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

Republic Bancorp

NASDAQ
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OFG Bancorp

NYSE
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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) 11.18 9.95 OFG Bancorp
Price-to-Book Ratio 1.31 1.42 Republic Bancorp
Debt-to-Equity Ratio 0.46 0.38 OFG Bancorp
PEG Ratio 0.47 1.81 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 7.74% -2.54% Republic Bancorp
Price-to-Sales Ratio (TTM) 3.77 3.10 OFG Bancorp
Enterprise Value $1.41B $1.53B OFG Bancorp
EV/Revenue Ratio 3.81 2.48 OFG Bancorp
Revenue per Share (TTM) $19 $14 Republic Bancorp
Earnings per Share (Diluted) $6.37 $4.25 Republic Bancorp
Beta (Stock Volatility) 0.55 0.81 Republic Bancorp
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Republic Bancorp vs OFG Bancorp Stock Performance Analysis

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Republic Bancorp
OFG Bancorp
Republic Bancorp Stock Overview | OFG Bancorp Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Republic Bancorp-2.80%-0.21%-6.92%-6.39%12.35%2.48%
OFG Bancorp-3.67%1.27%-2.00%-3.06%16.36%3.44%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Republic Bancorp7.74%73.88%115.29%177.47%235.71%279.50%
OFG Bancorp-2.54%59.55%205.83%383.48%218.03%282.49%

News Based Sentiment: Republic Bancorp vs OFG Bancorp

Republic Bancorp

News based Sentiment: MIXED

The month featured a notable contrast between significant insider buying activity across multiple executive levels and a declining stock price accompanied by negative technical signals. This mixed picture creates uncertainty and warrants close monitoring of the upcoming earnings announcement to determine the company's future direction.

View Republic Bancorp News Sentiment Analysis

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.

View OFG Bancorp News Sentiment Analysis

Performance & Financial Health Analysis: Republic Bancorp vs OFG Bancorp

MetricRBCAAOFG
Market Information
Market Cap i$1.39B$1.94B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i20,729181,090
90 Day Avg. Volume i22,163225,703
Last Close$68.72$41.45
52 Week Range$56.79 - $80.68$33.15 - $47.66
% from 52W High-14.82%-13.03%
All-Time High$80.68 (Nov 25, 2024)$47.66 (Nov 25, 2024)
% from All-Time High-14.82%-13.03%
Growth Metrics
Quarterly Revenue Growth0.13%-0.02%
Quarterly Earnings Growth0.25%0.01%
Financial Health
Profit Margin (TTM) i0.34%0.31%
Operating Margin (TTM) i0.45%0.43%
Return on Equity (TTM) i0.12%0.15%
Debt to Equity (MRQ) i0.460.38
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 i2.87%2.57%
Last 12-Month Dividend i$2.17$1.05

Valuation & Enterprise Metrics Analysis: Republic Bancorp vs OFG Bancorp

MetricRBCAAOFG
Price Ratios
P/E Ratio (TTM) i11.189.95
Forward P/E i12.7410.70
PEG Ratio i0.471.81
Price to Sales (TTM) i3.773.10
Price to Book (MRQ) i1.311.42
Market Capitalization
Market Capitalization i$1.39B$1.94B
Enterprise Value i$1.41B$1.53B
Enterprise Value Metrics
Enterprise to Revenue i3.812.48
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.550.81
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)RBCAAOFG
Revenue/Sales i$134.21M$166.68M
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/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)RBCAAOFG
Cash & Equivalents i$793.02M$235.00M
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/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)RBCAAOFG
Operating Cash Flow i$77.72M$44.63M
Capital Expenditures i$-1.63M$-4.35M
Free Cash Flow i$91.56M$78.72M
Debt Repayment i$-428.00MN/A
Common Stock Repurchase iN/A$-23.39M

Short Interest & Institutional Ownership Analysis

MetricRBCAAOFG
Shares Short i92,634664,670
Short Ratio i4.483.48
Short % of Float i0.01%0.02%
Average Daily Volume (10 Day) i20,729181,090
Average Daily Volume (90 Day) i22,163225,703
Shares Outstanding i19.45M45.44M
Float Shares i9.61M43.97M
% Held by Insiders i0.52%0.01%
% Held by Institutions i0.29%0.98%

Dividend Analysis & Yield Comparison: Republic Bancorp vs OFG Bancorp

MetricRBCAAOFG
Last 12-Month Dividend i$2.17$1.05
Last 12-Month Dividend Yield i2.87%2.57%
3-Year Avg Annual Dividend i$1.72$0.91
3-Year Avg Dividend Yield i0.74%0.71%
3-Year Total Dividends i$5.15$2.73
Ex-Dividend DateSep 19, 2025Mar 31, 2025