1st Source [SRCE] vs OFG Bancorp [OFG] Detailed Stock Comparison

1st Source

NASDAQ
Loading...

OFG Bancorp

NYSE
Loading...

TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: 1st Source wins in 11 metrics, OFG Bancorp wins in 7 metrics, with 0 ties. 1st Source appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric 1st Source OFG Bancorp Better
P/E Ratio (TTM) 10.63 9.95 OFG Bancorp
Price-to-Book Ratio 1.24 1.42 1st Source
Debt-to-Equity Ratio 0.18 0.38 1st Source
PEG Ratio 7.92 1.81 OFG Bancorp
Profit Margin (TTM) 36.04% 31.43% 1st Source
Operating Margin (TTM) 49.29% 43.08% 1st Source
EBITDA Margin (TTM) 49.29% 43.08% 1st Source
Return on Equity 11.90% 15.20% OFG Bancorp
Return on Assets (TTM) 1.57% 1.66% OFG Bancorp
Free Cash Flow (TTM) $181.49M $210.79M OFG Bancorp
Dividend Yield 3.02% 2.57% 1st Source
1-Year Return 0.03% -2.54% 1st Source
Price-to-Sales Ratio (TTM) 3.81 3.10 OFG Bancorp
Enterprise Value $1.63B $1.53B 1st Source
EV/Revenue Ratio 4.15 2.48 OFG Bancorp
Revenue per Share (TTM) $16 $14 1st Source
Earnings per Share (Diluted) $5.70 $4.25 1st Source
Beta (Stock Volatility) 0.66 0.81 1st Source
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

1st Source vs OFG Bancorp Stock Performance Analysis

Loading Price Chart...

1st Source
OFG Bancorp
1st Source Stock Overview | OFG Bancorp Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
1st Source-2.95%-0.38%-5.89%-7.54%6.70%4.00%
OFG Bancorp-3.67%1.27%-2.00%-3.06%16.36%3.44%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
1st Source0.03%20.74%81.40%94.94%254.66%236.02%
OFG Bancorp-2.54%59.55%205.83%383.48%218.03%282.49%

News Based Sentiment: 1st Source vs OFG Bancorp

1st Source

News based Sentiment: NEUTRAL

October saw analyst downgrades and institutional selling, but also a planned leadership transition and an upcoming earnings report. These events balance each other out, suggesting a period of stability and cautious observation for investors rather than a major shift in the company's outlook.

View 1st Source 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: 1st Source vs OFG Bancorp

MetricSRCEOFG
Market Information
Market Cap i$1.49B$1.94B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i71,000181,090
90 Day Avg. Volume i74,550225,703
Last Close$58.31$41.45
52 Week Range$52.14 - $68.13$33.15 - $47.66
% from 52W High-14.41%-13.03%
All-Time High$68.13 (Nov 25, 2024)$47.66 (Nov 25, 2024)
% from All-Time High-14.41%-13.03%
Growth Metrics
Quarterly Revenue Growth0.03%-0.02%
Quarterly Earnings Growth0.01%0.01%
Financial Health
Profit Margin (TTM) i0.36%0.31%
Operating Margin (TTM) i0.49%0.43%
Return on Equity (TTM) i0.12%0.15%
Debt to Equity (MRQ) i0.180.38
Cash & Liquidity
Book Value per Share (MRQ)$48.86$29.83
Cash per Share (MRQ)$6.08$19.13
Operating Cash Flow (TTM) i$218.55M$215.43M
Levered Free Cash Flow (TTM) i$131.40M$198.17M
Dividends
Last 12-Month Dividend Yield i3.02%2.57%
Last 12-Month Dividend i$1.84$1.05

Valuation & Enterprise Metrics Analysis: 1st Source vs OFG Bancorp

MetricSRCEOFG
Price Ratios
P/E Ratio (TTM) i10.639.95
Forward P/E i11.5210.70
PEG Ratio i7.921.81
Price to Sales (TTM) i3.813.10
Price to Book (MRQ) i1.241.42
Market Capitalization
Market Capitalization i$1.49B$1.94B
Enterprise Value i$1.63B$1.53B
Enterprise Value Metrics
Enterprise to Revenue i4.152.48
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.660.81
Book Value per Share (MRQ) i$48.86$29.83

Financial Statements Comparison: 1st Source vs OFG Bancorp

Financial Metrics

Loading Financial Charts...

Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)SRCEOFG
Revenue/Sales i$108.25M$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$48.13M$59.45M
Income Tax i$10.80M$13.88M
Net Income (Profit) i$37.33M$45.57M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)SRCEOFG
Cash & Equivalents i$87.82M$235.00M
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$99.97M$275.80M
Total Shareholders Equity i$1.22B$1.30B
Retained Earnings i$921.72M$802.02M
Property, Plant & Equipment i$85.04M$122.24M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)SRCEOFG
Operating Cash Flow i$69.21M$44.63M
Capital Expenditures i$-1.61M$-4.35M
Free Cash Flow i$69.28M$78.72M
Debt Repayment i$-1.73MN/A
Common Stock Repurchase i$-455,000$-23.39M

Short Interest & Institutional Ownership Analysis

MetricSRCEOFG
Shares Short i177,111664,670
Short Ratio i2.713.48
Short % of Float i0.01%0.02%
Average Daily Volume (10 Day) i71,000181,090
Average Daily Volume (90 Day) i74,550225,703
Shares Outstanding i24.52M45.44M
Float Shares i17.36M43.97M
% Held by Insiders i0.26%0.01%
% Held by Institutions i0.75%0.98%

Dividend Analysis & Yield Comparison: 1st Source vs OFG Bancorp

MetricSRCEOFG
Last 12-Month Dividend i$1.84$1.05
Last 12-Month Dividend Yield i3.02%2.57%
3-Year Avg Annual Dividend i$1.49$0.91
3-Year Avg Dividend Yield i0.64%0.71%
3-Year Total Dividends i$4.46$2.73
Ex-Dividend DateAug 05, 2025Mar 31, 2025