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Side-by-side financial comparison of BJs RESTAURANTS INC (BJRI) and OFG BANCORP (OFG). Click either name above to swap in a different company.
BJs RESTAURANTS INC is the larger business by last-quarter revenue ($355.4M vs $184.3M, roughly 1.9× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs 3.6%, a 26.8% gap on every dollar of revenue. On growth, BJs RESTAURANTS INC posted the faster year-over-year revenue change (3.2% vs 0.9%). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs 2.6%).
BJ's Restaurants Inc. operates a chain of casual dining restaurants across the United States. Its menu features signature deep-dish pizzas, craft beers, handcrafted cocktails, and a wide range of American comfort food. The brand primarily serves family groups, friend gatherings, and casual diners seeking affordable, high-quality meals in a relaxed, welcoming in-store environment.
OFG Bancorp, founded in 1964, is the financial holding company for Oriental Bank, located in San Juan, Puerto Rico. OFG offers a wide range of retail and commercial banking, lending and wealth management products, services and technology, primarily in Puerto Rico and the U.S. Virgin Islands through its principal subsidiaries: Oriental Bank, Oriental Financial Services LLC, and Oriental Insurance LLC. Its headquarters are located at Oriental Center, 254 Muñoz Rivera Avenue, San Juan, PR 00918....
BJRI vs OFG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $355.4M | $184.3M |
| Net Profit | $12.6M | $55.9M |
| Gross Margin | 74.5% | — |
| Operating Margin | 3.1% | 25.7% |
| Net Margin | 3.6% | 30.3% |
| Revenue YoY | 3.2% | 0.9% |
| Net Profit YoY | -24.2% | 11.0% |
| EPS (diluted) | $0.58 | $1.27 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $355.4M | $184.3M | ||
| Q3 25 | $365.6M | $186.2M | ||
| Q2 25 | $348.0M | $182.4M | ||
| Q1 25 | — | $178.6M | ||
| Q4 24 | $325.7M | $182.7M | ||
| Q3 24 | $349.9M | $174.7M | ||
| Q2 24 | $337.3M | $179.8M | ||
| Q1 24 | — | $174.4M |
| Q4 25 | $12.6M | $55.9M | ||
| Q3 25 | $22.2M | $51.8M | ||
| Q2 25 | $13.5M | $51.8M | ||
| Q1 25 | — | $45.6M | ||
| Q4 24 | $-2.9M | $50.3M | ||
| Q3 24 | $17.2M | $47.0M | ||
| Q2 24 | $7.7M | $51.1M | ||
| Q1 24 | — | $49.7M |
| Q4 25 | 74.5% | — | ||
| Q3 25 | 75.2% | — | ||
| Q2 25 | 75.0% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 73.4% | — | ||
| Q3 24 | 74.3% | — | ||
| Q2 24 | 74.8% | — | ||
| Q1 24 | — | — |
| Q4 25 | 3.1% | 25.7% | ||
| Q3 25 | 5.8% | 33.0% | ||
| Q2 25 | 4.3% | 36.1% | ||
| Q1 25 | — | 33.3% | ||
| Q4 24 | -0.8% | 28.9% | ||
| Q3 24 | 3.8% | 35.4% | ||
| Q2 24 | 2.4% | 39.6% | ||
| Q1 24 | — | 38.9% |
| Q4 25 | 3.6% | 30.3% | ||
| Q3 25 | 6.1% | 27.8% | ||
| Q2 25 | 3.9% | 28.4% | ||
| Q1 25 | — | 25.5% | ||
| Q4 24 | -0.9% | 27.6% | ||
| Q3 24 | 4.9% | 26.9% | ||
| Q2 24 | 2.3% | 28.4% | ||
| Q1 24 | — | 28.5% |
| Q4 25 | $0.58 | $1.27 | ||
| Q3 25 | $0.97 | $1.16 | ||
| Q2 25 | $0.58 | $1.15 | ||
| Q1 25 | — | $1.00 | ||
| Q4 24 | $-0.13 | $1.10 | ||
| Q3 24 | $0.72 | $1.00 | ||
| Q2 24 | $0.32 | $1.08 | ||
| Q1 24 | — | $1.05 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $23.8M | $1.0B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $366.2M | $1.4B |
| Total Assets | $1.0B | $12.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.8M | $1.0B | ||
| Q3 25 | $26.0M | $740.3M | ||
| Q2 25 | $19.0M | $851.8M | ||
| Q1 25 | — | $710.6M | ||
| Q4 24 | $18.4M | $591.1M | ||
| Q3 24 | $16.2M | $680.6M | ||
| Q2 24 | $18.8M | $740.4M | ||
| Q1 24 | — | $754.4M |
| Q4 25 | — | — | ||
| Q3 25 | $60.5M | — | ||
| Q2 25 | $85.5M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $66.5M | — | ||
| Q3 24 | $63.5M | — | ||
| Q2 24 | $58.0M | — | ||
| Q1 24 | — | — |
| Q4 25 | $366.2M | $1.4B | ||
| Q3 25 | $386.6M | $1.4B | ||
| Q2 25 | $371.5M | $1.3B | ||
| Q1 25 | — | $1.3B | ||
| Q4 24 | $376.2M | $1.3B | ||
| Q3 24 | $386.5M | $1.3B | ||
| Q2 24 | $375.4M | $1.2B | ||
| Q1 24 | — | $1.2B |
| Q4 25 | $1.0B | $12.5B | ||
| Q3 25 | $1.0B | $12.2B | ||
| Q2 25 | $1.0B | $12.2B | ||
| Q1 25 | — | $11.7B | ||
| Q4 24 | $1.0B | $11.5B | ||
| Q3 24 | $1.0B | $11.5B | ||
| Q2 24 | $1.0B | $11.3B | ||
| Q1 24 | — | $11.2B |
| Q4 25 | — | — | ||
| Q3 25 | 0.16× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | 0.16× | — | ||
| Q2 24 | 0.15× | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $217.7M |
| Free Cash FlowOCF − Capex | — | $199.3M |
| FCF MarginFCF / Revenue | — | 108.1% |
| Capex IntensityCapex / Revenue | — | 10.0% |
| Cash ConversionOCF / Net Profit | — | 3.90× |
| TTM Free Cash FlowTrailing 4 quarters | — | $345.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $217.7M | ||
| Q3 25 | $62.3M | $39.5M | ||
| Q2 25 | $4.6M | $35.9M | ||
| Q1 25 | — | $83.1M | ||
| Q4 24 | $27.3M | $252.5M | ||
| Q3 24 | $20.2M | $58.1M | ||
| Q2 24 | $22.3M | $95.1M | ||
| Q1 24 | — | $61.0M |
| Q4 25 | — | $199.3M | ||
| Q3 25 | $41.9M | $35.5M | ||
| Q2 25 | $-12.1M | $31.8M | ||
| Q1 25 | — | $78.7M | ||
| Q4 24 | $7.6M | $231.2M | ||
| Q3 24 | $735.0K | $51.8M | ||
| Q2 24 | $448.0K | $90.4M | ||
| Q1 24 | — | $54.8M |
| Q4 25 | — | 108.1% | ||
| Q3 25 | 11.5% | 19.1% | ||
| Q2 25 | -3.5% | 17.4% | ||
| Q1 25 | — | 44.1% | ||
| Q4 24 | 2.3% | 126.5% | ||
| Q3 24 | 0.2% | 29.6% | ||
| Q2 24 | 0.1% | 50.3% | ||
| Q1 24 | — | 31.4% |
| Q4 25 | — | 10.0% | ||
| Q3 25 | 5.6% | 2.1% | ||
| Q2 25 | 4.8% | 2.3% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | 6.0% | 11.7% | ||
| Q3 24 | 5.6% | 3.6% | ||
| Q2 24 | 6.5% | 2.6% | ||
| Q1 24 | — | 3.5% |
| Q4 25 | — | 3.90× | ||
| Q3 25 | 2.80× | 0.76× | ||
| Q2 25 | 0.34× | 0.69× | ||
| Q1 25 | — | 1.82× | ||
| Q4 24 | — | 5.02× | ||
| Q3 24 | 1.18× | 1.24× | ||
| Q2 24 | 2.89× | 1.86× | ||
| Q1 24 | — | 1.23× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
