Preferred Bank [PFBC] vs OFG Bancorp [OFG] Detailed Stock Comparison
Preferred Bank
NASDAQ
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OFG Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Preferred Bank wins in 11 metrics, OFG Bancorp wins in 7 metrics, with 0 ties. Preferred Bank appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Preferred Bank | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.41 | 9.95 | Preferred Bank |
| Price-to-Book Ratio | 1.49 | 1.42 | OFG Bancorp |
| Debt-to-Equity Ratio | 0.50 | 0.38 | OFG Bancorp |
| PEG Ratio | 2.36 | 1.81 | OFG Bancorp |
| Profit Margin (TTM) | 47.20% | 31.43% | Preferred Bank |
| Operating Margin (TTM) | 69.63% | 43.08% | Preferred Bank |
| EBITDA Margin (TTM) | 69.63% | 43.08% | Preferred Bank |
| Return on Equity | 17.20% | 15.20% | Preferred Bank |
| Return on Assets (TTM) | 1.79% | 1.66% | Preferred Bank |
| Free Cash Flow (TTM) | $163.61M | $210.79M | OFG Bancorp |
| Dividend Yield | 3.89% | 2.57% | Preferred Bank |
| 1-Year Return | 8.61% | -2.54% | Preferred Bank |
| Price-to-Sales Ratio (TTM) | 4.13 | 3.10 | OFG Bancorp |
| Enterprise Value | $683.34M | $1.53B | OFG Bancorp |
| EV/Revenue Ratio | 2.55 | 2.48 | OFG Bancorp |
| Revenue per Share (TTM) | $20 | $14 | Preferred Bank |
| Earnings per Share (Diluted) | $9.51 | $4.25 | Preferred Bank |
| Beta (Stock Volatility) | 0.72 | 0.81 | Preferred Bank |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Preferred Bank vs OFG Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Preferred Bank | -2.64% | -0.33% | -5.57% | -2.75% | 12.53% | 4.47% |
| OFG Bancorp | -3.67% | 1.27% | -2.00% | -3.06% | 16.36% | 3.44% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Preferred Bank | 8.61% | 30.52% | 163.15% | 188.19% | 963.57% | -32.93% |
| OFG Bancorp | -2.54% | 59.55% | 205.83% | 383.48% | 218.03% | 282.49% |
News Based Sentiment: Preferred Bank vs OFG Bancorp
Preferred Bank
News based Sentiment: MIXED
Preferred Bank reported a mixed quarter with an earnings beat but revenue miss, alongside positive shareholder returns and a slight downward revision of earnings estimates. Insider selling adds a layer of caution, creating a mixed investment narrative. While the bank demonstrates financial stability, recent developments suggest a need for careful monitoring.
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: Preferred Bank vs OFG Bancorp
| Metric | PFBC | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $1.11B | $1.94B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 64,419 | 181,090 |
| 90 Day Avg. Volume | 76,376 | 225,703 |
| Last Close | $86.99 | $41.45 |
| 52 Week Range | $71.90 - $99.78 | $33.15 - $47.66 |
| % from 52W High | -12.82% | -13.03% |
| All-Time High | $224.20 (Feb 05, 2007) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -61.20% | -13.03% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.03% | -0.02% |
| Quarterly Earnings Growth | -0.02% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.47% | 0.31% |
| Operating Margin (TTM) | 0.70% | 0.43% |
| Return on Equity (TTM) | 0.17% | 0.15% |
| Debt to Equity (MRQ) | 0.50 | 0.38 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $60.20 | $29.83 |
| Cash per Share (MRQ) | $64.34 | $19.13 |
| Operating Cash Flow (TTM) | $165.86M | $215.43M |
| Levered Free Cash Flow (TTM) | $130.66M | $198.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.89% | 2.57% |
| Last 12-Month Dividend | $3.70 | $1.05 |
Valuation & Enterprise Metrics Analysis: Preferred Bank vs OFG Bancorp
| Metric | PFBC | OFG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.41 | 9.95 |
| Forward P/E | 10.15 | 10.70 |
| PEG Ratio | 2.36 | 1.81 |
| Price to Sales (TTM) | 4.13 | 3.10 |
| Price to Book (MRQ) | 1.49 | 1.42 |
| Market Capitalization | ||
| Market Capitalization | $1.11B | $1.94B |
| Enterprise Value | $683.34M | $1.53B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.55 | 2.48 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.72 | 0.81 |
| Book Value per Share (MRQ) | $60.20 | $29.83 |
Financial Statements Comparison: Preferred Bank 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) | PFBC | OFG |
|---|---|---|
| Revenue/Sales | $66.66M | $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 | $42.59M | $59.45M |
| Income Tax | $12.56M | $13.88M |
| Net Income (Profit) | $30.02M | $45.57M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PFBC | OFG |
|---|---|---|
| Cash & Equivalents | $905.18M | $235.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $172.55M | $275.80M |
| Total Shareholders Equity | $778.60M | $1.30B |
| Retained Earnings | $705.36M | $802.02M |
| Property, Plant & Equipment | $28.56M | $122.24M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PFBC | OFG |
|---|---|---|
| Operating Cash Flow | $43.61M | $44.63M |
| Capital Expenditures | $-331,000 | $-4.35M |
| Free Cash Flow | $44.25M | $78.72M |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | $-13.24M | $-23.39M |
Short Interest & Institutional Ownership Analysis
| Metric | PFBC | OFG |
|---|---|---|
| Shares Short | 968,457 | 664,670 |
| Short Ratio | 14.52 | 3.48 |
| Short % of Float | 0.09% | 0.02% |
| Average Daily Volume (10 Day) | 64,419 | 181,090 |
| Average Daily Volume (90 Day) | 76,376 | 225,703 |
| Shares Outstanding | 13.19M | 45.44M |
| Float Shares | 10.86M | 43.97M |
| % Held by Insiders | 0.08% | 0.01% |
| % Held by Institutions | 0.90% | 0.98% |
Dividend Analysis & Yield Comparison: Preferred Bank vs OFG Bancorp
| Metric | PFBC | OFG |
|---|---|---|
| Last 12-Month Dividend | $3.70 | $1.05 |
| Last 12-Month Dividend Yield | 3.89% | 2.57% |
| 3-Year Avg Annual Dividend | $2.81 | $0.91 |
| 3-Year Avg Dividend Yield | 0.88% | 0.71% |
| 3-Year Total Dividends | $8.43 | $2.73 |
| Ex-Dividend Date | Oct 07, 2025 | Mar 31, 2025 |