Triumph Financial [TFIN] vs OFG Bancorp [OFG] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Triumph Financial Inc. wins in 4 metrics, OFG Bancorp wins in 13 metrics, with 0 ties. OFG Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Triumph Financial Inc. | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 52.87 | 9.24 | OFG Bancorp |
| Price-to-Book Ratio | 1.67 | 1.39 | OFG Bancorp |
| Debt-to-Equity Ratio | 0.15 | 0.42 | Triumph Financial Inc. |
| PEG Ratio | -0.06 | 0.56 | OFG Bancorp |
| Profit Margin (TTM) | 7.17% | 33.64% | OFG Bancorp |
| Operating Margin (TTM) | 14.12% | 42.01% | OFG Bancorp |
| EBITDA Margin (TTM) | 14.12% | 42.01% | OFG Bancorp |
| Return on Equity | 3.44% | 16.04% | OFG Bancorp |
| Return on Assets (TTM) | 0.48% | 1.80% | OFG Bancorp |
| Free Cash Flow (TTM) | $31.29M | $199.34M | OFG Bancorp |
| Dividend Yield | N/A | 2.57% | N/A |
| 1-Year Return | 23.33% | 10.74% | Triumph Financial Inc. |
| Price-to-Sales Ratio (TTM) | 3.39 | 3.05 | OFG Bancorp |
| Enterprise Value | $1.10B | $1.86B | OFG Bancorp |
| EV/Revenue Ratio | 2.50 | 2.92 | Triumph Financial Inc. |
| Revenue per Share (TTM) | $19 | $14 | Triumph Financial Inc. |
| Earnings per Share (Diluted) | $1.19 | $4.84 | OFG Bancorp |
| Short % of Float | 16.10% | 3.73% | OFG Bancorp |
Triumph Financial Inc. vs OFG Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Triumph Financial Inc. | -5.35% | -2.66% | 3.99% | 11.51% | 13.64% | 7.78% |
| OFG Bancorp | -1.84% | -1.89% | -0.89% | 11.05% | 9.93% | 9.04% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Triumph Financial Inc. | 23.33% | 22.55% | -14.64% | 341.72% | 239.29% | 239.29% |
| OFG Bancorp | 10.74% | 70.96% | 88.81% | 418.91% | 279.67% | 255.94% |
Performance & Financial Health Analysis: Triumph Financial Inc. vs OFG Bancorp
| Metric | TFIN | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $1.60B | $1.99B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 289,761 | 264,900 |
| 90 Day Avg. Volume | 249,954 | 348,273 |
| Last Close | $68.30 | $44.73 |
| 52 Week Range | $46.43 - $77.84 | $35.71 - $46.85 |
| % from 52W High | -12.26% | -4.53% |
| All-Time High | $136.01 (Dec 06, 2021) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -49.78% | -6.15% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.06% | 0.07% |
| Quarterly Earnings Growth | 372.82% | 0.18% |
| Financial Health | ||
| Profit Margin (TTM) | 0.07% | 0.34% |
| Operating Margin (TTM) | 0.14% | 0.42% |
| Return on Equity (TTM) | 0.03% | 0.16% |
| Debt to Equity (MRQ) | 0.15 | 0.42 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $37.73 | $32.13 |
| Cash per Share (MRQ) | $24.45 | $14.88 |
| Operating Cash Flow (TTM) | $75.74M | $62.78M |
| Levered Free Cash Flow (TTM) | $22.15M | $205.10M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 2.57% |
| Last 12-Month Dividend | $0.00 | $1.05 |
Valuation & Enterprise Metrics Analysis: Triumph Financial Inc. vs OFG Bancorp
| Metric | TFIN (Apr 24, 2026) | OFG (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 52.87 | 9.24 |
| Forward P/E | 24.85 | 9.59 |
| PEG Ratio | -0.06 | 0.56 |
| Price to Sales (TTM) | 3.39 | 3.05 |
| Price to Book (MRQ) | 1.67 | 1.39 |
| Market Capitalization | ||
| Market Capitalization | $1.60B | $1.99B |
| Enterprise Value | $1.10B | $1.86B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.50 | 2.92 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | N/A | N/A |
| Book Value per Share (MRQ) | $37.73 | $32.13 |
Financial Statements Comparison: Triumph Financial 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
| Metric | TFIN (2025) | OFG (2025) |
|---|---|---|
| Revenue/Sales | 423.83M | 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 | 32.99M | 234.12M |
| Pre-Tax Income % of Revenue | 7.8% | 34.7% |
| Income Tax | 7.63M | 29.01M |
| Income Tax % of Revenue | 1.8% | 4.3% |
| Net Income (Profit) | 25.36M | 205.10M |
| Profit Margin | 6.0% | 30.4% |
Balance Sheet & Liquidity Metrics
| Metric | TFIN (2025) | OFG (2025) |
|---|---|---|
| Cash & Equivalents | 248.47M | 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 | 392.87M | 423.17M |
| Long-Term Debt % of Revenue | 92.7% | 62.7% |
| Total Shareholders Equity | 941.77M | 1.39B |
| Retained Earnings | 571.37M | 904.63M |
| Retained Earnings % of Revenue | 134.8% | 134.0% |
| Property, Plant & Equipment | 11.43M | 21.26M |
Cash Flow Statement Comparison
| Metric | TFIN (2025) | OFG (2025) |
|---|---|---|
| Operating Cash Flow | 78.80M | 62.78M |
| Operating Cash Flow % of Revenue | 18.6% | 9.3% |
| Capital Expenditures | 70.31M | -16.96M |
| Free Cash Flow | 31.29M | 199.34M |
| FCF Margin | 7.4% | 29.5% |
| Debt Repayment | 0 | N/A |
| Common Stock Repurchase | -2.23M | -91.60M |
Short Interest & Institutional Ownership Analysis
| Metric | TFIN | OFG |
|---|---|---|
| Shares Short | 3.10M | 1.09M |
| Short Ratio | 13.33 | 2.60 |
| Short % of Float | 16.10% | 3.73% |
| Shares Outstanding | 23.81M | 43.26M |
| Float Shares | 21.11M | 42.30M |
| % Held by Insiders | 5.19% | 1.13% |
| % Held by Institutions | 100.84% | 99.69% |
| % Held by Public | -6.03% | -0.82% |
Dividend Analysis & Yield Comparison: Triumph Financial Inc. vs OFG Bancorp
| Metric | TFIN | OFG |
|---|---|---|
| Last 12-Month Dividend | $0.00 | $1.05 |
| Last 12-Month Dividend Yield | N/A | 2.57% |
| 3-Year Avg Annual Dividend | $0.00 | $0.91 |
| 3-Year Avg Dividend Yield | N/A | 0.71% |
| 3-Year Total Dividends | $0.00 | $2.73 |
| Ex-Dividend Date | N/A | Mar 31, 2025 |