OFG Bancorp (OFG) Competitors

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

Do analysts prefer UMBF or OFG?

UMB Financial currently has a consensus target price of $128.71, indicating a potential upside of 21.88%. OFG Bancorp has a consensus target price of $50.25, indicating a potential upside of 21.11%. Given UMB Financial's higher possible upside, research analysts plainly believe UMB Financial is more favorable than OFG Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
UMB Financial	0 Sell rating(s)	3 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.57
OFG Bancorp	0 Sell rating(s)	0 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	3.00

Is UMBF or OFG a better dividend stock?

UMB Financial pays an annual dividend of $1.60 per share and has a dividend yield of 1.5%. OFG Bancorp pays an annual dividend of $1.20 per share and has a dividend yield of 2.9%. UMB Financial pays out 17.8% of its earnings in the form of a dividend. OFG Bancorp pays out 28.4% 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. UMB Financial has increased its dividend for 32 consecutive years.

Is UMBF or OFG more profitable?

OFG Bancorp has a net margin of 22.71% compared to UMB Financial's net margin of 15.76%. OFG Bancorp's return on equity of 15.80% beat UMB Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
UMB Financial	15.76%	13.73%	0.98%
OFG Bancorp	22.71%	15.80%	1.75%

Does the MarketBeat Community believe in UMBF or OFG?

OFG Bancorp received 22 more outperform votes than UMB Financial when rated by MarketBeat users. Likewise, 65.85% of users gave OFG Bancorp an outperform vote while only 46.59% of users gave UMB Financial an outperform vote.

Company	Underperform	Outperform
UMB Financial	Outperform Votes 273 46.59%	Underperform Votes 313 53.41%
OFG Bancorp	Outperform Votes 295 65.85%	Underperform Votes 153 34.15%

Does the media favor UMBF or OFG?

In the previous week, UMB Financial had 5 more articles in the media than OFG Bancorp. MarketBeat recorded 9 mentions for UMB Financial and 4 mentions for OFG Bancorp. UMB Financial's average media sentiment score of 1.73 beat OFG Bancorp's score of 1.60 indicating that UMB Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
UMB Financial	9 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
OFG Bancorp	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Which has stronger valuation and earnings, UMBF or OFG?

UMB Financial has higher revenue and earnings than OFG Bancorp. OFG Bancorp is trading at a lower price-to-earnings ratio than UMB Financial, 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
UMB Financial	$1.47B	5.23	$441.24M	$8.99	11.75
OFG Bancorp	$660.94M	2.85	$198.17M	$4.22	9.83

Do insiders & institutionals hold more shares of UMBF or OFG?

87.8% of UMB Financial shares are held by institutional investors. Comparatively, 92.7% of OFG Bancorp shares are held by institutional investors. 8.9% of UMB Financial shares are held by insiders. Comparatively, 3.1% of OFG Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Which has more risk and volatility, UMBF or OFG?

UMB Financial has a beta of 0.79, suggesting that its stock price is 21% less volatile than the S&P 500. Comparatively, OFG Bancorp has a beta of 0.96, suggesting that its stock price is 4% less volatile than the S&P 500.

Summary

UMB Financial beats OFG Bancorp on 11 of the 20 factors compared between the two stocks.