Univest Financial [UVSP] vs OFG Bancorp [OFG] Detailed Stock Comparison
Univest Financial
NASDAQ
Loading...
OFG Bancorp
NYSE
Loading...
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Univest Financial wins in 5 metrics, OFG Bancorp wins in 13 metrics, with 0 ties. OFG Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Univest Financial | OFG Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.79 | 9.98 | OFG Bancorp |
| Price-to-Book Ratio | 0.93 | 1.42 | Univest Financial |
| Debt-to-Equity Ratio | 0.43 | 0.39 | OFG Bancorp |
| PEG Ratio | 12.87 | 10.74 | OFG Bancorp |
| Profit Margin (TTM) | 26.78% | 31.43% | OFG Bancorp |
| Operating Margin (TTM) | 34.63% | 41.19% | OFG Bancorp |
| EBITDA Margin (TTM) | 34.63% | 41.19% | OFG Bancorp |
| Return on Equity | 9.02% | 15.20% | OFG Bancorp |
| Return on Assets (TTM) | 1.01% | 1.66% | OFG Bancorp |
| Free Cash Flow (TTM) | $72.00M | $210.79M | OFG Bancorp |
| Dividend Yield | 3.64% | 2.57% | Univest Financial |
| 1-Year Return | 8.21% | -0.21% | Univest Financial |
| Price-to-Sales Ratio (TTM) | 2.85 | 3.06 | Univest Financial |
| Enterprise Value | $1.07B | $1.61B | OFG Bancorp |
| EV/Revenue Ratio | 3.60 | 2.59 | OFG Bancorp |
| Revenue per Share (TTM) | $10 | $14 | OFG Bancorp |
| Earnings per Share (Diluted) | $2.73 | $4.25 | OFG Bancorp |
| Beta (Stock Volatility) | 0.73 | 0.76 | Univest Financial |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Univest Financial vs OFG Bancorp Stock Performance Analysis
Loading Price Chart...
Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Univest Financial | -2.00% | -8.49% | -3.86% | -2.23% | -6.23% | -0.55% |
| OFG Bancorp | -2.91% | -4.72% | -0.89% | 7.80% | -2.19% | 1.97% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Univest Financial | 8.21% | 13.93% | 72.52% | 42.83% | 70.38% | 3.77% |
| OFG Bancorp | -0.21% | 52.43% | 208.51% | 432.91% | 208.06% | 194.79% |
Performance & Financial Health Analysis: Univest Financial vs OFG Bancorp
| Metric | UVSP | OFG |
|---|---|---|
| Market Information | ||
| Market Cap | $849.05M | $1.90B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 114,630 | 233,493 |
| 90 Day Avg. Volume | 114,817 | 260,411 |
| Last Close | $28.88 | $42.42 |
| 52 Week Range | $22.83 - $32.86 | $33.15 - $47.66 |
| % from 52W High | -12.11% | -10.99% |
| All-Time High | $38.99 (Sep 15, 2008) | $47.66 (Nov 25, 2024) |
| % from All-Time High | -25.93% | -10.99% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.06% | -0.02% |
| Quarterly Earnings Growth | 0.10% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.27% | 0.31% |
| Operating Margin (TTM) | 0.35% | 0.41% |
| Return on Equity (TTM) | 0.09% | 0.15% |
| Debt to Equity (MRQ) | 0.43 | 0.39 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $31.82 | $29.83 |
| Cash per Share (MRQ) | $5.57 | $19.04 |
| Operating Cash Flow (TTM) | $68.13M | $180.44M |
| Levered Free Cash Flow (TTM) | $75.93M | $198.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.64% | 2.57% |
| Last 12-Month Dividend | $1.07 | $1.05 |
Valuation & Enterprise Metrics Analysis: Univest Financial vs OFG Bancorp
| Metric | UVSP | OFG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.79 | 9.98 |
| Forward P/E | 12.87 | 10.74 |
| PEG Ratio | 12.87 | 10.74 |
| Price to Sales (TTM) | 2.85 | 3.06 |
| Price to Book (MRQ) | 0.93 | 1.42 |
| Market Capitalization | ||
| Market Capitalization | $849.05M | $1.90B |
| Enterprise Value | $1.07B | $1.61B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.60 | 2.59 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.73 | 0.76 |
| Book Value per Share (MRQ) | $31.82 | $29.83 |
Financial Statements Comparison: Univest Financial vs OFG Bancorp
Financial Metrics
Loading Financial Charts...
Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | UVSP | OFG |
|---|---|---|
| Revenue/Sales | $79.20M | $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 | $27.56M | $59.45M |
| Income Tax | $5.16M | $13.88M |
| Net Income (Profit) | $22.40M | $45.57M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | UVSP | OFG |
|---|---|---|
| Cash & Equivalents | $169.13M | $235.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $354.45M | $275.80M |
| Total Shareholders Equity | $903.47M | $1.30B |
| Retained Earnings | $541.78M | $802.02M |
| Property, Plant & Equipment | $74.36M | $122.24M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | UVSP | OFG |
|---|---|---|
| Operating Cash Flow | $13.06M | $44.63M |
| Capital Expenditures | $-1.87M | $-4.35M |
| Free Cash Flow | $13.66M | $78.72M |
| Debt Repayment | $-50.00M | N/A |
| Common Stock Repurchase | $-8.12M | $-23.39M |
Short Interest & Institutional Ownership Analysis
| Metric | UVSP | OFG |
|---|---|---|
| Shares Short | 373,322 | 551,563 |
| Short Ratio | 3.25 | 2.02 |
| Short % of Float | 0.01% | 0.02% |
| Average Daily Volume (10 Day) | 114,630 | 233,493 |
| Average Daily Volume (90 Day) | 114,817 | 260,411 |
| Shares Outstanding | 29.05M | 45.44M |
| Float Shares | 27.88M | 44.18M |
| % Held by Insiders | 0.01% | 0.02% |
| % Held by Institutions | 0.80% | 0.99% |
Dividend Analysis & Yield Comparison: Univest Financial vs OFG Bancorp
| Metric | UVSP | OFG |
|---|---|---|
| Last 12-Month Dividend | $1.07 | $1.05 |
| Last 12-Month Dividend Yield | 3.64% | 2.57% |
| 3-Year Avg Annual Dividend | $0.92 | $0.91 |
| 3-Year Avg Dividend Yield | 0.88% | 0.71% |
| 3-Year Total Dividends | $2.75 | $2.73 |
| Ex-Dividend Date | Aug 06, 2025 | Mar 31, 2025 |