OFG
OFG Bancorp
Banks - Regional
Market Cap$1.96B
5Y Perf.+274.7%
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Stock Comparison
OFG vs BPOP
Revenue, margins, valuation, and 5-year total return — side by side.
BPOP
Popular, Inc.
Banks - Regional
Market Cap$9.64B
5Y Perf.+275.7%
OFG vs BPOP — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OFG | BPOP |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $1.96B | $9.64B |
| Revenue (TTM) | $863M | $4.43B |
| Net Income (TTM) | $205M | $833M |
| Gross Margin | 71.2% | 66.1% |
| Operating Margin | 30.8% | 22.7% |
| Forward P/E | 9.7x | 9.9x |
| Total Debt | $580M | $1.58B |
| Cash & Equiv. | $1.04B | $403M |
OFG vs BPOP — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OFG
BPOP
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| OFG Bancorp (OFG) | 100 | 374.7 | +274.7% |
| Popular, Inc. (BPOP) | 100 | 375.7 | +275.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OFG vs BPOP
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OFG leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Popular, Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
OFG
OFG Bancorp
The Banking Pick
OFG carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 9 yrs, beta 0.70, yield 2.4%
- 5.2% 10Y total return vs BPOP's 478.2%
- Lower volatility, beta 0.70, Low D/E 41.8%, current ratio 0.12x
Best for: income & stability and long-term compounding
BPOP
Popular, Inc.
The Banking Pick
BPOP is the clearest fit if your priority is growth exposure.
- Rev growth 5.7%, EPS growth 43.7%
- 5.7% NII/revenue growth vs OFG's 4.8%
- +52.1% vs OFG's +13.5%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BPOP | 5.7% NII/revenue growth vs OFG's 4.8% |
| Value | OFG | Lower P/E (9.7x vs 9.9x), PEG 0.35 vs 0.62 |
| Quality / Margins | OFG | Efficiency ratio 0.4% vs BPOP's 0.4% (lower = leaner) |
| Stability / Safety | OFG | Beta 0.70 vs BPOP's 0.94 |
| Dividends | OFG | 2.4% yield, 9-year raise streak, vs BPOP's 2.0% |
| Momentum (1Y) | BPOP | +52.1% vs OFG's +13.5% |
| Efficiency (ROA) | OFG | Efficiency ratio 0.4% vs BPOP's 0.4% |
OFG vs BPOP — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2017
FY 2024
OFG vs BPOP — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOFGLAGGINGBPOP
BPOPPopular, Inc.
1leads
OFGOFG Bancorp
4leads
6 Total Categories
CATEGORYLEADERvs BPOPMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
OFG4/5
Valuation MetricsMultiples, price ratios, and targets
OFG6/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OFG7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
BPOP5/6
Risk & VolatilityBeta, volatility, and downside exposure
OFG2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
OFG leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BPOP is the larger business by revenue, generating $4.4B annually — 5.1x OFG's $863M. Profitability is closely matched — net margins range from 23.8% (OFG) to 18.8% (BPOP).
| Metric | OFGOFG Bancorp | BPOPPopular, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $863M | $4.4B |
| EBITDAEarnings before interest/tax | $285M | $1.0B |
| Net IncomeAfter-tax profit | $205M | $833M |
| Free Cash FlowCash after capex | $199M | $681M |
| Gross MarginGross profit ÷ Revenue | +71.2% | +66.1% |
| Operating MarginEBIT ÷ Revenue | +30.8% | +22.7% |
| Net MarginNet income ÷ Revenue | +23.8% | +18.8% |
| FCF MarginFCF ÷ Revenue | +23.1% | +15.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +8.3% | +40.6% |
OFG leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
OFG leads this category, winning 6 of 7 comparable metrics.
Valuation Metrics
At 10.1x trailing earnings, OFG trades at a 16% valuation discount to BPOP's 12.1x P/E. Adjusting for growth (PEG ratio), OFG offers better value at 0.37x vs BPOP's 0.76x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | OFGOFG Bancorp | BPOPPopular, Inc. |
|---|---|---|
| Market CapShares × price | $2.0B | $9.6B |
| Enterprise ValueMkt cap + debt − cash | $1.5B | $10.8B |
| Trailing P/EPrice ÷ TTM EPS | 10.14x | 12.06x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.66x | 9.94x |
| PEG RatioP/E ÷ EPS growth rate | 0.37x | 0.76x |
| EV / EBITDAEnterprise value multiple | 5.26x | 10.75x |
| Price / SalesMarket cap ÷ Revenue | 2.27x | 2.18x |
| Price / BookPrice ÷ Book value/share | 1.55x | 1.61x |
| Price / FCFMarket cap ÷ FCF | 9.84x | 14.16x |
OFG leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
OFG leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
OFG delivers a 15.2% return on equity — every $100 of shareholder capital generates $15 in annual profit, vs $14 for BPOP. BPOP carries lower financial leverage with a 0.25x debt-to-equity ratio, signaling a more conservative balance sheet compared to OFG's 0.42x. On the Piotroski fundamental quality scale (0–9), BPOP scores 7/9 vs OFG's 4/9, reflecting strong financial health.
| Metric | OFGOFG Bancorp | BPOPPopular, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +15.2% | +13.8% |
| ROA (TTM)Return on assets | +1.7% | +1.1% |
| ROICReturn on invested capital | +10.9% | +10.2% |
| ROCEReturn on capital employed | +14.4% | +14.1% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 7 |
| Debt / EquityFinancial leverage | 0.42x | 0.25x |
| Net DebtTotal debt minus cash | -$460M | $1.2B |
| Cash & Equiv.Liquid assets | $1.0B | $403M |
| Total DebtShort + long-term debt | $580M | $1.6B |
| Interest CoverageEBIT ÷ Interest expense | 1.54x | 0.81x |
OFG leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
BPOP leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BPOP five years ago would be worth $20,636 today (with dividends reinvested), compared to $20,602 for OFG. Over the past 12 months, BPOP leads with a +52.1% total return vs OFG's +13.5%. The 3-year compound annual growth rate (CAGR) favors BPOP at 40.2% vs OFG's 26.1% — a key indicator of consistent wealth creation.
| Metric | OFGOFG Bancorp | BPOPPopular, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +11.8% | +18.4% |
| 1-Year ReturnPast 12 months | +13.5% | +52.1% |
| 3-Year ReturnCumulative with dividends | +100.5% | +175.5% |
| 5-Year ReturnCumulative with dividends | +106.0% | +106.4% |
| 10-Year ReturnCumulative with dividends | +518.7% | +478.2% |
| CAGR (3Y)Annualised 3-year return | +26.1% | +40.2% |
BPOP leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
OFG leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
OFG is the less volatile stock with a 0.70 beta — it tends to amplify market swings less than BPOP's 0.94 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | OFGOFG Bancorp | BPOPPopular, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.70x | 0.94x |
| 52-Week HighHighest price in past year | $46.85 | $152.95 |
| 52-Week LowLowest price in past year | $35.71 | $97.08 |
| % of 52W HighCurrent price vs 52-week peak | +97.2% | +97.0% |
| RSI (14)Momentum oscillator 0–100 | 60.6 | 57.6 |
| Avg Volume (50D)Average daily shares traded | 300K | 506K |
OFG leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — OFG and BPOP each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates OFG as "Buy" and BPOP as "Buy". Consensus price targets imply 7.4% upside for BPOP (target: $159) vs -2.3% for OFG (target: $45). For income investors, OFG offers the higher dividend yield at 2.41% vs BPOP's 1.97%.
| Metric | OFGOFG Bancorp | BPOPPopular, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $44.50 | $159.33 |
| # AnalystsCovering analysts | 12 | 20 |
| Dividend YieldAnnual dividend ÷ price | +2.4% | +2.0% |
| Dividend StreakConsecutive years of raises | 9 | 12 |
| Dividend / ShareAnnual DPS | $1.10 | $2.92 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.7% | +5.2% |
Evenly matched — OFG and BPOP each lead in 1 of 2 comparable metrics.
Key Takeaway
OFG leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). BPOP leads in 1 (Total Returns). 1 tied.
Best OverallOFG Bancorp (OFG)Leads 4 of 6 categories
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OFG vs BPOP: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is OFG or BPOP a better buy right now?
For growth investors, Popular, Inc.
(BPOP) is the stronger pick with 5. 7% revenue growth year-over-year, versus 4. 8% for OFG Bancorp (OFG). OFG Bancorp (OFG) offers the better valuation at 10. 1x trailing P/E (9. 7x forward), making it the more compelling value choice. Analysts rate OFG Bancorp (OFG) a "Buy" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — OFG or BPOP?
On trailing P/E, OFG Bancorp (OFG) is the cheapest at 10.
1x versus Popular, Inc. at 12. 1x. On forward P/E, OFG Bancorp is actually cheaper at 9. 7x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: OFG Bancorp wins at 0. 35x versus Popular, Inc. 's 0. 62x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — OFG or BPOP?
Over the past 5 years, Popular, Inc.
(BPOP) delivered a total return of +106. 4%, compared to +106. 0% for OFG Bancorp (OFG). Over 10 years, the gap is even starker: OFG returned +518. 7% versus BPOP's +478. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — OFG or BPOP?
By beta (market sensitivity over 5 years), OFG Bancorp (OFG) is the lower-risk stock at 0.
70β versus Popular, Inc. 's 0. 94β — meaning BPOP is approximately 34% more volatile than OFG relative to the S&P 500. On balance sheet safety, Popular, Inc. (BPOP) carries a lower debt/equity ratio of 25% versus 42% for OFG Bancorp — giving it more financial flexibility in a downturn.
05Which is growing faster — OFG or BPOP?
By revenue growth (latest reported year), Popular, Inc.
(BPOP) is pulling ahead at 5. 7% versus 4. 8% for OFG Bancorp (OFG). On earnings-per-share growth, the picture is similar: Popular, Inc. grew EPS 43. 7% year-over-year, compared to 6. 1% for OFG Bancorp. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — OFG or BPOP?
OFG Bancorp (OFG) is the more profitable company, earning 23.
8% net margin versus 18. 8% for Popular, Inc. — meaning it keeps 23. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OFG leads at 30. 8% versus 22. 7% for BPOP. At the gross margin level — before operating expenses — OFG leads at 71. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is OFG or BPOP more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, OFG Bancorp (OFG) is the more undervalued stock at a PEG of 0. 35x versus Popular, Inc. 's 0. 62x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, OFG Bancorp (OFG) trades at 9. 7x forward P/E versus 9. 9x for Popular, Inc. — 0. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BPOP: 7. 4% to $159. 33.
08Which pays a better dividend — OFG or BPOP?
All stocks in this comparison pay dividends.
OFG Bancorp (OFG) offers the highest yield at 2. 4%, versus 2. 0% for Popular, Inc. (BPOP).
09Is OFG or BPOP better for a retirement portfolio?
For long-horizon retirement investors, OFG Bancorp (OFG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
70), 2. 4% yield, +518. 7% 10Y return). Both have compounded well over 10 years (OFG: +518. 7%, BPOP: +478. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between OFG and BPOP?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(OFG: 4.8% · BPOP: 5.7%)Net Margin>
%
(OFG: 23.8% · BPOP: 18.8%)P/E Ratio<
x
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