OceanFirst Financial [OCFC] vs OFG Bancorp [OFG] Detailed Stock Comparison

OceanFirst Financial Corp.

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: OceanFirst Financial Corp. 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 OceanFirst Financial Corp. OFG Bancorp Better
P/E Ratio (TTM) 16.15 9.24 OFG Bancorp
Price-to-Book Ratio 0.65 1.39 OceanFirst Financial Corp.
Debt-to-Equity Ratio 1.07 0.42 OFG Bancorp
PEG Ratio -0.45 0.56 OFG Bancorp
Profit Margin (TTM) 18.26% 33.64% OFG Bancorp
Operating Margin (TTM) 32.15% 42.01% OFG Bancorp
EBITDA Margin (TTM) 32.15% 42.01% OFG Bancorp
Return on Equity 4.22% 16.04% OFG Bancorp
Return on Assets (TTM) 0.51% 1.80% OFG Bancorp
Free Cash Flow (TTM) $79.51M $199.34M OFG Bancorp
Dividend Yield 5.45% 2.57% OceanFirst Financial Corp.
1-Year Return 11.78% 10.74% OceanFirst Financial Corp.
Price-to-Sales Ratio (TTM) 2.79 3.05 OceanFirst Financial Corp.
Enterprise Value $2.67B $1.86B OceanFirst Financial Corp.
EV/Revenue Ratio 6.87 2.92 OFG Bancorp
Revenue per Share (TTM) $7 $14 OFG Bancorp
Earnings per Share (Diluted) $1.17 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.98 N/A N/A
Short % of Float 9.24% 3.73% OFG Bancorp

OceanFirst Financial Corp. vs OFG Bancorp Stock Performance Analysis

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OCFC
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
OceanFirst Financial Corp.2.65%-7.81%-5.76%-6.37%-10.71%-2.75%
OFG Bancorp2.75%-1.89%-0.89%11.05%9.93%9.04%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
OceanFirst Financial Corp.11.78%21.62%-15.40%2.23%42.89%-14.82%
OFG Bancorp10.74%70.96%88.81%418.91%279.67%255.94%

Performance & Financial Health Analysis: OceanFirst Financial Corp. vs OFG Bancorp

MetricOCFCOFG
Market Information
Market Cap i$1.09B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i536,451264,900
90 Day Avg. Volume i652,230348,273
Last Close$17.81$45.96
52 Week Range$16.09 - $20.61$35.71 - $46.85
% from 52W High-13.59%-1.90%
All-Time High$30.90 (Jun 18, 2018)$47.66 (Nov 25, 2024)
% from All-Time High-42.36%-3.57%
Growth Metrics
Quarterly Revenue Growth0.10%0.07%
Quarterly Earnings Growth-0.40%0.18%
Financial Health
Profit Margin (TTM) i0.18%0.34%
Operating Margin (TTM) i0.32%0.42%
Return on Equity (TTM) i0.04%0.16%
Debt to Equity (MRQ) i1.070.42
Cash & Liquidity
Book Value per Share (MRQ)$29.00$32.13
Cash per Share (MRQ)$3.37$14.88
Operating Cash Flow (TTM) i$87.21M$62.78M
Levered Free Cash Flow (TTM) i$67.13M$205.10M
Dividends
Last 12-Month Dividend Yield i5.45%2.57%
Last 12-Month Dividend i$1.00$1.05

Valuation & Enterprise Metrics Analysis: OceanFirst Financial Corp. vs OFG Bancorp

MetricOCFC (Apr 24, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i16.159.24
Forward P/E i7.769.59
PEG Ratio i-0.450.56
Price to Sales (TTM) i2.793.05
Price to Book (MRQ) i0.651.39
Market Capitalization
Market Capitalization i$1.09B$1.99B
Enterprise Value i$2.67B$1.86B
Enterprise Value Metrics
Enterprise to Revenue i6.872.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.98N/A
Book Value per Share (MRQ) i$29.00$32.13

Financial Statements Comparison: OceanFirst Financial Corp. 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

MetricOCFC (2025)OFG (2025)
Revenue/Sales i400.34M675.22M
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 i92.52M234.12M
Pre-Tax Income % of Revenue i23.1%34.7%
Income Tax i21.49M29.01M
Income Tax % of Revenue i5.4%4.3%
Net Income (Profit) i71.03M205.10M
Profit Margin i17.7%30.4%

Balance Sheet & Liquidity Metrics

MetricOCFC (2025)OFG (2025)
Cash & Equivalents i135.13M1.04B
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 i1.58B423.17M
Long-Term Debt % of Revenue i394.7%62.7%
Total Shareholders Equity i1.66B1.39B
Retained Earnings i662.62M904.63M
Retained Earnings % of Revenue i165.5%134.0%
Property, Plant & Equipment i5.52M21.26M

Cash Flow Statement Comparison

MetricOCFC (2025)OFG (2025)
Operating Cash Flow i83.51M62.78M
Operating Cash Flow % of Revenue i20.9%9.3%
Capital Expenditures i-7.70M-16.96M
Free Cash Flow i79.51M199.34M
FCF Margin i19.9%29.5%
Debt Repayment i-125.00MN/A
Common Stock Repurchase i-82.28M-91.60M

Short Interest & Institutional Ownership Analysis

MetricOCFCOFG
Shares Short i5.13M1.09M
Short Ratio i7.572.60
Short % of Float i9.24%3.73%
Shares Outstanding i57.39M43.26M
Float Shares i55.23M42.30M
% Held by Insiders i3.25%1.13%
% Held by Institutions i83.93%99.69%
% Held by Public i12.82%-0.82%

Dividend Analysis & Yield Comparison: OceanFirst Financial Corp. vs OFG Bancorp

MetricOCFCOFG
Last 12-Month Dividend i$1.00$1.05
Last 12-Month Dividend Yield i5.45%2.57%
3-Year Avg Annual Dividend i$0.87$0.91
3-Year Avg Dividend Yield i1.19%0.71%
3-Year Total Dividends i$2.60$2.73
Ex-Dividend DateFeb 02, 2026Mar 31, 2025