OFG
OFG Bancorp
Banks - Regional
Market Cap$1.96B
5Y Perf.+274.7%
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Stock Comparison
OFG vs NBTB
Revenue, margins, valuation, and 5-year total return — side by side.
NBTB
NBT Bancorp Inc.
Banks - Regional
Market Cap$2.33B
5Y Perf.+42.7%
OFG vs NBTB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OFG | NBTB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $1.96B | $2.33B |
| Revenue (TTM) | $863M | $867M |
| Net Income (TTM) | $205M | $169M |
| Gross Margin | 71.2% | 72.1% |
| Operating Margin | 30.8% | 25.3% |
| Forward P/E | 9.7x | 10.7x |
| Total Debt | $580M | $327M |
| Cash & Equiv. | $1.04B | $185M |
OFG vs NBTB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OFG
NBTB
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| OFG Bancorp (OFG) | 100 | 374.7 | +274.7% |
| NBT Bancorp Inc. (NBTB) | 100 | 142.7 | +42.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OFG vs NBTB
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. NBT Bancorp Inc. is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. 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 long-term compounding and sleep-well-at-night.
- 5.2% 10Y total return vs NBTB's 103.4%
- Lower volatility, beta 0.70, Low D/E 41.8%, current ratio 0.12x
- PEG 0.35 vs NBTB's 1.52
Best for: long-term compounding and sleep-well-at-night
NBTB
NBT Bancorp Inc.
The Banking Pick
NBTB is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 12 yrs, beta 0.89, yield 3.2%
- Rev growth 10.4%, EPS growth 12.5%
- Beta 0.89, yield 3.2%, current ratio 1.60x
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | NBTB | 10.4% NII/revenue growth vs OFG's 4.8% |
| Value | OFG | Lower P/E (9.7x vs 10.7x), PEG 0.35 vs 1.52 |
| Quality / Margins | OFG | Efficiency ratio 0.4% vs NBTB's 0.5% (lower = leaner) |
| Stability / Safety | OFG | Beta 0.70 vs NBTB's 0.89 |
| Dividends | NBTB | 3.2% yield, 12-year raise streak, vs OFG's 2.4% |
| Momentum (1Y) | OFG | +13.5% vs NBTB's +7.1% |
| Efficiency (ROA) | OFG | Efficiency ratio 0.4% vs NBTB's 0.5% |
OFG vs NBTB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2017
FY 2025
OFG vs NBTB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOFGLAGGINGNBTB
NBTBNBT Bancorp Inc.
2leads
OFGOFG Bancorp
4leads
6 Total Categories
CATEGORYLEADERvs NBTBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NBTB3/5
Valuation MetricsMultiples, price ratios, and targets
OFG6/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OFG6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
OFG6/6
Risk & VolatilityBeta, volatility, and downside exposure
OFG2/2
Analyst OutlookRatings, price targets, and dividends
NBTB2/2
Income & Cash Flow (Last 12 Months)
NBTB leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NBTB and OFG operate at a comparable scale, with $867M and $863M in trailing revenue. Profitability is closely matched — net margins range from 23.8% (OFG) to 19.5% (NBTB).
| Metric | OFGOFG Bancorp | NBTBNBT Bancorp Inc. |
|---|---|---|
| RevenueTrailing 12 months | $863M | $867M |
| EBITDAEarnings before interest/tax | $285M | $241M |
| Net IncomeAfter-tax profit | $205M | $169M |
| Free Cash FlowCash after capex | $199M | $225M |
| Gross MarginGross profit ÷ Revenue | +71.2% | +72.1% |
| Operating MarginEBIT ÷ Revenue | +30.8% | +25.3% |
| Net MarginNet income ÷ Revenue | +23.8% | +19.5% |
| FCF MarginFCF ÷ Revenue | +23.1% | +25.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +8.3% | +39.5% |
NBTB leads this category, winning 3 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 24% valuation discount to NBTB's 13.4x P/E. Adjusting for growth (PEG ratio), OFG offers better value at 0.37x vs NBTB's 1.91x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | OFGOFG Bancorp | NBTBNBT Bancorp Inc. |
|---|---|---|
| Market CapShares × price | $2.0B | $2.3B |
| Enterprise ValueMkt cap + debt − cash | $1.5B | $2.5B |
| Trailing P/EPrice ÷ TTM EPS | 10.14x | 13.42x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.66x | 10.71x |
| PEG RatioP/E ÷ EPS growth rate | 0.37x | 1.91x |
| EV / EBITDAEnterprise value multiple | 5.26x | 10.27x |
| Price / SalesMarket cap ÷ Revenue | 2.27x | 2.69x |
| Price / BookPrice ÷ Book value/share | 1.55x | 1.20x |
| Price / FCFMarket cap ÷ FCF | 9.84x | 10.66x |
OFG leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
OFG leads this category, winning 6 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 $10 for NBTB. NBTB carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to OFG's 0.42x. On the Piotroski fundamental quality scale (0–9), NBTB scores 7/9 vs OFG's 4/9, reflecting strong financial health.
| Metric | OFGOFG Bancorp | NBTBNBT Bancorp Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +15.2% | +9.5% |
| ROA (TTM)Return on assets | +1.7% | +1.1% |
| ROICReturn on invested capital | +10.9% | +7.9% |
| ROCEReturn on capital employed | +14.4% | +2.4% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 7 |
| Debt / EquityFinancial leverage | 0.42x | 0.17x |
| Net DebtTotal debt minus cash | -$460M | $142M |
| Cash & Equiv.Liquid assets | $1.0B | $185M |
| Total DebtShort + long-term debt | $580M | $327M |
| Interest CoverageEBIT ÷ Interest expense | 1.54x | 1.05x |
OFG leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
OFG leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in OFG five years ago would be worth $20,602 today (with dividends reinvested), compared to $13,139 for NBTB. Over the past 12 months, OFG leads with a +13.5% total return vs NBTB's +7.1%. The 3-year compound annual growth rate (CAGR) favors OFG at 26.1% vs NBTB's 15.4% — a key indicator of consistent wealth creation.
| Metric | OFGOFG Bancorp | NBTBNBT Bancorp Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +11.8% | +8.3% |
| 1-Year ReturnPast 12 months | +13.5% | +7.1% |
| 3-Year ReturnCumulative with dividends | +100.5% | +53.6% |
| 5-Year ReturnCumulative with dividends | +106.0% | +31.4% |
| 10-Year ReturnCumulative with dividends | +518.7% | +103.4% |
| CAGR (3Y)Annualised 3-year return | +26.1% | +15.4% |
OFG leads this category, winning 6 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 NBTB's 0.89 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | OFGOFG Bancorp | NBTBNBT Bancorp Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.70x | 0.89x |
| 52-Week HighHighest price in past year | $46.85 | $46.92 |
| 52-Week LowLowest price in past year | $35.71 | $39.20 |
| % of 52W HighCurrent price vs 52-week peak | +97.2% | +95.2% |
| RSI (14)Momentum oscillator 0–100 | 60.6 | 50.0 |
| Avg Volume (50D)Average daily shares traded | 300K | 232K |
OFG leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
NBTB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates OFG as "Buy" and NBTB as "Hold". Consensus price targets imply 2.9% upside for NBTB (target: $46) vs -2.3% for OFG (target: $45). For income investors, NBTB offers the higher dividend yield at 3.19% vs OFG's 2.41%.
| Metric | OFGOFG Bancorp | NBTBNBT Bancorp Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $44.50 | $46.00 |
| # AnalystsCovering analysts | 12 | 10 |
| Dividend YieldAnnual dividend ÷ price | +2.4% | +3.2% |
| Dividend StreakConsecutive years of raises | 9 | 12 |
| Dividend / ShareAnnual DPS | $1.10 | $1.43 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.7% | +0.4% |
NBTB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
OFG leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). NBTB leads in 2 (Income & Cash Flow, Analyst Outlook).
Best OverallOFG Bancorp (OFG)Leads 4 of 6 categories
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OFG vs NBTB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is OFG or NBTB a better buy right now?
For growth investors, NBT Bancorp Inc.
(NBTB) is the stronger pick with 10. 4% 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 NBTB?
On trailing P/E, OFG Bancorp (OFG) is the cheapest at 10.
1x versus NBT Bancorp Inc. at 13. 4x. 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 NBT Bancorp Inc. 's 1. 52x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — OFG or NBTB?
Over the past 5 years, OFG Bancorp (OFG) delivered a total return of +106.
0%, compared to +31. 4% for NBT Bancorp Inc. (NBTB). Over 10 years, the gap is even starker: OFG returned +518. 7% versus NBTB's +103. 4%. 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 NBTB?
By beta (market sensitivity over 5 years), OFG Bancorp (OFG) is the lower-risk stock at 0.
70β versus NBT Bancorp Inc. 's 0. 89β — meaning NBTB is approximately 27% more volatile than OFG relative to the S&P 500. On balance sheet safety, NBT Bancorp Inc. (NBTB) carries a lower debt/equity ratio of 17% versus 42% for OFG Bancorp — giving it more financial flexibility in a downturn.
05Which is growing faster — OFG or NBTB?
By revenue growth (latest reported year), NBT Bancorp Inc.
(NBTB) is pulling ahead at 10. 4% versus 4. 8% for OFG Bancorp (OFG). On earnings-per-share growth, the picture is similar: NBT Bancorp Inc. grew EPS 12. 5% 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 NBTB?
OFG Bancorp (OFG) is the more profitable company, earning 23.
8% net margin versus 19. 5% for NBT Bancorp 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 25. 3% for NBTB. At the gross margin level — before operating expenses — NBTB leads at 72. 1%, 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 NBTB 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 NBT Bancorp Inc. 's 1. 52x. 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 10. 7x for NBT Bancorp Inc. — 1. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NBTB: 2. 9% to $46. 00.
08Which pays a better dividend — OFG or NBTB?
All stocks in this comparison pay dividends.
NBT Bancorp Inc. (NBTB) offers the highest yield at 3. 2%, versus 2. 4% for OFG Bancorp (OFG).
09Is OFG or NBTB 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%, NBTB: +103. 4%), 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 NBTB?
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% · NBTB: 10.4%)Net Margin>
%
(OFG: 23.8% · NBTB: 19.5%)P/E Ratio<
x
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