OFG Bancorp [OFG] vs Northwest Bancshares [NWBI] Detailed Stock Comparison

OFG Bancorp

NYSE
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Northwest Bancshares Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: OFG Bancorp wins in 13 metrics, Northwest Bancshares Inc. wins in 5 metrics, with 0 ties. OFG Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric OFG Bancorp Northwest Bancshares Inc. Better
P/E Ratio (TTM) 9.24 14.37 OFG Bancorp
Price-to-Book Ratio 1.39 1.02 Northwest Bancshares Inc.
Debt-to-Equity Ratio 0.42 0.41 Northwest Bancshares Inc.
PEG Ratio 0.56 0.75 OFG Bancorp
Profit Margin (TTM) 33.64% 21.03% OFG Bancorp
Operating Margin (TTM) 42.01% 39.86% OFG Bancorp
EBITDA Margin (TTM) 42.01% 39.86% OFG Bancorp
Return on Equity 16.04% 7.23% OFG Bancorp
Return on Assets (TTM) 1.80% 0.81% OFG Bancorp
Free Cash Flow (TTM) $199.34M $141.79M OFG Bancorp
Dividend Yield 2.57% 6.05% Northwest Bancshares Inc.
1-Year Return 17.22% 20.62% Northwest Bancshares Inc.
Price-to-Sales Ratio (TTM) 3.05 3.23 OFG Bancorp
Enterprise Value $1.86B $2.45B Northwest Bancshares Inc.
EV/Revenue Ratio 2.92 4.10 OFG Bancorp
Revenue per Share (TTM) $14 $4 OFG Bancorp
Earnings per Share (Diluted) $4.84 $0.92 OFG Bancorp
Beta (Stock Volatility) N/A 0.63 N/A
Short % of Float 3.73% 5.64% OFG Bancorp

OFG Bancorp vs Northwest Bancshares Inc. Stock Performance Analysis

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OFG
NWBI

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%
Northwest Bancshares Inc.-1.69%1.89%8.58%19.07%13.85%21.45%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%
Northwest Bancshares Inc.20.62%27.70%9.79%4.82%20.82%30.05%

Performance & Financial Health Analysis: OFG Bancorp vs Northwest Bancshares Inc.

MetricOFGNWBI
Market Information
Market Cap i$1.99B$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i264,9001,051,338
90 Day Avg. Volume i348,2731,576,466
Last Close$47.62$14.55
52 Week Range$35.71 - $48.56$11.25 - $14.93
% from 52W High-1.93%-2.51%
All-Time High$48.56 (Jun 15, 2026)$19.10 (Dec 05, 2016)
% from All-Time High-1.94%-23.82%
Growth Metrics
Quarterly Revenue Growth0.07%0.25%
Quarterly Earnings Growth0.18%0.40%
Financial Health
Profit Margin (TTM) i0.34%0.21%
Operating Margin (TTM) i0.42%0.40%
Return on Equity (TTM) i0.16%0.07%
Debt to Equity (MRQ) i0.420.41
Cash & Liquidity
Book Value per Share (MRQ)$32.13$12.94
Cash per Share (MRQ)$14.88$1.78
Operating Cash Flow (TTM) i$62.78M$153.42M
Levered Free Cash Flow (TTM) i$205.10M$125.95M
Dividends
Last 12-Month Dividend Yield i2.57%6.05%
Last 12-Month Dividend i$1.05$0.80

Valuation & Enterprise Metrics Analysis: OFG Bancorp vs Northwest Bancshares Inc.

MetricOFG (Apr 24, 2026)NWBI (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i9.2414.37
Forward P/E i9.599.29
PEG Ratio i0.560.75
Price to Sales (TTM) i3.053.23
Price to Book (MRQ) i1.391.02
Market Capitalization
Market Capitalization i$1.99B$1.96B
Enterprise Value i$1.86B$2.45B
Enterprise Value Metrics
Enterprise to Revenue i2.924.10
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta iN/A0.63
Book Value per Share (MRQ) i$32.13$12.94

Financial Statements Comparison: OFG Bancorp vs Northwest Bancshares 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)NWBI (2025)
Revenue/Sales i675.22M651.87M
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 i234.12M162.79M
Pre-Tax Income % of Revenue i34.7%25.0%
Income Tax i29.01M36.78M
Income Tax % of Revenue i4.3%5.6%
Net Income (Profit) i205.10M126.01M
Profit Margin i30.4%19.3%

Balance Sheet & Liquidity Metrics

MetricOFG (2025)NWBI (2025)
Cash & Equivalents i1.04B233.65M
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 i423.17M350.38M
Long-Term Debt % of Revenue i62.7%53.7%
Total Shareholders Equity i1.39B1.89B
Retained Earnings i904.63M689.21M
Retained Earnings % of Revenue i134.0%105.7%
Property, Plant & Equipment i21.26MN/A

Cash Flow Statement Comparison

MetricOFG (2025)NWBI (2025)
Operating Cash Flow i62.78M101.16M
Operating Cash Flow % of Revenue i9.3%15.5%
Capital Expenditures i-16.96M-11.63M
Free Cash Flow i199.34M141.79M
FCF Margin i29.5%21.8%
Debt Repayment iN/A-35.38M
Common Stock Repurchase i-91.60MN/A

Short Interest & Institutional Ownership Analysis

MetricOFGNWBI
Shares Short i1.09M6.32M
Short Ratio i2.603.72
Short % of Float i3.73%5.64%
Shares Outstanding i43.26M146.11M
Float Shares i42.30M144.46M
% Held by Insiders i1.13%0.85%
% Held by Institutions i99.69%69.28%
% Held by Public i-0.82%29.87%

Dividend Analysis & Yield Comparison: OFG Bancorp vs Northwest Bancshares Inc.

MetricOFGNWBI
Last 12-Month Dividend i$1.05$0.80
Last 12-Month Dividend Yield i2.57%6.05%
3-Year Avg Annual Dividend i$0.91$0.80
3-Year Avg Dividend Yield i0.71%1.65%
3-Year Total Dividends i$2.73$2.40
Ex-Dividend DateMar 31, 2025Feb 05, 2026