Premier Financial [PFC] vs OFG Bancorp [OFG] Detailed Stock Comparison
Premier Financial
NASDAQ
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OFG Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Premier Financial wins in 3 metrics, OFG Bancorp wins in 14 metrics, with 0 ties. OFG Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Premier Financial | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 14.16 | 9.95 | OFG Bancorp |
| Price-to-Book Ratio | 1.00 | 1.42 | Premier Financial |
| Debt-to-Equity Ratio | 0.59 | 0.38 | OFG Bancorp |
| PEG Ratio | 13.16 | 1.81 | OFG Bancorp |
| Profit Margin (TTM) | 28.60% | 31.43% | OFG Bancorp |
| Operating Margin (TTM) | 46.72% | 43.08% | Premier Financial |
| EBITDA Margin (TTM) | 46.72% | 43.08% | Premier Financial |
| Return on Equity | 7.22% | 15.20% | OFG Bancorp |
| Return on Assets (TTM) | 0.83% | 1.66% | OFG Bancorp |
| Free Cash Flow (TTM) | $89.70M | $210.79M | OFG Bancorp |
| Dividend Yield | N/A | 2.57% | N/A |
| 1-Year Return | -54.10% | -2.54% | OFG Bancorp |
| Price-to-Sales Ratio (TTM) | 4.03 | 3.10 | OFG Bancorp |
| Enterprise Value | $1.48B | $1.53B | OFG Bancorp |
| EV/Revenue Ratio | 5.91 | 2.48 | OFG Bancorp |
| Revenue per Share (TTM) | $7 | $14 | OFG Bancorp |
| Earnings per Share (Diluted) | $1.98 | $4.25 | OFG Bancorp |
| Beta (Stock Volatility) | 1.22 | 0.81 | OFG Bancorp |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Premier Financial vs OFG Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Premier Financial | 0.00% | 0.18% | 3.13% | 2.19% | 21.81% | 11.45% |
| OFG Bancorp | -3.67% | 1.27% | -2.00% | -3.06% | 16.36% | 3.44% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Premier Financial | -54.10% | -46.84% | -61.26% | 18.02% | -52.62% | 24.59% |
| OFG Bancorp | -2.54% | 59.55% | 205.83% | 383.48% | 218.03% | 282.49% |
News Based Sentiment: Premier Financial vs OFG Bancorp
Premier Financial
News sentiment data is not available for Premier Financial at this time.
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: Premier Financial vs OFG Bancorp
| Metric | PFC | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $1.01B | $1.94B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 442,672 | 181,090 |
| 90 Day Avg. Volume | 297,817 | 225,703 |
| Last Close | $28.04 | $41.45 |
| 52 Week Range | $18.63 - $29.64 | $33.15 - $47.66 |
| % from 52W High | -5.40% | -13.03% |
| All-Time High | $42.46 (Nov 30, 2015) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -33.96% | -13.03% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.04% | -0.02% |
| Quarterly Earnings Growth | 0.04% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.29% | 0.31% |
| Operating Margin (TTM) | 0.47% | 0.43% |
| Return on Equity (TTM) | 0.07% | 0.15% |
| Debt to Equity (MRQ) | 0.59 | 0.38 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $27.95 | $29.83 |
| Cash per Share (MRQ) | $3.39 | $19.13 |
| Operating Cash Flow (TTM) | $89.51M | $215.43M |
| Levered Free Cash Flow (TTM) | $63.67M | $198.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 2.57% |
| Last 12-Month Dividend | N/A | $1.05 |
Valuation & Enterprise Metrics Analysis: Premier Financial vs OFG Bancorp
| Metric | PFC | OFG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 14.16 | 9.95 |
| Forward P/E | 13.16 | 10.70 |
| PEG Ratio | 13.16 | 1.81 |
| Price to Sales (TTM) | 4.03 | 3.10 |
| Price to Book (MRQ) | 1.00 | 1.42 |
| Market Capitalization | ||
| Market Capitalization | $1.01B | $1.94B |
| Enterprise Value | $1.48B | $1.53B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.91 | 2.48 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.22 | 0.81 |
| Book Value per Share (MRQ) | $27.95 | $29.83 |
Financial Statements Comparison: Premier Financial 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) | PFC | OFG |
|---|---|---|
| Revenue/Sales | $63.06M | $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 | $24.28M | $59.45M |
| Income Tax | $5.28M | $13.88M |
| Net Income (Profit) | $19.00M | $45.57M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PFC | OFG |
|---|---|---|
| Cash & Equivalents | $121.49M | $235.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $592.36M | $275.80M |
| Total Shareholders Equity | $1.00B | $1.30B |
| Retained Earnings | $596.93M | $802.02M |
| Property, Plant & Equipment | N/A | $122.24M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PFC | OFG |
|---|---|---|
| Operating Cash Flow | $24.69M | $44.63M |
| Capital Expenditures | $-1.65M | $-4.35M |
| Free Cash Flow | $23.78M | $78.72M |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | $0 | $-23.39M |
Short Interest & Institutional Ownership Analysis
| Metric | PFC | OFG |
|---|---|---|
| Shares Short | N/A | 664,670 |
| Short Ratio | N/A | 3.48 |
| Short % of Float | N/A | 0.02% |
| Average Daily Volume (10 Day) | 442,672 | 181,090 |
| Average Daily Volume (90 Day) | 297,817 | 225,703 |
| Shares Outstanding | 35.84M | 45.44M |
| Float Shares | 35.04M | 43.97M |
| % Held by Insiders | 0.02% | 0.01% |
| % Held by Institutions | 0.70% | 0.98% |
Dividend Analysis & Yield Comparison: Premier Financial vs OFG Bancorp
| Metric | PFC | OFG |
|---|---|---|
| Last 12-Month Dividend | N/A | $1.05 |
| Last 12-Month Dividend Yield | N/A | 2.57% |
| 3-Year Avg Annual Dividend | N/A | $0.91 |
| 3-Year Avg Dividend Yield | N/A | 0.71% |
| 3-Year Total Dividends | N/A | $2.73 |
| Ex-Dividend Date | N/A | Mar 31, 2025 |