OFG Bancorp [OFG] vs Pathward Financial [CASH] Detailed Stock Comparison

OFG Bancorp

NYSE
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Pathward Financial Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: OFG Bancorp wins in 9 metrics, Pathward Financial Inc. wins in 9 metrics, with 0 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

Metric OFG Bancorp Pathward Financial Inc. Better
P/E Ratio (TTM) 9.24 11.91 OFG Bancorp
Price-to-Book Ratio 1.39 2.54 OFG Bancorp
Debt-to-Equity Ratio 0.42 0.07 Pathward Financial Inc.
PEG Ratio 0.56 0.55 Pathward Financial Inc.
Profit Margin (TTM) 33.64% 24.31% OFG Bancorp
Operating Margin (TTM) 42.01% 25.54% OFG Bancorp
EBITDA Margin (TTM) 42.01% 25.54% OFG Bancorp
Return on Equity 16.04% 23.57% Pathward Financial Inc.
Return on Assets (TTM) 1.80% 2.53% Pathward Financial Inc.
Free Cash Flow (TTM) $199.34M $236.59M Pathward Financial Inc.
Dividend Yield 2.57% 0.28% OFG Bancorp
1-Year Return 17.22% 13.18% OFG Bancorp
Price-to-Sales Ratio (TTM) 3.05 2.78 Pathward Financial Inc.
Enterprise Value $1.86B $1.85B OFG Bancorp
EV/Revenue Ratio 2.92 2.36 Pathward Financial Inc.
Revenue per Share (TTM) $14 $34 Pathward Financial Inc.
Earnings per Share (Diluted) $4.84 $8.21 Pathward Financial Inc.
Beta (Stock Volatility) N/A 0.74 N/A
Short % of Float 3.73% 10.89% OFG Bancorp

OFG Bancorp vs Pathward Financial Inc. Stock Performance Analysis

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OFG
CASH

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%
Pathward Financial Inc.-2.54%2.04%2.67%-8.92%11.41%14.14%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%
Pathward Financial Inc.13.18%74.27%72.73%386.53%1,668.28%1,037.43%

Performance & Financial Health Analysis: OFG Bancorp vs Pathward Financial Inc.

MetricOFGCASH
Market Information
Market Cap i$1.99B$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i264,900175,852
90 Day Avg. Volume i348,273230,397
Last Close$47.62$82.03
52 Week Range$35.71 - $48.56$65.87 - $101.26
% from 52W High-1.93%-18.99%
All-Time High$48.56 (Jun 15, 2026)$101.26 (Apr 17, 2026)
% from All-Time High-1.94%-18.99%
Growth Metrics
Quarterly Revenue Growth0.07%0.04%
Quarterly Earnings Growth0.18%0.17%
Financial Health
Profit Margin (TTM) i0.34%0.24%
Operating Margin (TTM) i0.42%0.26%
Return on Equity (TTM) i0.16%0.24%
Debt to Equity (MRQ) i0.420.07
Cash & Liquidity
Book Value per Share (MRQ)$32.13$38.55
Cash per Share (MRQ)$14.88$15.22
Operating Cash Flow (TTM) i$62.78M$630.66M
Levered Free Cash Flow (TTM) i$205.10M$185.18M
Dividends
Last 12-Month Dividend Yield i2.57%0.28%
Last 12-Month Dividend i$1.05$0.25

Valuation & Enterprise Metrics Analysis: OFG Bancorp vs Pathward Financial Inc.

MetricOFG (Apr 24, 2026)CASH (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i9.2411.91
Forward P/E i9.5910.21
PEG Ratio i0.560.55
Price to Sales (TTM) i3.052.78
Price to Book (MRQ) i1.392.54
Market Capitalization
Market Capitalization i$1.99B$1.96B
Enterprise Value i$1.86B$1.85B
Enterprise Value Metrics
Enterprise to Revenue i2.922.36
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta iN/A0.74
Book Value per Share (MRQ) i$32.13$38.55

Financial Statements Comparison: OFG Bancorp vs Pathward Financial Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricOFG (2025)CASH (2025)
Revenue/Sales i675.22M673.63M
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 i234.12M223.05M
Pre-Tax Income % of Revenue i34.7%33.1%
Income Tax i29.01M36.27M
Income Tax % of Revenue i4.3%5.4%
Net Income (Profit) i205.10M186.79M
Profit Margin i30.4%27.7%

Balance Sheet & Liquidity Metrics

MetricOFG (2025)CASH (2025)
Cash & Equivalents i1.04B120.57M
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 i423.17M33.46M
Long-Term Debt % of Revenue i62.7%5.0%
Total Shareholders Equity i1.39B857.45M
Retained Earnings i904.63M359.83M
Retained Earnings % of Revenue i134.0%53.4%
Property, Plant & Equipment i21.26M279.25M

Cash Flow Statement Comparison

MetricOFG (2025)CASH (2025)
Operating Cash Flow i62.78M453.09M
Operating Cash Flow % of Revenue i9.3%67.3%
Capital Expenditures i-16.96M-185.72M
Free Cash Flow i199.34M236.59M
FCF Margin i29.5%35.1%
Debt Repayment iN/AN/A
Common Stock Repurchase i-91.60M-163.05M

Short Interest & Institutional Ownership Analysis

MetricOFGCASH
Shares Short i1.09M1.97M
Short Ratio i2.608.16
Short % of Float i3.73%10.89%
Shares Outstanding i43.26M22.17M
Float Shares i42.30M21.45M
% Held by Insiders i1.13%1.42%
% Held by Institutions i99.69%95.01%
% Held by Public i-0.82%3.57%

Dividend Analysis & Yield Comparison: OFG Bancorp vs Pathward Financial Inc.

MetricOFGCASH
Last 12-Month Dividend i$1.05$0.25
Last 12-Month Dividend Yield i2.57%0.28%
3-Year Avg Annual Dividend i$0.91$0.22
3-Year Avg Dividend Yield i0.71%0.08%
3-Year Total Dividends i$2.73$0.65
Ex-Dividend DateMar 31, 2025Mar 12, 2026