First Bancorp (FBNC) Competitors

First Bancorp (NASDAQ:FBNC) and OFG Bancorp (NYSE:OFG) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, risk, valuation, community ranking, media sentiment, analyst recommendations, profitability, institutional ownership and earnings.

Do insiders and institutionals have more ownership in FBNC or OFG?

68.4% of First Bancorp shares are owned by institutional investors. Comparatively, 92.7% of OFG Bancorp shares are owned by institutional investors. 3.7% of First Bancorp shares are owned by company insiders. Comparatively, 3.1% of OFG Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Does the media favor FBNC or OFG?

In the previous week, First Bancorp had 1 more articles in the media than OFG Bancorp. MarketBeat recorded 2 mentions for First Bancorp and 1 mentions for OFG Bancorp. OFG Bancorp's average media sentiment score of 1.54 beat First Bancorp's score of 1.43 indicating that OFG Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
First Bancorp	Positive
OFG Bancorp	Very Positive

Which has better valuation and earnings, FBNC or OFG?

OFG Bancorp has higher revenue and earnings than First Bancorp. OFG Bancorp is trading at a lower price-to-earnings ratio than First Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Bancorp	$546.25M	3.53	$104.13M	$2.48	18.80
OFG Bancorp	$770.73M	2.65	$181.87M	$4.11	10.85

Does the MarketBeat Community believe in FBNC or OFG?

First Bancorp received 115 more outperform votes than OFG Bancorp when rated by MarketBeat users. However, 65.46% of users gave OFG Bancorp an outperform vote while only 62.60% of users gave First Bancorp an outperform vote.

Company	Underperform	Outperform
First Bancorp	Outperform Votes 405 62.60%	Underperform Votes 242 37.40%
OFG Bancorp	Outperform Votes 290 65.46%	Underperform Votes 153 34.54%

Is FBNC or OFG more profitable?

OFG Bancorp has a net margin of 22.68% compared to First Bancorp's net margin of 17.98%. OFG Bancorp's return on equity of 15.69% beat First Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Bancorp	17.98%	8.00%	0.93%
OFG Bancorp	22.68%	15.69%	1.72%

Is FBNC or OFG a better dividend stock?

First Bancorp pays an annual dividend of $0.88 per share and has a dividend yield of 1.9%. OFG Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 2.2%. First Bancorp pays out 35.5% of its earnings in the form of a dividend. OFG Bancorp pays out 24.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. OFG Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has more volatility and risk, FBNC or OFG?

First Bancorp has a beta of 1.02, meaning that its share price is 2% more volatile than the S&P 500. Comparatively, OFG Bancorp has a beta of 1, meaning that its share price has a similar volatility profile to the S&P 500.

Do analysts rate FBNC or OFG?

First Bancorp currently has a consensus price target of $45.00, suggesting a potential downside of 3.50%. OFG Bancorp has a consensus price target of $48.67, suggesting a potential upside of 9.17%. Given OFG Bancorp's higher probable upside, analysts plainly believe OFG Bancorp is more favorable than First Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Bancorp	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
OFG Bancorp	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00

Summary

OFG Bancorp beats First Bancorp on 13 of the 19 factors compared between the two stocks.