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

Republic Bancorp Inc.

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Republic Bancorp Inc. wins in 9 metrics, OFG Bancorp wins in 9 metrics, with 0 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

Metric Republic Bancorp Inc. OFG Bancorp Better
P/E Ratio (TTM) 11.33 9.24 OFG Bancorp
Price-to-Book Ratio 1.30 1.39 Republic Bancorp Inc.
Debt-to-Equity Ratio 0.43 0.42 OFG Bancorp
PEG Ratio -1.10 0.56 OFG Bancorp
Profit Margin (TTM) 33.99% 33.64% Republic Bancorp Inc.
Operating Margin (TTM) 53.65% 42.01% Republic Bancorp Inc.
EBITDA Margin (TTM) 53.65% 42.01% Republic Bancorp Inc.
Return on Equity 11.68% 16.04% OFG Bancorp
Return on Assets (TTM) 1.77% 1.80% OFG Bancorp
Free Cash Flow (TTM) $161.11M $199.34M OFG Bancorp
Dividend Yield 3.20% 2.57% Republic Bancorp Inc.
1-Year Return 18.11% 10.74% Republic Bancorp Inc.
Price-to-Sales Ratio (TTM) 3.86 3.05 OFG Bancorp
Enterprise Value $1.32B $1.86B OFG Bancorp
EV/Revenue Ratio 3.54 2.92 OFG Bancorp
Revenue per Share (TTM) $19 $14 Republic Bancorp Inc.
Earnings per Share (Diluted) $6.48 $4.84 Republic Bancorp Inc.
Beta (Stock Volatility) 0.57 N/A N/A
Short % of Float 2.25% 3.73% Republic Bancorp Inc.

Republic Bancorp Inc. vs OFG Bancorp Stock Performance Analysis

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RBCAA
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Republic Bancorp Inc.-1.70%2.07%8.38%17.71%20.45%20.81%
OFG Bancorp-1.84%-0.28%0.97%12.30%13.81%11.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Republic Bancorp Inc.18.11%81.67%73.82%200.93%311.54%311.12%
OFG Bancorp10.74%70.96%88.81%418.91%279.67%255.94%

Performance & Financial Health Analysis: Republic Bancorp Inc. vs OFG Bancorp

MetricRBCAAOFG
Market Information
Market Cap i$1.44B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i70,600264,900
90 Day Avg. Volume i86,943348,273
Last Close$80.96$44.73
52 Week Range$63.97 - $82.37$35.71 - $46.85
% from 52W High-1.71%-4.53%
All-Time High$82.37 (Jun 02, 2026)$47.66 (Nov 25, 2024)
% from All-Time High-1.71%-6.15%
Growth Metrics
Quarterly Revenue Growth-0.11%0.07%
Quarterly Earnings Growth-0.10%0.18%
Financial Health
Profit Margin (TTM) i0.34%0.34%
Operating Margin (TTM) i0.54%0.42%
Return on Equity (TTM) i0.12%0.16%
Debt to Equity (MRQ) i0.430.42
Cash & Liquidity
Book Value per Share (MRQ)$56.41$32.13
Cash per Share (MRQ)$30.54$14.88
Operating Cash Flow (TTM) i$153.43M$62.78M
Levered Free Cash Flow (TTM) i$131.32M$205.10M
Dividends
Last 12-Month Dividend Yield i3.20%2.57%
Last 12-Month Dividend i$2.29$1.05

Valuation & Enterprise Metrics Analysis: Republic Bancorp Inc. vs OFG Bancorp

MetricRBCAA (Apr 26, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.339.24
Forward P/E i11.729.59
PEG Ratio i-1.100.56
Price to Sales (TTM) i3.863.05
Price to Book (MRQ) i1.301.39
Market Capitalization
Market Capitalization i$1.44B$1.99B
Enterprise Value i$1.32B$1.86B
Enterprise Value Metrics
Enterprise to Revenue i3.542.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.57N/A
Book Value per Share (MRQ) i$56.41$32.13

Financial Statements Comparison: Republic Bancorp 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

MetricRBCAA (2025)OFG (2025)
Revenue/Sales i411.12M675.22M
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 i165.71M234.12M
Pre-Tax Income % of Revenue i40.3%34.7%
Income Tax i34.39M29.01M
Income Tax % of Revenue i8.4%4.3%
Net Income (Profit) i131.32M205.10M
Profit Margin i31.9%30.4%

Balance Sheet & Liquidity Metrics

MetricRBCAA (2025)OFG (2025)
Cash & Equivalents i219.97M1.04B
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 i538.37M423.17M
Long-Term Debt % of Revenue i131.0%62.7%
Total Shareholders Equity i1.10B1.39B
Retained Earnings i945.40M904.63M
Retained Earnings % of Revenue i230.0%134.0%
Property, Plant & Equipment i31.33M21.26M

Cash Flow Statement Comparison

MetricRBCAA (2025)OFG (2025)
Operating Cash Flow i153.43M62.78M
Operating Cash Flow % of Revenue i37.3%9.3%
Capital Expenditures i-7.10M-16.96M
Free Cash Flow i161.11M199.34M
FCF Margin i39.2%29.5%
Debt Repayment i-528.00MN/A
Common Stock Repurchase i-72,000-91.60M

Short Interest & Institutional Ownership Analysis

MetricRBCAAOFG
Shares Short i189,8161.09M
Short Ratio i2.022.60
Short % of Float i2.25%3.73%
Shares Outstanding i17.47M43.26M
Float Shares i8.91M42.30M
% Held by Insiders i51.57%1.13%
% Held by Institutions i29.30%99.69%
% Held by Public i19.13%-0.82%

Dividend Analysis & Yield Comparison: Republic Bancorp Inc. vs OFG Bancorp

MetricRBCAAOFG
Last 12-Month Dividend i$2.29$1.05
Last 12-Month Dividend Yield i3.20%2.57%
3-Year Avg Annual Dividend i$1.80$0.91
3-Year Avg Dividend Yield i0.72%0.71%
3-Year Total Dividends i$5.41$2.73
Ex-Dividend DateMar 20, 2026Mar 31, 2025