TrustCo Bank Corp NY [TRST] vs OFG Bancorp [OFG] Detailed Stock Comparison

TrustCo Bank Corp NY

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: TrustCo Bank Corp NY 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 TrustCo Bank Corp NY OFG Bancorp Better
P/E Ratio (TTM) 13.21 9.24 OFG Bancorp
Price-to-Book Ratio 1.18 1.39 TrustCo Bank Corp NY
Debt-to-Equity Ratio 0.22 0.42 TrustCo Bank Corp NY
PEG Ratio 0.62 0.56 OFG Bancorp
Profit Margin (TTM) 33.26% 33.64% OFG Bancorp
Operating Margin (TTM) 46.96% 42.01% TrustCo Bank Corp NY
EBITDA Margin (TTM) 46.96% 42.01% TrustCo Bank Corp NY
Return on Equity 9.30% 16.04% OFG Bancorp
Return on Assets (TTM) 0.98% 1.80% OFG Bancorp
Free Cash Flow (TTM) $45.74M $199.34M OFG Bancorp
Dividend Yield 4.08% 2.57% TrustCo Bank Corp NY
1-Year Return 74.90% 17.22% TrustCo Bank Corp NY
Price-to-Sales Ratio (TTM) 4.20 3.05 OFG Bancorp
Enterprise Value $169.61M $1.86B OFG Bancorp
EV/Revenue Ratio 0.89 2.92 TrustCo Bank Corp NY
Revenue per Share (TTM) $10 $14 OFG Bancorp
Earnings per Share (Diluted) $3.41 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.58 N/A N/A
Short % of Float 4.59% 3.73% OFG Bancorp

TrustCo Bank Corp NY vs OFG Bancorp Stock Performance Analysis

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TRST
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
TrustCo Bank Corp NY-3.98%-0.26%9.65%21.93%19.37%28.51%
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
TrustCo Bank Corp NY74.90%80.91%61.27%77.08%115.40%1.75%
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%

Performance & Financial Health Analysis: TrustCo Bank Corp NY vs OFG Bancorp

MetricTRSTOFG
Market Information
Market Cap i$823.18M$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i91,540264,900
90 Day Avg. Volume i124,867348,273
Last Close$53.05$47.62
52 Week Range$30.52 - $55.60$35.71 - $48.56
% from 52W High-4.59%-1.93%
All-Time High$71.25 (Dec 01, 2003)$48.56 (Jun 15, 2026)
% from All-Time High-25.54%-1.94%
Growth Metrics
Quarterly Revenue Growth0.08%0.07%
Quarterly Earnings Growth0.14%0.18%
Financial Health
Profit Margin (TTM) i0.33%0.34%
Operating Margin (TTM) i0.47%0.42%
Return on Equity (TTM) i0.09%0.16%
Debt to Equity (MRQ) i0.220.42
Cash & Liquidity
Book Value per Share (MRQ)$38.08$32.13
Cash per Share (MRQ)$43.87$14.88
Operating Cash Flow (TTM) i$58.70M$62.78M
Levered Free Cash Flow (TTM) i$61.14M$205.10M
Dividends
Last 12-Month Dividend Yield i4.08%2.57%
Last 12-Month Dividend i$1.86$1.05

Valuation & Enterprise Metrics Analysis: TrustCo Bank Corp NY vs OFG Bancorp

MetricTRST (Apr 24, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i13.219.24
Forward P/E i15.709.59
PEG Ratio i0.620.56
Price to Sales (TTM) i4.203.05
Price to Book (MRQ) i1.181.39
Market Capitalization
Market Capitalization i$823.18M$1.99B
Enterprise Value i$169.61M$1.86B
Enterprise Value Metrics
Enterprise to Revenue i0.892.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.58N/A
Book Value per Share (MRQ) i$38.08$32.13

Financial Statements Comparison: TrustCo Bank Corp NY 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

MetricTRST (2025)OFG (2025)
Revenue/Sales i187.92M675.22M
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 i80.81M234.12M
Pre-Tax Income % of Revenue i43.0%34.7%
Income Tax i19.68M29.01M
Income Tax % of Revenue i10.5%4.3%
Net Income (Profit) i61.14M205.10M
Profit Margin i32.5%30.4%

Balance Sheet & Liquidity Metrics

MetricTRST (2025)OFG (2025)
Cash & Equivalents i50.57M1.04B
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 i36.39M423.17M
Long-Term Debt % of Revenue i19.4%62.7%
Total Shareholders Equity i686.59M1.39B
Retained Earnings i480.00M904.63M
Retained Earnings % of Revenue i255.4%134.0%
Property, Plant & Equipment i33.64M21.26M

Cash Flow Statement Comparison

MetricTRST (2025)OFG (2025)
Operating Cash Flow i58.70M62.78M
Operating Cash Flow % of Revenue i31.2%9.3%
Capital Expenditures i-11.87M-16.96M
Free Cash Flow i45.74M199.34M
FCF Margin i24.3%29.5%
Debt Repayment iN/AN/A
Common Stock Repurchase i-38.13M-91.60M

Short Interest & Institutional Ownership Analysis

MetricTRSTOFG
Shares Short i648,2431.09M
Short Ratio i4.562.60
Short % of Float i4.59%3.73%
Shares Outstanding i17.51M43.26M
Float Shares i16.84M42.30M
% Held by Insiders i3.43%1.13%
% Held by Institutions i83.12%99.69%
% Held by Public i13.45%-0.82%

Dividend Analysis & Yield Comparison: TrustCo Bank Corp NY vs OFG Bancorp

MetricTRSTOFG
Last 12-Month Dividend i$1.86$1.05
Last 12-Month Dividend Yield i4.08%2.57%
3-Year Avg Annual Dividend i$1.58$0.91
3-Year Avg Dividend Yield i1.11%0.71%
3-Year Total Dividends i$4.74$2.73
Ex-Dividend DateMar 06, 2026Mar 31, 2025