S&T Bancorp [STBA] vs OFG Bancorp [OFG] Detailed Stock Comparison
S&T Bancorp
NASDAQ
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OFG Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: S&T Bancorp wins in 5 metrics, OFG Bancorp wins in 13 metrics, with 0 ties. OFG Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | S&T Bancorp | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.99 | 10.04 | OFG Bancorp |
| Price-to-Book Ratio | 0.99 | 1.43 | S&T Bancorp |
| Debt-to-Equity Ratio | 0.20 | 0.38 | S&T Bancorp |
| PEG Ratio | -1.48 | 1.82 | S&T Bancorp |
| Profit Margin (TTM) | 33.71% | 31.43% | S&T Bancorp |
| Operating Margin (TTM) | 41.84% | 43.08% | OFG Bancorp |
| EBITDA Margin (TTM) | 41.84% | 43.08% | OFG Bancorp |
| Return on Equity | 9.47% | 15.20% | OFG Bancorp |
| Return on Assets (TTM) | 1.35% | 1.66% | OFG Bancorp |
| Free Cash Flow (TTM) | $170.37M | $210.79M | OFG Bancorp |
| Dividend Yield | 4.73% | 2.57% | S&T Bancorp |
| 1-Year Return | -8.63% | -4.24% | OFG Bancorp |
| Price-to-Sales Ratio (TTM) | 3.69 | 3.07 | OFG Bancorp |
| Enterprise Value | $1.49B | $1.55B | OFG Bancorp |
| EV/Revenue Ratio | 3.82 | 2.50 | OFG Bancorp |
| Revenue per Share (TTM) | $10 | $14 | OFG Bancorp |
| Earnings per Share (Diluted) | $3.40 | $4.25 | OFG Bancorp |
| Beta (Stock Volatility) | 0.92 | 0.81 | OFG Bancorp |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
S&T Bancorp vs OFG Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| S&T Bancorp | -1.17% | -0.85% | -5.36% | -5.55% | 11.12% | 0.22% |
| OFG Bancorp | -2.06% | -2.78% | -4.67% | -5.05% | 21.18% | 1.63% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| S&T Bancorp | -8.63% | 17.20% | 87.10% | 14.15% | 100.05% | 3.70% |
| OFG Bancorp | -4.24% | 56.77% | 200.50% | 375.06% | 212.49% | 275.82% |
News Based Sentiment: S&T Bancorp vs OFG Bancorp
S&T Bancorp
News based Sentiment: POSITIVE
The month's events were largely positive, with an analyst upgrade and a planned leadership transition indicating stability and potential for growth. While not transformative, these developments suggest a strengthening investment case for S&T Bancorp.
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.
Performance & Financial Health Analysis: S&T Bancorp vs OFG Bancorp
| Metric | STBA | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $1.43B | $1.98B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 110,340 | 196,237 |
| 90 Day Avg. Volume | 129,540 | 223,516 |
| Last Close | $37.27 | $42.28 |
| 52 Week Range | $30.84 - $45.46 | $33.15 - $47.66 |
| % from 52W High | -18.02% | -11.29% |
| All-Time High | $47.77 (Aug 27, 2018) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -21.98% | -11.29% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.02% | -0.02% |
| Quarterly Earnings Growth | -0.07% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.34% | 0.31% |
| Operating Margin (TTM) | 0.42% | 0.43% |
| Return on Equity (TTM) | 0.09% | 0.15% |
| Debt to Equity (MRQ) | 0.20 | 0.38 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $37.70 | $29.83 |
| Cash per Share (MRQ) | $6.34 | $19.13 |
| Operating Cash Flow (TTM) | $139.22M | $215.43M |
| Levered Free Cash Flow (TTM) | $131.25M | $198.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.73% | 2.57% |
| Last 12-Month Dividend | $1.69 | $1.05 |
Valuation & Enterprise Metrics Analysis: S&T Bancorp vs OFG Bancorp
| Metric | STBA | OFG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.99 | 10.04 |
| Forward P/E | 12.38 | 10.80 |
| PEG Ratio | -1.48 | 1.82 |
| Price to Sales (TTM) | 3.69 | 3.07 |
| Price to Book (MRQ) | 0.99 | 1.43 |
| Market Capitalization | ||
| Market Capitalization | $1.43B | $1.98B |
| Enterprise Value | $1.49B | $1.55B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.82 | 2.50 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.92 | 0.81 |
| Book Value per Share (MRQ) | $37.70 | $29.83 |
Financial Statements Comparison: S&T Bancorp vs OFG Bancorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | STBA | OFG |
|---|---|---|
| Revenue/Sales | $100.07M | $166.68M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $39.98M | $59.45M |
| Income Tax | $8.08M | $13.88M |
| Net Income (Profit) | $31.90M | $45.57M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | STBA | OFG |
|---|---|---|
| Cash & Equivalents | $211.84M | $235.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $100.31M | $275.80M |
| Total Shareholders Equity | $1.42B | $1.30B |
| Retained Earnings | $1.06B | $802.02M |
| Property, Plant & Equipment | N/A | $122.24M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | STBA | OFG |
|---|---|---|
| Operating Cash Flow | N/A | $44.63M |
| Capital Expenditures | $-1.73M | $-4.35M |
| Free Cash Flow | $26.97M | $78.72M |
| Debt Repayment | $-20,000 | N/A |
| Common Stock Repurchase | $-41,000 | $-23.39M |
Short Interest & Institutional Ownership Analysis
| Metric | STBA | OFG |
|---|---|---|
| Shares Short | 671,925 | 664,670 |
| Short Ratio | 5.67 | 3.48 |
| Short % of Float | 0.02% | 0.02% |
| Average Daily Volume (10 Day) | 110,340 | 196,237 |
| Average Daily Volume (90 Day) | 129,540 | 223,516 |
| Shares Outstanding | 38.26M | 45.44M |
| Float Shares | 37.84M | 43.97M |
| % Held by Insiders | 0.02% | 0.01% |
| % Held by Institutions | 0.73% | 0.98% |
Dividend Analysis & Yield Comparison: S&T Bancorp vs OFG Bancorp
| Metric | STBA | OFG |
|---|---|---|
| Last 12-Month Dividend | $1.69 | $1.05 |
| Last 12-Month Dividend Yield | 4.73% | 2.57% |
| 3-Year Avg Annual Dividend | $1.42 | $0.91 |
| 3-Year Avg Dividend Yield | 0.97% | 0.71% |
| 3-Year Total Dividends | $4.25 | $2.73 |
| Ex-Dividend Date | Aug 14, 2025 | Mar 31, 2025 |