vs
Side-by-side financial comparison of FIRST BUSEY CORP (BUSE) and OFG BANCORP (OFG). Click either name above to swap in a different company.
FIRST BUSEY CORP is the larger business by last-quarter revenue ($196.2M vs $184.3M, roughly 1.1× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs 25.5%, a 4.9% gap on every dollar of revenue. Over the past eight quarters, FIRST BUSEY CORP's revenue compounded faster (29.9% CAGR vs 2.8%).
First Busey Bank is a financial institution headquartered in Champaign, Illinois that operates in Illinois, Indiana, and southwest Florida. It is owned by First Busey Holding, a financial holding company.
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....
BUSE vs OFG — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $196.2M | $184.3M |
| Net Profit | $50.0M | $55.9M |
| Gross Margin | — | — |
| Operating Margin | — | 25.7% |
| Net Margin | 25.5% | 30.3% |
| Revenue YoY | — | 0.9% |
| Net Profit YoY | 266.7% | 11.0% |
| EPS (diluted) | $1.00 | $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.
| Q1 26 | $196.2M | — | ||
| Q4 25 | $200.2M | $184.3M | ||
| Q3 25 | $196.3M | $186.2M | ||
| Q2 25 | $198.0M | $182.4M | ||
| Q1 25 | $125.0M | $178.6M | ||
| Q4 24 | $116.8M | $182.7M | ||
| Q3 24 | $118.5M | $174.7M | ||
| Q2 24 | $116.2M | $179.8M |
| Q1 26 | $50.0M | — | ||
| Q4 25 | — | $55.9M | ||
| Q3 25 | $57.1M | $51.8M | ||
| Q2 25 | $47.4M | $51.8M | ||
| Q1 25 | $-30.0M | $45.6M | ||
| Q4 24 | — | $50.3M | ||
| Q3 24 | $32.0M | $47.0M | ||
| Q2 24 | $27.4M | $51.1M |
| Q1 26 | — | — | ||
| Q4 25 | 38.7% | 25.7% | ||
| Q3 25 | 39.4% | 33.0% | ||
| Q2 25 | 32.6% | 36.1% | ||
| Q1 25 | -26.1% | 33.3% | ||
| Q4 24 | 32.0% | 28.9% | ||
| Q3 24 | 35.9% | 35.4% | ||
| Q2 24 | 33.1% | 39.6% |
| Q1 26 | 25.5% | — | ||
| Q4 25 | — | 30.3% | ||
| Q3 25 | 29.1% | 27.8% | ||
| Q2 25 | 23.9% | 28.4% | ||
| Q1 25 | -24.0% | 25.5% | ||
| Q4 24 | — | 27.6% | ||
| Q3 24 | 27.0% | 26.9% | ||
| Q2 24 | 23.5% | 28.4% |
| Q1 26 | $1.00 | — | ||
| Q4 25 | $0.81 | $1.27 | ||
| Q3 25 | $0.58 | $1.16 | ||
| Q2 25 | $0.52 | $1.15 | ||
| Q1 25 | $-0.44 | $1.00 | ||
| Q4 24 | $0.50 | $1.10 | ||
| Q3 24 | $0.55 | $1.00 | ||
| Q2 24 | $0.47 | $1.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $288.5M | $1.0B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $2.5B | $1.4B |
| Total Assets | $18.1B | $12.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $288.5M | — | ||
| Q4 25 | $294.1M | $1.0B | ||
| Q3 25 | $385.5M | $740.3M | ||
| Q2 25 | $752.4M | $851.8M | ||
| Q1 25 | $1.2B | $710.6M | ||
| Q4 24 | $697.7M | $591.1M | ||
| Q3 24 | $553.7M | $680.6M | ||
| Q2 24 | $285.3M | $740.4M |
| Q1 26 | — | — | ||
| Q4 25 | $113.8M | — | ||
| Q3 25 | $92.4M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $2.5B | — | ||
| Q4 25 | $2.5B | $1.4B | ||
| Q3 25 | $2.4B | $1.4B | ||
| Q2 25 | $2.4B | $1.3B | ||
| Q1 25 | $2.2B | $1.3B | ||
| Q4 24 | $1.4B | $1.3B | ||
| Q3 24 | $1.4B | $1.3B | ||
| Q2 24 | $1.3B | $1.2B |
| Q1 26 | $18.1B | — | ||
| Q4 25 | $18.1B | $12.5B | ||
| Q3 25 | $18.2B | $12.2B | ||
| Q2 25 | $18.9B | $12.2B | ||
| Q1 25 | $19.5B | $11.7B | ||
| Q4 24 | $12.0B | $11.5B | ||
| Q3 24 | $12.0B | $11.5B | ||
| Q2 24 | $12.0B | $11.3B |
| Q1 26 | — | — | ||
| Q4 25 | 0.05× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | — | — | ||
| Q2 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.
| Q1 26 | — | — | ||
| Q4 25 | $192.6M | $217.7M | ||
| Q3 25 | $62.5M | $39.5M | ||
| Q2 25 | $49.5M | $35.9M | ||
| Q1 25 | $8.4M | $83.1M | ||
| Q4 24 | $178.3M | $252.5M | ||
| Q3 24 | $60.1M | $58.1M | ||
| Q2 24 | $28.5M | $95.1M |
| Q1 26 | — | — | ||
| Q4 25 | $173.0M | $199.3M | ||
| Q3 25 | $54.5M | $35.5M | ||
| Q2 25 | $46.1M | $31.8M | ||
| Q1 25 | $6.6M | $78.7M | ||
| Q4 24 | $171.8M | $231.2M | ||
| Q3 24 | $59.1M | $51.8M | ||
| Q2 24 | $26.3M | $90.4M |
| Q1 26 | — | — | ||
| Q4 25 | 86.4% | 108.1% | ||
| Q3 25 | 27.7% | 19.1% | ||
| Q2 25 | 23.3% | 17.4% | ||
| Q1 25 | 5.3% | 44.1% | ||
| Q4 24 | 147.1% | 126.5% | ||
| Q3 24 | 49.9% | 29.6% | ||
| Q2 24 | 22.6% | 50.3% |
| Q1 26 | — | — | ||
| Q4 25 | 9.8% | 10.0% | ||
| Q3 25 | 4.1% | 2.1% | ||
| Q2 25 | 1.7% | 2.3% | ||
| Q1 25 | 1.4% | 2.4% | ||
| Q4 24 | 5.5% | 11.7% | ||
| Q3 24 | 0.8% | 3.6% | ||
| Q2 24 | 1.9% | 2.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.90× | ||
| Q3 25 | 1.09× | 0.76× | ||
| Q2 25 | 1.04× | 0.69× | ||
| Q1 25 | — | 1.82× | ||
| Q4 24 | — | 5.02× | ||
| Q3 24 | 1.88× | 1.24× | ||
| Q2 24 | 1.04× | 1.86× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BUSE
| Net Interest Income | $154.0M | 78% |
| Noninterest Income | $42.3M | 22% |
OFG
Segment breakdown not available.
