Trico Bancshares [TCBK] vs OFG Bancorp [OFG] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Trico Bancshares 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 | Trico Bancshares | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 12.86 | 9.24 | OFG Bancorp |
| Price-to-Book Ratio | 1.23 | 1.39 | Trico Bancshares |
| Debt-to-Equity Ratio | 0.06 | 0.42 | Trico Bancshares |
| PEG Ratio | 0.71 | 0.56 | OFG Bancorp |
| Profit Margin (TTM) | 30.99% | 33.64% | OFG Bancorp |
| Operating Margin (TTM) | 43.72% | 42.01% | Trico Bancshares |
| EBITDA Margin (TTM) | 43.72% | 42.01% | Trico Bancshares |
| Return on Equity | 9.99% | 16.04% | OFG Bancorp |
| Return on Assets (TTM) | 1.30% | 1.80% | OFG Bancorp |
| Free Cash Flow (TTM) | $127.93M | $199.34M | OFG Bancorp |
| Dividend Yield | 3.50% | 2.57% | Trico Bancshares |
| 1-Year Return | 33.23% | 17.22% | Trico Bancshares |
| Price-to-Sales Ratio (TTM) | 3.92 | 3.05 | OFG Bancorp |
| Enterprise Value | $1.41B | $1.86B | OFG Bancorp |
| EV/Revenue Ratio | 3.39 | 2.92 | OFG Bancorp |
| Revenue per Share (TTM) | $13 | $14 | OFG Bancorp |
| Earnings per Share (Diluted) | $3.94 | $4.84 | OFG Bancorp |
| Short % of Float | 3.51% | 3.73% | Trico Bancshares |
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 | -1.84% | 1.93% | 5.88% | 9.75% | 3.38% | 9.59% |
| OFG Bancorp | -0.92% | 2.56% | 8.30% | 21.20% | 12.74% | 16.09% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Trico Bancshares | 33.23% | 40.45% | 23.45% | 91.63% | 266.06% | 102.70% |
| OFG Bancorp | 17.22% | 79.06% | 122.40% | 472.82% | 295.23% | 282.34% |
Performance & Financial Health Analysis: Trico Bancshares vs OFG Bancorp
| Metric | TCBK | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $1.63B | $1.99B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 127,922 | 264,900 |
| 90 Day Avg. Volume | 142,681 | 348,273 |
| Last Close | $51.67 | $47.62 |
| 52 Week Range | $37.96 - $53.18 | $35.71 - $48.56 |
| % from 52W High | -2.84% | -1.93% |
| All-Time High | $58.62 (Oct 31, 2022) | $48.56 (Jun 15, 2026) |
| % from All-Time High | -11.86% | -1.94% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.11% | 0.07% |
| Quarterly Earnings Growth | 0.28% | 0.18% |
| Financial Health | ||
| Profit Margin (TTM) | 0.31% | 0.34% |
| Operating Margin (TTM) | 0.44% | 0.42% |
| Return on Equity (TTM) | 0.10% | 0.16% |
| Debt to Equity (MRQ) | 0.06 | 0.42 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $41.07 | $32.13 |
| Cash per Share (MRQ) | $9.36 | $14.88 |
| Operating Cash Flow (TTM) | $120.38M | $62.78M |
| Levered Free Cash Flow (TTM) | $121.56M | $205.10M |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.50% | 2.57% |
| Last 12-Month Dividend | $1.74 | $1.05 |
Valuation & Enterprise Metrics Analysis: Trico Bancshares vs OFG Bancorp
| Metric | TCBK (Apr 24, 2026) | OFG (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 12.86 | 9.24 |
| Forward P/E | 12.02 | 9.59 |
| PEG Ratio | 0.71 | 0.56 |
| Price to Sales (TTM) | 3.92 | 3.05 |
| Price to Book (MRQ) | 1.23 | 1.39 |
| Market Capitalization | ||
| Market Capitalization | $1.63B | $1.99B |
| Enterprise Value | $1.41B | $1.86B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.39 | 2.92 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | N/A | N/A |
| Book Value per Share (MRQ) | $41.07 | $32.13 |
Financial Statements Comparison: Trico Bancshares 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
| Metric | TCBK (2025) | OFG (2025) |
|---|---|---|
| Revenue/Sales | 411.34M | 675.22M |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 166.16M | 234.12M |
| Pre-Tax Income % of Revenue | 40.4% | 34.7% |
| Income Tax | 44.60M | 29.01M |
| Income Tax % of Revenue | 10.8% | 4.3% |
| Net Income (Profit) | 121.56M | 205.10M |
| Profit Margin | 29.6% | 30.4% |
Balance Sheet & Liquidity Metrics
| Metric | TCBK (2025) | OFG (2025) |
|---|---|---|
| Cash & Equivalents | 157.01M | 1.04B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 80.23M | 423.17M |
| Long-Term Debt % of Revenue | 19.5% | 62.7% |
| Total Shareholders Equity | 1.33B | 1.39B |
| Retained Earnings | 740.24M | 904.63M |
| Retained Earnings % of Revenue | 180.0% | 134.0% |
| Property, Plant & Equipment | 25.51M | 21.26M |
Cash Flow Statement Comparison
| Metric | TCBK (2025) | OFG (2025) |
|---|---|---|
| Operating Cash Flow | 120.38M | 62.78M |
| Operating Cash Flow % of Revenue | 29.3% | 9.3% |
| Capital Expenditures | -5.36M | -16.96M |
| Free Cash Flow | 127.93M | 199.34M |
| FCF Margin | 31.1% | 29.5% |
| Debt Repayment | -137.85M | N/A |
| Common Stock Repurchase | -32.05M | -91.60M |
Short Interest & Institutional Ownership Analysis
| Metric | TCBK | OFG |
|---|---|---|
| Shares Short | 1.07M | 1.09M |
| Short Ratio | 6.30 | 2.60 |
| Short % of Float | 3.51% | 3.73% |
| Shares Outstanding | 32.33M | 43.26M |
| Float Shares | 30.61M | 42.30M |
| % Held by Insiders | 8.46% | 1.13% |
| % Held by Institutions | 72.33% | 99.69% |
| % Held by Public | 19.21% | -0.82% |
Dividend Analysis & Yield Comparison: Trico Bancshares vs OFG Bancorp
| Metric | TCBK | OFG |
|---|---|---|
| Last 12-Month Dividend | $1.74 | $1.05 |
| Last 12-Month Dividend Yield | 3.50% | 2.57% |
| 3-Year Avg Annual Dividend | $1.42 | $0.91 |
| 3-Year Avg Dividend Yield | 0.80% | 0.71% |
| 3-Year Total Dividends | $4.26 | $2.73 |
| Ex-Dividend Date | Mar 06, 2026 | Mar 31, 2025 |