S&T Bancorp [STBA] vs OFG Bancorp [OFG] Detailed Stock Comparison

S&T Bancorp, Inc.

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: S&T Bancorp, Inc. wins in 7 metrics, OFG Bancorp wins in 11 metrics, with 0 ties. OFG Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric S&T Bancorp, Inc. OFG Bancorp Better
P/E Ratio (TTM) 12.45 9.24 OFG Bancorp
Price-to-Book Ratio 1.11 1.39 S&T Bancorp, Inc.
Debt-to-Equity Ratio 0.24 0.42 S&T Bancorp, Inc.
PEG Ratio 2.45 0.56 OFG Bancorp
Profit Margin (TTM) 34.01% 33.64% S&T Bancorp, Inc.
Operating Margin (TTM) 43.66% 42.01% S&T Bancorp, Inc.
EBITDA Margin (TTM) 43.66% 42.01% S&T Bancorp, Inc.
Return on Equity 9.44% 16.04% OFG Bancorp
Return on Assets (TTM) 1.38% 1.80% OFG Bancorp
Free Cash Flow (TTM) $128.85M $199.34M OFG Bancorp
Dividend Yield 4.08% 2.57% S&T Bancorp, Inc.
1-Year Return 23.00% 10.74% S&T Bancorp, Inc.
Price-to-Sales Ratio (TTM) 4.03 3.05 OFG Bancorp
Enterprise Value $1.77B $1.86B OFG Bancorp
EV/Revenue Ratio 4.49 2.92 OFG Bancorp
Revenue per Share (TTM) $10 $14 OFG Bancorp
Earnings per Share (Diluted) $3.49 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.85 N/A N/A
Short % of Float 4.16% 3.73% OFG Bancorp

S&T Bancorp, Inc. vs OFG Bancorp Stock Performance Analysis

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STBA
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
S&T Bancorp, Inc.-2.80%0.00%3.45%5.71%13.75%15.55%
OFG Bancorp-1.84%-0.28%0.97%12.30%13.81%11.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
S&T Bancorp, Inc.23.00%53.68%33.01%72.36%153.46%28.68%
OFG Bancorp10.74%70.96%88.81%418.91%279.67%255.94%

Performance & Financial Health Analysis: S&T Bancorp, Inc. vs OFG Bancorp

MetricSTBAOFG
Market Information
Market Cap i$1.59B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i194,138264,900
90 Day Avg. Volume i252,636348,273
Last Close$44.07$44.73
52 Week Range$34.01 - $45.63$35.71 - $46.85
% from 52W High-3.42%-4.53%
All-Time High$47.77 (Aug 27, 2018)$47.66 (Nov 25, 2024)
% from All-Time High-7.75%-6.15%
Growth Metrics
Quarterly Revenue Growth0.03%0.07%
Quarterly Earnings Growth0.03%0.18%
Financial Health
Profit Margin (TTM) i0.34%0.34%
Operating Margin (TTM) i0.44%0.42%
Return on Equity (TTM) i0.09%0.16%
Debt to Equity (MRQ) i0.240.42
Cash & Liquidity
Book Value per Share (MRQ)$39.14$32.13
Cash per Share (MRQ)$5.40$14.88
Operating Cash Flow (TTM) i$133.62M$62.78M
Levered Free Cash Flow (TTM) i$134.23M$205.10M
Dividends
Last 12-Month Dividend Yield i4.08%2.57%
Last 12-Month Dividend i$1.74$1.05

Valuation & Enterprise Metrics Analysis: S&T Bancorp, Inc. vs OFG Bancorp

MetricSTBA (Apr 22, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.459.24
Forward P/E i11.429.59
PEG Ratio i2.450.56
Price to Sales (TTM) i4.033.05
Price to Book (MRQ) i1.111.39
Market Capitalization
Market Capitalization i$1.59B$1.99B
Enterprise Value i$1.77B$1.86B
Enterprise Value Metrics
Enterprise to Revenue i4.492.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.85N/A
Book Value per Share (MRQ) i$39.14$32.13

Financial Statements Comparison: S&T 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

MetricSTBA (2025)OFG (2025)
Revenue/Sales i402.12M675.22M
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 i167.94M234.12M
Pre-Tax Income % of Revenue i41.8%34.7%
Income Tax i33.71M29.01M
Income Tax % of Revenue i8.4%4.3%
Net Income (Profit) i134.23M205.10M
Profit Margin i33.4%30.4%

Balance Sheet & Liquidity Metrics

MetricSTBA (2025)OFG (2025)
Cash & Equivalents i163.44M1.04B
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 i100.29M423.17M
Long-Term Debt % of Revenue i24.9%62.7%
Total Shareholders Equity i1.46B1.39B
Retained Earnings i1.12B904.63M
Retained Earnings % of Revenue i278.6%134.0%
Property, Plant & Equipment iN/A21.26M

Cash Flow Statement Comparison

MetricSTBA (2025)OFG (2025)
Operating Cash Flow i127.38M62.78M
Operating Cash Flow % of Revenue i31.7%9.3%
Capital Expenditures i-4.77M-16.96M
Free Cash Flow i128.85M199.34M
FCF Margin i32.0%29.5%
Debt Repayment i-81,000N/A
Common Stock Repurchase i-37.95M-91.60M

Short Interest & Institutional Ownership Analysis

MetricSTBAOFG
Shares Short i1.27M1.09M
Short Ratio i4.392.60
Short % of Float i4.16%3.73%
Shares Outstanding i37.40M43.26M
Float Shares i36.07M42.30M
% Held by Insiders i1.54%1.13%
% Held by Institutions i74.78%99.69%
% Held by Public i23.68%-0.82%

Dividend Analysis & Yield Comparison: S&T Bancorp, Inc. vs OFG Bancorp

MetricSTBAOFG
Last 12-Month Dividend i$1.74$1.05
Last 12-Month Dividend Yield i4.08%2.57%
3-Year Avg Annual Dividend i$1.45$0.91
3-Year Avg Dividend Yield i0.96%0.71%
3-Year Total Dividends i$4.36$2.73
Ex-Dividend DateFeb 12, 2026Mar 31, 2025