Orrstown Financial [ORRF] vs OFG Bancorp [OFG] Detailed Stock Comparison

Orrstown Financial Services Inc.

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Orrstown Financial Services Inc. wins in 8 metrics, OFG Bancorp wins in 10 metrics, with 0 ties. OFG Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Orrstown Financial Services Inc. OFG Bancorp Better
P/E Ratio (TTM) 8.39 9.24 Orrstown Financial Services Inc.
Price-to-Book Ratio 1.21 1.39 Orrstown Financial Services Inc.
Debt-to-Equity Ratio 0.44 0.42 OFG Bancorp
PEG Ratio 0.41 0.56 Orrstown Financial Services Inc.
Profit Margin (TTM) 33.13% 33.64% OFG Bancorp
Operating Margin (TTM) 47.16% 42.01% Orrstown Financial Services Inc.
EBITDA Margin (TTM) 47.16% 42.01% Orrstown Financial Services Inc.
Return on Equity 14.90% 16.04% OFG Bancorp
Return on Assets (TTM) 1.54% 1.80% OFG Bancorp
Free Cash Flow (TTM) $70.50M $199.34M OFG Bancorp
Dividend Yield 3.78% 2.57% Orrstown Financial Services Inc.
1-Year Return 32.12% 17.22% Orrstown Financial Services Inc.
Price-to-Sales Ratio (TTM) 2.82 3.05 Orrstown Financial Services Inc.
Enterprise Value $820.85M $1.86B OFG Bancorp
EV/Revenue Ratio 3.21 2.92 OFG Bancorp
Revenue per Share (TTM) $13 $14 OFG Bancorp
Earnings per Share (Diluted) $4.37 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.75 N/A N/A
Short % of Float 4.31% 3.73% OFG Bancorp

Orrstown Financial Services Inc. vs OFG Bancorp Stock Performance Analysis

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ORRF
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Orrstown Financial Services Inc.-2.13%3.30%11.08%13.01%2.73%11.97%
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Orrstown Financial Services Inc.32.12%105.14%61.90%123.13%58.62%13.95%
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%

Performance & Financial Health Analysis: Orrstown Financial Services Inc. vs OFG Bancorp

MetricORRFOFG
Market Information
Market Cap i$719.07M$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i102,084264,900
90 Day Avg. Volume i174,791348,273
Last Close$39.09$47.62
52 Week Range$29.39 - $40.72$35.71 - $48.56
% from 52W High-4.00%-1.93%
All-Time High$45.35 (Feb 16, 2004)$48.56 (Jun 15, 2026)
% from All-Time High-13.80%-1.94%
Growth Metrics
Quarterly Revenue Growth0.05%0.07%
Quarterly Earnings Growth0.21%0.18%
Financial Health
Profit Margin (TTM) i0.33%0.34%
Operating Margin (TTM) i0.47%0.42%
Return on Equity (TTM) i0.15%0.16%
Debt to Equity (MRQ) i0.440.42
Cash & Liquidity
Book Value per Share (MRQ)$30.32$32.13
Cash per Share (MRQ)$8.22$14.88
Operating Cash Flow (TTM) i$99.26M$62.78M
Levered Free Cash Flow (TTM) i$80.86M$205.10M
Dividends
Last 12-Month Dividend Yield i3.78%2.57%
Last 12-Month Dividend i$1.36$1.05

Valuation & Enterprise Metrics Analysis: Orrstown Financial Services Inc. vs OFG Bancorp

MetricORRF (Apr 24, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.399.24
Forward P/E i8.469.59
PEG Ratio i0.410.56
Price to Sales (TTM) i2.823.05
Price to Book (MRQ) i1.211.39
Market Capitalization
Market Capitalization i$719.07M$1.99B
Enterprise Value i$820.85M$1.86B
Enterprise Value Metrics
Enterprise to Revenue i3.212.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.75N/A
Book Value per Share (MRQ) i$30.32$32.13

Financial Statements Comparison: Orrstown Financial Services 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

MetricORRF (2025)OFG (2025)
Revenue/Sales i248.91M675.22M
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 i102.64M234.12M
Pre-Tax Income % of Revenue i41.2%34.7%
Income Tax i21.78M29.01M
Income Tax % of Revenue i8.8%4.3%
Net Income (Profit) i80.86M205.10M
Profit Margin i32.5%30.4%

Balance Sheet & Liquidity Metrics

MetricORRF (2025)OFG (2025)
Cash & Equivalents i149.77M1.04B
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 i311.82M423.17M
Long-Term Debt % of Revenue i125.3%62.7%
Total Shareholders Equity i591.54M1.39B
Retained Earnings i186.75M904.63M
Retained Earnings % of Revenue i75.0%134.0%
Property, Plant & Equipment iN/A21.26M

Cash Flow Statement Comparison

MetricORRF (2025)OFG (2025)
Operating Cash Flow i99.26M62.78M
Operating Cash Flow % of Revenue i39.9%9.3%
Capital Expenditures i-4.22M-16.96M
Free Cash Flow i70.50M199.34M
FCF Margin i28.3%29.5%
Debt Repayment i-47.50MN/A
Common Stock Repurchase i-2.27M-91.60M

Short Interest & Institutional Ownership Analysis

MetricORRFOFG
Shares Short i808,7531.09M
Short Ratio i3.752.60
Short % of Float i4.31%3.73%
Shares Outstanding i19.61M43.26M
Float Shares i18.67M42.30M
% Held by Insiders i3.93%1.13%
% Held by Institutions i60.58%99.69%
% Held by Public i35.49%-0.82%

Dividend Analysis & Yield Comparison: Orrstown Financial Services Inc. vs OFG Bancorp

MetricORRFOFG
Last 12-Month Dividend i$1.36$1.05
Last 12-Month Dividend Yield i3.78%2.57%
3-Year Avg Annual Dividend i$1.01$0.91
3-Year Avg Dividend Yield i0.83%0.71%
3-Year Total Dividends i$3.02$2.73
Ex-Dividend DateFeb 10, 2026Mar 31, 2025