MBIN vs OFG: stock comparison and AI forecast
Merchants Bancorp (MBIN) and Ofg Bancorp (OFG) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
MBIN Merchants Bancorp
- Price
- $51.76 +10.6% · 6M
- Market Cap
- $2.38B
- P/E Ratio
- 7.4x
- Size
- mid-cap
- AI Forecast
OFG Ofg Bancorp
- Price
- $50.82 +11.4% · 6M
- Market Cap
- $2.15B
- P/E Ratio
- 9.7x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- MBIN is 1.1 times larger than OFG by market capitalization ($2.38B against $2.15B).
- MBIN trades at 7.4 times trailing earnings, OFG at 9.7 times.
- Over the last six months OFG returned +11.4% and MBIN +10.6%.
- MBIN turns 45.4% of its revenue into net income, against 34.1% for OFG.
- OFG carries 8.08 times debt per unit of equity, against 7.41 times for MBIN.
- OFG yields 2.62% in dividends and MBIN 2.56%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | MBIN | OFG |
|---|---|---|
| Market Cap | $2.38B | $2.15B |
| P/E Ratio | 7.39x | 9.68x |
| P/B Ratio | 0.96x | 1.61x |
| Dividend Yield | 2.56% | 2.62% |
| EPS | $7.00 | $5.25 |
| Book Value/Share | $54.06 | $31.63 |
| Revenue/Share | $15.31 | $15.65 |
| FCF/Share | $-3.75 | $5.92 |
Profitability & Margins
| Metric | MBIN | OFG |
|---|---|---|
| ROE | 12.8% | 16.9% |
| ROA | 1.5% | 1.9% |
| Net Margin | 45.4% | 34.1% |
| EBT Margin | 55.6% | 39.7% |
| Tax Rate | 18.5% | 14.2% |
Financial Health
| Metric | MBIN | OFG |
|---|---|---|
| D/E Ratio | 7.41x | 8.08x |
| Financial Leverage | 8.41x | 9.08x |
Cash Flow
| Metric | MBIN | OFG |
|---|---|---|
| Operating Cash Flow | -$163M | $274M |
| Free Cash Flow | -$172M | $250M |
| Capital Spending | -$9M | -$24M |
| OCF Growth YoY | -450.3% | 39.3% |
| FCF Growth YoY | -841.4% | 38.9% |
| FCF/Sales | -24.5% | 37.9% |
| CapEx/Sales | 1.3% | 3.6% |
Operational Efficiency
| Metric | MBIN | OFG |
|---|---|---|
| Asset Turnover | 0.03x | 0.05x |
| Fixed Assets Turnover | 9.2x | 6.8x |
Income Statement
| Metric | MBIN | OFG |
|---|---|---|
| Total Revenue | $703M | $661M |
| Net Income | $319M | $225M |
Dividend & Shareholder Information
| Metric | MBIN | OFG |
|---|---|---|
| Dividends Per Share | $1.32 | $1.33 |
| Payout Ratio | 18.9% | 25.3% |
| Shares Outstanding | 46M | 42M |
| Net Income Growth | 29.4% | 12.9% |
| EPS Growth | 105.3% | 19.1% |
MBIN vs OFG: stock comparison and AI forecast
Which is bigger, MBIN or OFG?
MBIN is 1.1 times larger than OFG by market capitalization ($2.38B against $2.15B).
Which is cheaper on earnings, MBIN or OFG?
MBIN trades at 7.4 times trailing earnings, OFG at 9.7 times.
Which stock performed better over the last six months, MBIN or OFG?
Over the last six months OFG returned +11.4% and MBIN +10.6%.
Which one does Intratio's AI model rank higher, MBIN or OFG?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.