First Bancorp vs OFG Bancorp
FBNC and OFG side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FBNC and OFG compare
First Bancorp is the larger company, worth 1.2 times as much as OFG Bancorp ($2.7B against $2.2B).
On earnings, OFG Bancorp is cheaper: it trades at 9.8× trailing earnings, against 16.2× for First Bancorp.
First Bancorp grew revenue faster over the last twelve months (24.6% versus 2.3% for OFG Bancorp).
First Bancorp keeps more of each dollar of sales as profit, with a net margin of 35.4% compared with 30.2% at OFG Bancorp.
Both pay dividends: First Bancorp yields 1.5% and OFG Bancorp 2.0%.
First Bancorp scores higher on the StockData Score (15 against 14 for OFG Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FBNC | OFG |
|---|---|---|
| Size and price | ||
| Market cap | $2.7B | $2.2B |
| Share price | $64.50 | $51.69 |
| Change, 1 year | 27.0% | 26.8% |
| Change, 5 years | 34.6% | 94.3% |
| Beta (5Y) | 0.76 | 0.69 |
| Employees | 42 | 2,185 |
| StockData Score | ||
| Total score | 15 (better) | 14 |
| Valuation score | 0 | 2 (better) |
| Growth score | 3 (better) | 1 |
| Performance score | 3 | 4 (better) |
| Health score | 5 (better) | 4 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 16.2× | 9.8× (better) |
| P/S | 5.8× | 2.9× (better) |
| P/B | 1.6× (better) | 1.6× |
| P/FCF | 9.6× | 8.7× (better) |
| PEG | – | 0.98 |
| FCF yield | 10.4% | 11.5% (better) |
| Fair value | $51.99 | $49.43 |
| Margin of safety | −24.1% | −4.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 24.6% (better) | 2.3% |
| Revenue growth, 5Y average | −25.7% | – |
| Net income growth (TTM) | 66.0% (better) | 12.9% |
| EPS growth (TTM) | 66.1% (better) | 19.3% |
| EPS growth, 5Y average | −0.94% | 28.3% (better) |
| Profitability | ||
| Net margin | 35.4% (better) | 30.2% |
| FCF margin | 59.7% (better) | 33.5% |
| Return on equity | 9.9% | 16.6% (better) |
| Financial health | ||
| Altman Z-score | 0.28 | 0.30 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.5% | 2.0% (better) |
| Payout ratio | 23.7% | 24.9% |
| Years of dividend growth | 1 (better) | 0 |
| Dividend growth, 5Y average | 4.8% (better) | 1.4% |
| Buyback yield | 0.27% | 4.5% (better) |
| Shareholder yield | 1.7% | 6.5% (better) |
| Ownership | ||
| Held by institutions | 82.6% | 97.8% |
| Held by insiders | 1.3% | 0.96% |
| Insider net buying, 12 months | −$4.9M | −$3.7M (better) |
| Short interest, % of float | 5.1% | 4.6% |
Go deeper
- FBNC stock overview
- FBNC income statement
- FBNC valuation and score
- OFG stock overview
- OFG income statement
- OFG valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.