Republic Bancorp [RBCAA] vs OFG Bancorp [OFG] Detailed Stock Comparison

Republic Bancorp

NASDAQ

OFG Bancorp

NYSE

TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Republic Bancorp wins in 11 metrics, OFG Bancorp wins in 7 metrics, with 0 ties. Republic Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric	Republic Bancorp	OFG Bancorp	Better
P/E Ratio (TTM)	11.97	10.06	OFG Bancorp
Price-to-Book Ratio	1.40	1.43	Republic Bancorp
Debt-to-Equity Ratio	0.46	0.38	OFG Bancorp
PEG Ratio	0.51	1.83	Republic Bancorp
Profit Margin (TTM)	33.67%	31.43%	Republic Bancorp
Operating Margin (TTM)	44.69%	43.08%	Republic Bancorp
EBITDA Margin (TTM)	44.69%	43.08%	Republic Bancorp
Return on Equity	12.34%	15.20%	OFG Bancorp
Return on Assets (TTM)	1.83%	1.66%	Republic Bancorp
Free Cash Flow (TTM)	$143.19M	$210.79M	OFG Bancorp
Dividend Yield	2.87%	2.57%	Republic Bancorp
1-Year Return	18.09%	-0.31%	Republic Bancorp
Price-to-Sales Ratio (TTM)	4.03	3.07	OFG Bancorp
Enterprise Value	$1.48B	$1.55B	OFG Bancorp
EV/Revenue Ratio	4.02	2.51	OFG Bancorp
Revenue per Share (TTM)	$19	$14	Republic Bancorp
Earnings per Share (Diluted)	$6.37	$4.25	Republic Bancorp
Beta (Stock Volatility)	0.57	0.78	Republic Bancorp

Performance

Key Stats

Valuation

Financials

Short Interest

Dividends

Republic Bancorp vs OFG Bancorp Stock Performance Analysis

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Performance Comparison

Short-term Returns

Stock	1D	1W	1M	3M	6M	YTD
Republic Bancorp	-0.38%	6.56%	2.92%	8.25%	16.95%	10.49%
OFG Bancorp	-0.65%	5.14%	0.70%	8.42%	7.69%	7.72%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
Republic Bancorp	18.09%	73.92%	146.22%	209.38%	288.93%	280.39%
OFG Bancorp	-0.31%	59.58%	238.19%	518.07%	228.28%	243.90%

Performance Comparison

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Republic Bancorp (RBCAA): View Full Stock Overview

OFG Bancorp (OFG): View Full Stock Overview

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Key Performance Metrics Available:

Daily, weekly, monthly, and yearly returns
52-week high and low prices
Market capitalization and valuation ratios
Financial health and profitability metrics
Dividend history and yield information

Performance & Financial Health Analysis: Republic Bancorp vs OFG Bancorp

Metric	RBCAA	OFG
Market Information
Market Cap i	$1.49B	$1.90B
Market Cap Category	Small cap	Small cap
10 Day Avg. Volume i	26,390	216,140
90 Day Avg. Volume i	31,140	231,740
Last Close	$75.94	$44.52
52 Week Range	$56.79 - $80.68	$33.15 - $47.66
% from 52W High	-5.88%	-6.59%
All-Time High	$80.68 (Nov 25, 2024)	$47.66 (Nov 25, 2024)
% from All-Time High	-5.88%	-6.59%
Growth Metrics
Quarterly Revenue Growth	0.13%	-0.02%
Quarterly Earnings Growth	0.25%	0.01%
Financial Health
Profit Margin (TTM) i	0.34%	0.31%
Operating Margin (TTM) i	0.45%	0.43%
Return on Equity (TTM) i	0.12%	0.15%
Debt to Equity (MRQ) i	0.46	0.38
Cash & Liquidity
Book Value per Share (MRQ)	$54.29	$29.83
Cash per Share (MRQ)	$25.21	$19.13
Operating Cash Flow (TTM) i	$175.43M	$215.43M
Levered Free Cash Flow (TTM) i	$101.37M	$198.17M
Dividends
Last 12-Month Dividend Yield i	2.87%	2.57%
Last 12-Month Dividend i	$2.17	$1.05

Valuation & Enterprise Metrics Analysis: Republic Bancorp vs OFG Bancorp

Metric	RBCAA	OFG
Price Ratios
P/E Ratio (TTM) i	11.97	10.06
Forward P/E i	13.64	10.82
PEG Ratio i	0.51	1.83
Price to Sales (TTM) i	4.03	3.07
Price to Book (MRQ) i	1.40	1.43
Market Capitalization
Market Capitalization i	$1.49B	$1.90B
Enterprise Value i	$1.48B	$1.55B
Enterprise Value Metrics
Enterprise to Revenue i	4.02	2.51
Enterprise to EBITDA i	N/A	N/A
Risk & Other Metrics
Beta i	0.57	0.78
Book Value per Share (MRQ) i	$54.29	$29.83

Financial Statements Comparison: Republic Bancorp vs OFG Bancorp

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)	RBCAA	OFG
Revenue/Sales i	$134.21M	$166.68M
Cost of Goods Sold i	N/A	N/A
Gross Profit i	N/A	N/A
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	N/A
EBITDA i	N/A	N/A
Pre-Tax Income i	$59.96M	$59.45M
Income Tax i	$12.69M	$13.88M
Net Income (Profit) i	$47.27M	$45.57M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)	RBCAA	OFG
Cash & Equivalents i	$793.02M	$235.00M
Total Current Assets i	N/A	N/A
Total Current Liabilities i	N/A	N/A
Long-Term Debt i	$406.83M	$275.80M
Total Shareholders Equity i	$1.03B	$1.30B
Retained Earnings i	$889.69M	$802.02M
Property, Plant & Equipment i	$67.85M	$122.24M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)	RBCAA	OFG
Operating Cash Flow i	$77.72M	$44.63M
Capital Expenditures i	$-1.63M	$-4.35M
Free Cash Flow i	$91.56M	$78.72M
Debt Repayment i	$-428.00M	N/A
Common Stock Repurchase i	N/A	$-23.39M

Short Interest & Institutional Ownership Analysis

Metric	RBCAA	OFG
Shares Short i	77,113	541,880
Short Ratio i	1.59	2.36
Short % of Float i	0.01%	0.02%
Average Daily Volume (10 Day) i	26,390	216,140
Average Daily Volume (90 Day) i	31,140	231,740
Shares Outstanding i	19.45M	45.44M
Float Shares i	9.61M	43.97M
% Held by Insiders i	0.52%	0.02%
% Held by Institutions i	0.29%	0.99%

Dividend Analysis & Yield Comparison: Republic Bancorp vs OFG Bancorp

Metric	RBCAA	OFG
Last 12-Month Dividend i	$2.17	$1.05
Last 12-Month Dividend Yield i	2.87%	2.57%
3-Year Avg Annual Dividend i	$1.72	$0.91
3-Year Avg Dividend Yield i	0.74%	0.71%
3-Year Total Dividends i	$5.15	$2.73
Ex-Dividend Date	Sep 19, 2025	Mar 31, 2025

Republic Bancorp [RBCAA] vs OFG Bancorp [OFG] Detailed Stock Comparison