash Flow (TTM) i$125.95M$205.10M
Dividends
Last 12-Month Dividend Yield i6.05%2.57%
Last 12-Month Dividend i$0.80$1.05

Valuation & Enterprise Metrics Analysis: Northwest Bancshares Inc. vs OFG Bancorp

MetricNWBI (Apr 24, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i14.379.24
Forward P/E i9.299.59
PEG Ratio i0.750.56
Price to Sales (TTM) i3.233.05
Price to Book (MRQ) i1.021.39
Market Capitalization
Market Capitalization i$1.96B$1.99B
Enterprise Value i$2.45B$1.86B
Enterprise Value Metrics
Enterprise to Revenue i4.102.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.63N/A
Book Value per Share (MRQ) i$12.94$32.13

Financial Statements Comparison: Northwest Bancshares 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

MetricNWBI (2025)OFG (2025)
Revenue/Sales i651.87M675.22M
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 i162.79M234.12M
Pre-Tax Income % of Revenue i25.0%34.7%
Income Tax i36.78M29.01M
Income Tax % of Revenue i5.6%4.3%
Net Income (Profit) i126.01M205.10M
Profit Margin i19.3%30.4%

Balance Sheet & Liquidity Metrics

MetricNWBI (2025)OFG (2025)
Cash & Equivalents i233.65M1.04B
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 i350.38M423.17M
Long-Term Debt % of Revenue i53.7%62.7%
Total Shareholders Equity i1.89B1.39B
Retained Earnings i689.21M904.63M
Retained Earnings % of Revenue i105.7%134.0%
Property, Plant & Equipment iN/A21.26M

Cash Flow Statement Comparison

MetricNWBI (2025)OFG (2025)
Operating Cash Flow i101.16M62.78M
Operating Cash Flow % of Revenue i15.5%9.3%
Capital Expenditures i-11.63M-16.96M
Free Cash Flow i141.79M199.34M
FCF Margin i21.8%29.5%
Debt Repayment i-35.38MN/A
Common Stock Repurchase iN/A-91.60M

Short Interest & Institutional Ownership Analysis

MetricNWBIOFG
Shares Short i6.32M1.09M
Short Ratio i3.722.60
Short % of Float i5.64%3.73%
Shares Outstanding i146.11M43.26M
Float Shares i144.46M42.30M
% Held by Insiders i0.85%1.13%
% Held by Institutions i69.28%99.69%
% Held by Public i29.87%-0.82%

Dividend Analysis & Yield Comparison: Northwest Bancshares Inc. vs OFG Bancorp

MetricNWBIOFG
Last 12-Month Dividend i$0.80$1.05
Last 12-Month Dividend Yield i6.05%2.57%
3-Year Avg Annual Dividend i$0.80$0.91
3-Year Avg Dividend Yield i1.65%0.71%
3-Year Total Dividends i$2.40$2.73
Ex-Dividend DateFeb 05, 2026Mar 31, 2025