First BanCorp vs OFG Bancorp
FBP 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 FBP and OFG compare
First BanCorp is the larger company, worth 1.8 times as much as OFG Bancorp ($4.0B against $2.2B).
On earnings, OFG Bancorp is cheaper: it trades at 9.8× trailing earnings, against 11.0× for First BanCorp.
OFG Bancorp grew revenue faster over the last twelve months (2.3% versus 1.7% for First BanCorp).
OFG Bancorp keeps more of each dollar of sales as profit, with a net margin of 30.2% compared with 28.4% at First BanCorp.
Both pay dividends: First BanCorp yields 2.3% and OFG Bancorp 2.0%.
First BanCorp scores higher on the StockData Score (18 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 | FBP | OFG |
|---|---|---|
| Size and price | ||
| Market cap | $4.0B | $2.2B |
| Share price | $26.16 | $51.69 |
| Change, 1 year | 28.1% | 26.8% |
| Change, 5 years | 82.8% | 94.3% |
| Beta (5Y) | 0.85 | 0.69 |
| Employees | 3,218 | 2,185 |
| StockData Score | ||
| Total score | 18 (better) | 14 |
| Valuation score | 2 | 2 |
| Growth score | 1 | 1 |
| Performance score | 5 (better) | 4 |
| Health score | 6 (better) | 4 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 11.0× | 9.8× (better) |
| P/S | 3.1× | 2.9× (better) |
| P/B | 2.1× | 1.6× (better) |
| P/FCF | 9.8× | 8.7× (better) |
| PEG | 1.04 | 0.98 (better) |
| FCF yield | 10.2% | 11.5% (better) |
| Fair value | $22.94 | $49.43 |
| Margin of safety | −14.0% | −4.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 1.7% | 2.3% (better) |
| Revenue growth, 5Y average | 9.3% | – |
| Net income growth (TTM) | 10.4% | 12.9% (better) |
| EPS growth (TTM) | 15.0% | 19.3% (better) |
| EPS growth, 5Y average | 36.1% (better) | 28.3% |
| Profitability | ||
| Net margin | 28.4% | 30.2% (better) |
| FCF margin | 31.5% | 33.5% (better) |
| Return on equity | 19.4% (better) | 16.6% |
| Financial health | ||
| Debt / equity | 0.01 | – |
| Altman Z-score | 0.38 (better) | 0.30 |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.3% (better) | 2.0% |
| Payout ratio | 32.9% | 24.9% |
| Years of dividend growth | 8 (better) | 0 |
| Dividend growth, 5Y average | 29.2% (better) | 1.4% |
| Buyback yield | 5.1% (better) | 4.5% |
| Shareholder yield | 7.4% (better) | 6.5% |
| Ownership | ||
| Held by institutions | 96.7% | 97.8% |
| Held by insiders | 2.5% | 0.96% |
| Insider net buying, 12 months | −$2.4M (better) | −$3.7M |
| Short interest, % of float | 4.6% | 4.6% |
Go deeper
- FBP stock overview
- FBP income statement
- FBP 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.