OFG Bancorp [OFG] vs City Holding Company [CHCO] Detailed Stock Comparison
OFG Bancorp
NYSE
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City Holding Company
NASDAQ
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: OFG Bancorp wins in 6 metrics, City Holding Company wins in 12 metrics, with 0 ties. City Holding Company appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | OFG Bancorp | City Holding Company | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.04 | 14.79 | OFG Bancorp |
| Price-to-Book Ratio | 1.43 | 2.33 | OFG Bancorp |
| Debt-to-Equity Ratio | 0.38 | 0.69 | OFG Bancorp |
| PEG Ratio | 1.82 | 0.88 | City Holding Company |
| Profit Margin (TTM) | 31.43% | 40.61% | City Holding Company |
| Operating Margin (TTM) | 43.08% | 52.66% | City Holding Company |
| EBITDA Margin (TTM) | 43.08% | 52.66% | City Holding Company |
| Return on Equity | 15.20% | 16.84% | City Holding Company |
| Return on Assets (TTM) | 1.66% | 1.89% | City Holding Company |
| Free Cash Flow (TTM) | $210.79M | $129.19M | OFG Bancorp |
| Dividend Yield | 2.57% | 3.22% | City Holding Company |
| 1-Year Return | -2.22% | 4.29% | City Holding Company |
| Price-to-Sales Ratio (TTM) | 3.07 | 5.91 | OFG Bancorp |
| Enterprise Value | $1.55B | $2.09B | City Holding Company |
| EV/Revenue Ratio | 2.50 | 6.96 | OFG Bancorp |
| Revenue per Share (TTM) | $14 | $21 | City Holding Company |
| Earnings per Share (Diluted) | $4.25 | $8.30 | City Holding Company |
| Beta (Stock Volatility) | 0.81 | 0.53 | City Holding Company |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
OFG Bancorp vs City Holding Company Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| OFG Bancorp | 1.22% | -1.73% | -2.66% | -3.05% | 23.73% | 3.77% |
| City Holding Company | 0.68% | -0.46% | -4.34% | -2.74% | 12.20% | 5.32% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| OFG Bancorp | -2.22% | 60.07% | 206.82% | 385.06% | 219.07% | 283.73% |
| City Holding Company | 4.29% | 32.50% | 109.42% | 157.62% | 279.20% | 264.65% |
News Based Sentiment: OFG Bancorp vs City Holding Company
OFG Bancorp
News based Sentiment: MIXED
October saw a mix of positive analyst sentiment regarding OFG Bancorp's valuation and growth potential, alongside cautions about economic reliance and competition. The upcoming earnings report on October 22nd will be a key event to watch, making this a moderately significant month for investors.
City Holding Company
News based Sentiment: POSITIVE
City Holding Company’s record earnings for 2023, coupled with a dividend announcement, paints a positive picture for investors. The significant increases in net income and net interest income demonstrate strong financial performance and a commitment to shareholder value, making this a noteworthy month for the company.
Performance & Financial Health Analysis: OFG Bancorp vs City Holding Company
| Metric | OFG | CHCO |
|---|---|---|
| Market Information | ||
| Market Cap | $1.98B | $1.84B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 196,237 | 79,202 |
| 90 Day Avg. Volume | 223,516 | 85,601 |
| Last Close | $43.17 | $123.58 |
| 52 Week Range | $33.15 - $47.66 | $102.22 - $137.28 |
| % from 52W High | -9.42% | -9.98% |
| All-Time High | $47.66 (Nov 25, 2024) | $137.28 (Nov 25, 2024) |
| % from All-Time High | -9.42% | -9.98% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.02% | 0.10% |
| Quarterly Earnings Growth | 0.01% | 0.15% |
| Financial Health | ||
| Profit Margin (TTM) | 0.31% | 0.41% |
| Operating Margin (TTM) | 0.43% | 0.53% |
| Return on Equity (TTM) | 0.15% | 0.17% |
| Debt to Equity (MRQ) | 0.38 | 0.69 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $29.83 | $52.72 |
| Cash per Share (MRQ) | $19.13 | $14.72 |
| Operating Cash Flow (TTM) | $215.43M | $131.14M |
| Levered Free Cash Flow (TTM) | $198.17M | $116.03M |
| Dividends | ||
| Last 12-Month Dividend Yield | 2.57% | 3.22% |
| Last 12-Month Dividend | $1.05 | $4.03 |
Valuation & Enterprise Metrics Analysis: OFG Bancorp vs City Holding Company
| Metric | OFG | CHCO |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.04 | 14.79 |
| Forward P/E | 10.80 | 16.32 |
| PEG Ratio | 1.82 | 0.88 |
| Price to Sales (TTM) | 3.07 | 5.91 |
| Price to Book (MRQ) | 1.43 | 2.33 |
| Market Capitalization | ||
| Market Capitalization | $1.98B | $1.84B |
| Enterprise Value | $1.55B | $2.09B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.50 | 6.96 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.81 | 0.53 |
| Book Value per Share (MRQ) | $29.83 | $52.72 |
Financial Statements Comparison: OFG Bancorp vs City Holding Company
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | OFG | CHCO |
|---|---|---|
| Revenue/Sales | $166.68M | $75.67M |
| 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 | $59.45M | $41.16M |
| Income Tax | $13.88M | $7.77M |
| Net Income (Profit) | $45.57M | $33.39M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | OFG | CHCO |
|---|---|---|
| Cash & Equivalents | $235.00M | $384.71M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $275.80M | $150.00M |
| Total Shareholders Equity | $1.30B | $756.34M |
| Retained Earnings | $802.02M | $871.41M |
| Property, Plant & Equipment | $122.24M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | OFG | CHCO |
|---|---|---|
| Operating Cash Flow | $44.63M | $31.23M |
| Capital Expenditures | $-4.35M | $-207,000 |
| Free Cash Flow | $78.72M | $31.26M |
| Debt Repayment | N/A | $-186,000 |
| Common Stock Repurchase | $-23.39M | $-9.46M |
Short Interest & Institutional Ownership Analysis
| Metric | OFG | CHCO |
|---|---|---|
| Shares Short | 664,670 | 934,584 |
| Short Ratio | 3.48 | 11.49 |
| Short % of Float | 0.02% | 0.09% |
| Average Daily Volume (10 Day) | 196,237 | 79,202 |
| Average Daily Volume (90 Day) | 223,516 | 85,601 |
| Shares Outstanding | 45.44M | 14.71M |
| Float Shares | 43.97M | 14.22M |
| % Held by Insiders | 0.01% | 0.04% |
| % Held by Institutions | 0.98% | 0.74% |
Dividend Analysis & Yield Comparison: OFG Bancorp vs City Holding Company
| Metric | OFG | CHCO |
|---|---|---|
| Last 12-Month Dividend | $1.05 | $4.03 |
| Last 12-Month Dividend Yield | 2.57% | 3.22% |
| 3-Year Avg Annual Dividend | $0.91 | $3.16 |
| 3-Year Avg Dividend Yield | 0.71% | 0.69% |
| 3-Year Total Dividends | $2.73 | $9.47 |
| Ex-Dividend Date | Mar 31, 2025 | Oct 15, 2025 |