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

1st Source Corporation

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: 1st Source Corporation wins in 12 metrics, OFG Bancorp wins in 6 metrics, with 0 ties. 1st Source Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric 1st Source Corporation OFG Bancorp Better
P/E Ratio (TTM) 11.33 9.24 OFG Bancorp
Price-to-Book Ratio 1.41 1.39 OFG Bancorp
Debt-to-Equity Ratio 0.29 0.42 1st Source Corporation
PEG Ratio 0.36 0.56 1st Source Corporation
Profit Margin (TTM) 37.70% 33.64% 1st Source Corporation
Operating Margin (TTM) 49.87% 42.01% 1st Source Corporation
EBITDA Margin (TTM) 49.87% 42.01% 1st Source Corporation
Return on Equity 12.65% 16.04% OFG Bancorp
Return on Assets (TTM) 1.78% 1.80% OFG Bancorp
Free Cash Flow (TTM) $213.04M $199.34M 1st Source Corporation
Dividend Yield 2.90% 2.57% 1st Source Corporation
1-Year Return 31.61% 17.22% 1st Source Corporation
Price-to-Sales Ratio (TTM) 4.17 3.05 OFG Bancorp
Enterprise Value $2.39B $1.86B 1st Source Corporation
EV/Revenue Ratio 5.61 2.92 OFG Bancorp
Revenue per Share (TTM) $17 $14 1st Source Corporation
Earnings per Share (Diluted) $6.52 $4.84 1st Source Corporation
Short % of Float 2.61% 3.73% 1st Source Corporation

1st Source Corporation vs OFG Bancorp Stock Performance Analysis

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SRCE
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
1st Source Corporation-1.43%1.91%8.65%14.04%16.81%23.92%
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
1st Source Corporation31.61%73.49%71.63%148.80%332.38%244.54%
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%

Performance & Financial Health Analysis: 1st Source Corporation vs OFG Bancorp

MetricSRCEOFG
Market Information
Market Cap i$1.76B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i149,384264,900
90 Day Avg. Volume i165,135348,273
Last Close$77.40$47.62
52 Week Range$56.89 - $79.08$35.71 - $48.56
% from 52W High-2.12%-1.93%
All-Time High$79.08 (Jun 15, 2026)$48.56 (Jun 15, 2026)
% from All-Time High-2.12%-1.94%
Growth Metrics
Quarterly Revenue Growth0.05%0.07%
Quarterly Earnings Growth0.07%0.18%
Financial Health
Profit Margin (TTM) i0.38%0.34%
Operating Margin (TTM) i0.50%0.42%
Return on Equity (TTM) i0.13%0.16%
Debt to Equity (MRQ) i0.290.42
Cash & Liquidity
Book Value per Share (MRQ)$52.32$32.13
Cash per Share (MRQ)$4.21$14.88
Operating Cash Flow (TTM) i$206.70M$62.78M
Levered Free Cash Flow (TTM) i$156.86M$205.10M
Dividends
Last 12-Month Dividend Yield i2.90%2.57%
Last 12-Month Dividend i$1.92$1.05

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

MetricSRCE (Apr 26, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.339.24
Forward P/E i10.809.59
PEG Ratio i0.360.56
Price to Sales (TTM) i4.173.05
Price to Book (MRQ) i1.411.39
Market Capitalization
Market Capitalization i$1.76B$1.99B
Enterprise Value i$2.39B$1.86B
Enterprise Value Metrics
Enterprise to Revenue i5.612.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta iN/AN/A
Book Value per Share (MRQ) i$52.32$32.13

Financial Statements Comparison: 1st Source Corporation 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

MetricSRCE (2025)OFG (2025)
Revenue/Sales i433.78M675.22M
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 i204.38M234.12M
Pre-Tax Income % of Revenue i47.1%34.7%
Income Tax i46.12M29.01M
Income Tax % of Revenue i10.6%4.3%
Net Income (Profit) i158.26M205.10M
Profit Margin i36.5%30.4%

Balance Sheet & Liquidity Metrics

MetricSRCE (2025)OFG (2025)
Cash & Equivalents i69.25M1.04B
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 i74.31M423.17M
Long-Term Debt % of Revenue i17.1%62.7%
Total Shareholders Equity i1.27B1.39B
Retained Earnings i1.02B904.63M
Retained Earnings % of Revenue i234.0%134.0%
Property, Plant & Equipment i13.46M21.26M

Cash Flow Statement Comparison

MetricSRCE (2025)OFG (2025)
Operating Cash Flow i206.70M62.78M
Operating Cash Flow % of Revenue i47.7%9.3%
Capital Expenditures i-7.72M-16.96M
Free Cash Flow i213.04M199.34M
FCF Margin i49.1%29.5%
Debt Repayment i-2.35MN/A
Common Stock Repurchase i-13.87M-91.60M

Short Interest & Institutional Ownership Analysis

MetricSRCEOFG
Shares Short i387,6991.09M
Short Ratio i2.502.60
Short % of Float i2.61%3.73%
Shares Outstanding i24.37M43.26M
Float Shares i20.70M42.30M
% Held by Insiders i26.67%1.13%
% Held by Institutions i75.54%99.69%
% Held by Public i-2.21%-0.82%

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

MetricSRCEOFG
Last 12-Month Dividend i$1.92$1.05
Last 12-Month Dividend Yield i2.90%2.57%
3-Year Avg Annual Dividend i$1.54$0.91
3-Year Avg Dividend Yield i0.64%0.71%
3-Year Total Dividends i$4.62$2.73
Ex-Dividend DateFeb 03, 2026Mar 31, 2025