OFG vs MBIN

Comparison between OFG Bancorp (OFG, Company) and Merchants Bancorp (MBIN, Company).

Both OFG and MBIN are from the Financial Services sector.

5-Year PerformanceOFG has outperformed MBIN, delivering a return of +22.3% compared to +13.6%

OFG vs MBIN - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	OFG(COMPANY)	MBIN(COMPANY)
Market Cap	$2.20B	$2.21B
Max Drawdown	97.22%	54.94%
Sharpe Ratio	0.74	0.92
5Y Beta	0.82	0.90
Industry	Banks - Regional	Banks - Regional
P/E Ratio	10.62	9.68
Forward P/E	7.39	N/A
PEG Ratio	0.67	N/A
Dividend Yield	2.50%	0.85%
5Y Dividends CAGR	39.77%	13.14%
5Y EPS CAGR	19.60%	-0.32%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	8.62%	-49.84%
P/S Ratio	3.47	3.72
P/B Ratio	1.64	1.24

Market Cap

OFG

$2.20B

Winner

MBIN

$2.21B

Max Drawdown

OFG

97.22%

Winner

MBIN

54.94%

Sharpe Ratio

OFG

0.74

Winner

MBIN

0.92

5Y Beta

Winner

OFG

0.82

MBIN

0.90

Industry

OFG

Banks - Regional

MBIN

Banks - Regional

P/E Ratio

OFG

10.62

Winner

MBIN

9.68

Forward P/E

OFG

7.39

MBIN

N/A

PEG Ratio

OFG

0.67

MBIN

N/A

Dividend Yield

Winner

OFG

2.50%

MBIN

0.85%

5Y Dividends CAGR

Winner

OFG

39.77%

MBIN

13.14%

5Y EPS CAGR

Winner

OFG

19.60%

MBIN

-0.32%

Debt to Equity

OFG

0.00%

MBIN

0.00%

Free Cash Flow Yield

Winner

OFG

8.62%

MBIN

-49.84%

P/S Ratio

Winner

OFG

3.47

MBIN

3.72

P/B Ratio

OFG

1.64

Winner

MBIN

1.24

OFG vs MBIN - Historical Returns

Returns include dividend reinvestment.

Period	OFG	MBIN
1 month	+9.98%	-6.40%
3 months	+14.59%	-5.91%
6 months	+43.42%	+34.53%
1 year	+21.39%	+32.80%
5 years(CAGR)	+22.35%	+13.63%
10 years(CAGR)	+20.43%	+19.12%
Max(CAGR)	+7.06%	+19.12%

Winner

OFG

+9.98%

MBIN

-6.40%

Winner

OFG

+14.59%

MBIN

-5.91%

Winner

OFG

+43.42%

MBIN

+34.53%

OFG

+21.39%

Winner

MBIN

+32.80%

5Y(CAGR)

Winner

OFG

+22.35%

MBIN

+13.63%

10Y(CAGR)

Winner

OFG

+20.43%

MBIN

+19.12%

Max(CAGR)

OFG

+7.06%

Winner

MBIN

+19.12%

OFG vs MBIN - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	OFG	MBIN
2026	+29.89%	+41.34%
2025	+1.37%	-4.28%
2024	+17.55%	-11.59%
2023	+39.64%	+78.46%
2022	+3.41%	-21.45%
2021	+52.69%	+71.57%
2020	-19.44%	+45.19%
2019	+43.78%	-0.29%
2018	+87.22%	+0.99%
2017	-27.84%	+17.42%
2016	+85.27%	N/A
2015	-54.20%	N/A
2014	-1.05%	N/A
2013	+26.70%	N/A
2012	+12.08%	N/A
2011	-1.06%	N/A
2010	+22.02%	N/A
2009	+80.82%	N/A
2008	-52.12%	N/A
2007	+8.97%	N/A
2006	+8.98%	N/A
2005	-53.92%	N/A
2004	+12.35%	N/A
2003	+31.13%	N/A
2002	+52.80%	N/A
2001	+46.14%	N/A
2000	-38.40%	N/A
1999	-5.89%	N/A

OFG vs MBIN Drawdown Comparison

The maximum drawdown for OFG was -96.64%, occurring on Mar 5, 2009. Recovery took 3829 trading sessions.

The maximum drawdown for MBIN was -53.74%, occurring on Apr 15, 2020. Recovery took 608 trading sessions.

The current OFG drawdown is -0.85%. The current MBIN drawdown is -9.38%.

Rank	OFG	MBIN
#1	-96.64% Apr 1, 2004 - Jun 19, 2019	-53.74% Jun 20, 2018 - Nov 17, 2020
#2	-61.25% Jul 9, 2019 - Apr 5, 2021	-43.94% Jul 26, 2024 - Aug 1, 2025
#3	-54.84% Feb 9, 2000 - Mar 26, 2002	-33.58% Jan 14, 2022 - Nov 15, 2023
#4	-24.56% Nov 25, 2024 - Apr 22, 2026	-22.34% May 6, 2021 - Nov 1, 2021
#5	-23.71% Feb 28, 2023 - Jul 18, 2023	-17.90% May 13, 2024 - Jul 16, 2024
#6	-21.20% Jun 28, 2002 - Nov 20, 2002	-17.73% Jan 30, 2024 - May 3, 2024
#7	-20.00% May 17, 2021 - Sep 27, 2021	-12.34% Mar 12, 2021 - May 4, 2021
#8	-17.69% Jan 14, 2022 - Feb 23, 2023	-12.09% Mar 26, 2018 - May 2, 2018
#9	-17.48% Nov 4, 1999 - Feb 8, 2000	-10.62% Nov 23, 2021 - Jan 7, 2022
#10	-16.34% Jul 23, 2024 - Nov 25, 2024	-8.47% Jan 23, 2018 - Mar 5, 2018
#11	-15.94% Jul 24, 2023 - Nov 15, 2023	-7.48% Dec 27, 2023 - Jan 24, 2024
#12	-13.53% Jul 14, 2003 - Nov 24, 2003	-6.88% Dec 17, 2020 - Jan 6, 2021
#13	-12.77% Nov 5, 2021 - Jan 3, 2022	-6.46% Jan 12, 2021 - Feb 1, 2021
#14	-12.75% Jan 30, 2024 - Jul 11, 2024	-6.21% Dec 12, 2017 - Jan 12, 2018
#15	-11.30% Dec 22, 2003 - Feb 23, 2004	-5.68% Nov 17, 2020 - Dec 10, 2020

Correlation

Correlation between OFG and MBIN is 0.92 which considered as a very strong positive correlation - the stocks move almost identically together.

0.92

-101

Dividend Comparison (2000 - 2026)

OFG vs MBIN dividend yield comparison.

Year	OFG	MBIN
2026	1.33%	0.47%
2025	2.93%	1.17%
2024	2.36%	0.99%
2023	2.35%	0.75%
2022	2.54%	1.15%
2021	1.51%	0.76%
2020	1.51%	1.16%
2019	1.19%	1.42%
2018	1.52%	1.20%
2017	2.55%	0.25%
2016	1.83%	0.00%
2015	4.92%	0.00%
2014	2.04%	0.00%
2013	1.50%	0.00%
2012	1.80%	0.00%
2011	1.73%	0.00%
2010	1.68%	0.00%
2009	1.48%	0.00%
2008	9.26%	0.00%
2007	4.18%	0.00%
2006	4.32%	0.00%
2005	4.53%	0.00%
2004	2.03%	0.00%
2003	2.23%	0.00%
2002	2.40%	0.00%
2001	3.23%	0.00%
2000	2.25%	0.00%