Westamerica [WABC] vs OFG Bancorp [OFG] Detailed Stock Comparison

Westamerica Bancorporation

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Westamerica Bancorporation wins in 8 metrics, OFG Bancorp wins in 10 metrics, with 0 ties. OFG Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Westamerica Bancorporation OFG Bancorp Better
P/E Ratio (TTM) 12.01 9.24 OFG Bancorp
Price-to-Book Ratio 1.42 1.39 OFG Bancorp
Debt-to-Equity Ratio 0.15 0.42 Westamerica Bancorporation
PEG Ratio -4.64 0.56 OFG Bancorp
Profit Margin (TTM) 44.30% 33.64% Westamerica Bancorporation
Operating Margin (TTM) 60.24% 42.01% Westamerica Bancorporation
EBITDA Margin (TTM) 60.24% 42.01% Westamerica Bancorporation
Return on Equity 12.46% 16.04% OFG Bancorp
Return on Assets (TTM) 1.90% 1.80% Westamerica Bancorporation
Free Cash Flow (TTM) $119.65M $199.34M OFG Bancorp
Dividend Yield 4.55% 2.57% Westamerica Bancorporation
1-Year Return 23.78% 17.22% Westamerica Bancorporation
Price-to-Sales Ratio (TTM) 5.14 3.05 OFG Bancorp
Enterprise Value $1.02B $1.86B OFG Bancorp
EV/Revenue Ratio 4.02 2.92 OFG Bancorp
Revenue per Share (TTM) $10 $14 OFG Bancorp
Earnings per Share (Diluted) $4.49 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.56 N/A N/A
Short % of Float 3.19% 3.73% Westamerica Bancorporation

Westamerica Bancorporation vs OFG Bancorp Stock Performance Analysis

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WABC
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Westamerica Bancorporation-0.88%2.02%7.18%13.42%16.96%20.51%
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Westamerica Bancorporation23.78%39.35%0.83%22.32%20.07%18.46%
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%

Performance & Financial Health Analysis: Westamerica Bancorporation vs OFG Bancorp

MetricWABCOFG
Market Information
Market Cap i$1.32B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i219,987264,900
90 Day Avg. Volume i226,062348,273
Last Close$57.64$47.62
52 Week Range$44.93 - $59.00$35.71 - $48.56
% from 52W High-2.31%-1.93%
All-Time High$69.08 (Jan 13, 2020)$48.56 (Jun 15, 2026)
% from All-Time High-16.56%-1.94%
Growth Metrics
Quarterly Revenue Growth-0.07%0.07%
Quarterly Earnings Growth-0.12%0.18%
Financial Health
Profit Margin (TTM) i0.44%0.34%
Operating Margin (TTM) i0.60%0.42%
Return on Equity (TTM) i0.12%0.16%
Debt to Equity (MRQ) i0.150.42
Cash & Liquidity
Book Value per Share (MRQ)$37.91$32.13
Cash per Share (MRQ)$16.81$14.88
Operating Cash Flow (TTM) i$118.56M$62.78M
Levered Free Cash Flow (TTM) i$116.17M$205.10M
Dividends
Last 12-Month Dividend Yield i4.55%2.57%
Last 12-Month Dividend i$2.28$1.05

Valuation & Enterprise Metrics Analysis: Westamerica Bancorporation vs OFG Bancorp

MetricWABC (Apr 24, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.019.24
Forward P/E i12.559.59
PEG Ratio i-4.640.56
Price to Sales (TTM) i5.143.05
Price to Book (MRQ) i1.421.39
Market Capitalization
Market Capitalization i$1.32B$1.99B
Enterprise Value i$1.02B$1.86B
Enterprise Value Metrics
Enterprise to Revenue i4.022.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.56N/A
Book Value per Share (MRQ) i$37.91$32.13

Financial Statements Comparison: Westamerica Bancorporation 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

MetricWABC (2025)OFG (2025)
Revenue/Sales i258.06M675.22M
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 i156.69M234.12M
Pre-Tax Income % of Revenue i60.7%34.7%
Income Tax i40.51M29.01M
Income Tax % of Revenue i15.7%4.3%
Net Income (Profit) i116.17M205.10M
Profit Margin i45.0%30.4%

Balance Sheet & Liquidity Metrics

MetricWABC (2025)OFG (2025)
Cash & Equivalents i567.80M1.04B
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 i22.21M423.17M
Long-Term Debt % of Revenue i8.6%62.7%
Total Shareholders Equity i933.51M1.39B
Retained Earnings i584.63M904.63M
Retained Earnings % of Revenue i226.6%134.0%
Property, Plant & Equipment i22.21M21.26M

Cash Flow Statement Comparison

MetricWABC (2025)OFG (2025)
Operating Cash Flow i118.56M62.78M
Operating Cash Flow % of Revenue i45.9%9.3%
Capital Expenditures i-2.25M-16.96M
Free Cash Flow i119.65M199.34M
FCF Margin i46.4%29.5%
Debt Repayment iN/AN/A
Common Stock Repurchase i-103.79M-91.60M

Short Interest & Institutional Ownership Analysis

MetricWABCOFG
Shares Short i520,0521.09M
Short Ratio i2.292.60
Short % of Float i3.19%3.73%
Shares Outstanding i23.63M43.26M
Float Shares i22.39M42.30M
% Held by Insiders i3.61%1.13%
% Held by Institutions i85.87%99.69%
% Held by Public i10.52%-0.82%

Dividend Analysis & Yield Comparison: Westamerica Bancorporation vs OFG Bancorp

MetricWABCOFG
Last 12-Month Dividend i$2.28$1.05
Last 12-Month Dividend Yield i4.55%2.57%
3-Year Avg Annual Dividend i$1.92$0.91
3-Year Avg Dividend Yield i0.91%0.71%
3-Year Total Dividends i$5.76$2.73
Ex-Dividend DateFeb 02, 2026Mar 31, 2025