Trico Bancshares [TCBK] vs OFG Bancorp [OFG] Detailed Stock Comparison
Trico Bancshares
NASDAQ
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OFG Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Trico Bancshares wins in 6 metrics, OFG Bancorp wins in 12 metrics, with 0 ties. OFG Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Trico Bancshares | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 12.99 | 10.04 | OFG Bancorp |
| Price-to-Book Ratio | 1.13 | 1.43 | Trico Bancshares |
| Debt-to-Equity Ratio | 0.11 | 0.38 | Trico Bancshares |
| PEG Ratio | -2.86 | 1.82 | Trico Bancshares |
| Profit Margin (TTM) | 28.62% | 31.43% | OFG Bancorp |
| Operating Margin (TTM) | 38.22% | 43.08% | OFG Bancorp |
| EBITDA Margin (TTM) | 38.22% | 43.08% | OFG Bancorp |
| Return on Equity | 9.17% | 15.20% | OFG Bancorp |
| Return on Assets (TTM) | 1.14% | 1.66% | OFG Bancorp |
| Free Cash Flow (TTM) | $105.15M | $210.79M | OFG Bancorp |
| Dividend Yield | 3.72% | 2.57% | Trico Bancshares |
| 1-Year Return | 2.04% | -2.22% | Trico Bancshares |
| Price-to-Sales Ratio (TTM) | 3.66 | 3.07 | OFG Bancorp |
| Enterprise Value | $1.45B | $1.55B | OFG Bancorp |
| EV/Revenue Ratio | 3.70 | 2.50 | OFG Bancorp |
| Revenue per Share (TTM) | $12 | $14 | OFG Bancorp |
| Earnings per Share (Diluted) | $3.39 | $4.25 | OFG Bancorp |
| Beta (Stock Volatility) | 0.64 | 0.81 | Trico Bancshares |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Trico Bancshares vs OFG Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Trico Bancshares | -1.62% | -0.18% | -2.24% | 4.96% | 23.08% | 2.99% |
| OFG Bancorp | -1.99% | -1.73% | -2.66% | -3.05% | 23.73% | 3.77% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Trico Bancshares | 2.04% | -11.68% | 56.18% | 75.26% | 176.62% | 106.98% |
| OFG Bancorp | -2.22% | 60.07% | 206.82% | 385.06% | 219.07% | 283.73% |
News Based Sentiment: Trico Bancshares vs OFG Bancorp
Trico Bancshares
News based Sentiment: MIXED
The month presented a mixed bag for TriCo Bancshares, with strong Q2 earnings and a dividend increase countered by an analyst downgrade. While the company demonstrates financial strength and shareholder commitment, the conflicting signals require investors to carefully weigh the potential risks and rewards.
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: Trico Bancshares vs OFG Bancorp
| Metric | TCBK | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $1.47B | $1.98B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 72,251 | 196,237 |
| 90 Day Avg. Volume | 90,450 | 223,516 |
| Last Close | $43.76 | $42.31 |
| 52 Week Range | $35.20 - $51.06 | $33.15 - $47.66 |
| % from 52W High | -14.30% | -11.23% |
| All-Time High | $58.62 (Oct 31, 2022) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -25.35% | -11.23% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.02% | -0.02% |
| Quarterly Earnings Growth | -0.05% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.29% | 0.31% |
| Operating Margin (TTM) | 0.38% | 0.43% |
| Return on Equity (TTM) | 0.09% | 0.15% |
| Debt to Equity (MRQ) | 0.11 | 0.38 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $38.92 | $29.83 |
| Cash per Share (MRQ) | $4.00 | $19.13 |
| Operating Cash Flow (TTM) | $106.57M | $215.43M |
| Levered Free Cash Flow (TTM) | $114.87M | $198.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.72% | 2.57% |
| Last 12-Month Dividend | $1.68 | $1.05 |
Valuation & Enterprise Metrics Analysis: Trico Bancshares vs OFG Bancorp
| Metric | TCBK | OFG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 12.99 | 10.04 |
| Forward P/E | 13.27 | 10.80 |
| PEG Ratio | -2.86 | 1.82 |
| Price to Sales (TTM) | 3.66 | 3.07 |
| Price to Book (MRQ) | 1.13 | 1.43 |
| Market Capitalization | ||
| Market Capitalization | $1.47B | $1.98B |
| Enterprise Value | $1.45B | $1.55B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.70 | 2.50 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.64 | 0.81 |
| Book Value per Share (MRQ) | $38.92 | $29.83 |
Financial Statements Comparison: Trico Bancshares 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) | TCBK | OFG |
|---|---|---|
| Revenue/Sales | $101.77M | $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 | $37.81M | $59.45M |
| Income Tax | $10.27M | $13.88M |
| Net Income (Profit) | $27.54M | $45.57M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | TCBK | OFG |
|---|---|---|
| Cash & Equivalents | $308.25M | $235.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $217.59M | $275.80M |
| Total Shareholders Equity | $1.26B | $1.30B |
| Retained Earnings | $693.38M | $802.02M |
| Property, Plant & Equipment | $93.28M | $122.24M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | TCBK | OFG |
|---|---|---|
| Operating Cash Flow | $19.54M | $44.63M |
| Capital Expenditures | $-1.69M | $-4.35M |
| Free Cash Flow | $22.83M | $78.72M |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | $-4.11M | $-23.39M |
Short Interest & Institutional Ownership Analysis
| Metric | TCBK | OFG |
|---|---|---|
| Shares Short | 556,569 | 664,670 |
| Short Ratio | 6.67 | 3.48 |
| Short % of Float | 0.02% | 0.02% |
| Average Daily Volume (10 Day) | 72,251 | 196,237 |
| Average Daily Volume (90 Day) | 90,450 | 223,516 |
| Shares Outstanding | 32.97M | 45.44M |
| Float Shares | 30.99M | 43.97M |
| % Held by Insiders | 0.08% | 0.01% |
| % Held by Institutions | 0.68% | 0.98% |
Dividend Analysis & Yield Comparison: Trico Bancshares vs OFG Bancorp
| Metric | TCBK | OFG |
|---|---|---|
| Last 12-Month Dividend | $1.68 | $1.05 |
| Last 12-Month Dividend Yield | 3.72% | 2.57% |
| 3-Year Avg Annual Dividend | $1.38 | $0.91 |
| 3-Year Avg Dividend Yield | 0.78% | 0.71% |
| 3-Year Total Dividends | $4.14 | $2.73 |
| Ex-Dividend Date | Sep 05, 2025 | Mar 31, 2025 |