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Side-by-side financial comparison of CSW INDUSTRIALS, INC. (CSW) and OFG BANCORP (OFG). Click either name above to swap in a different company.
CSW INDUSTRIALS, INC. is the larger business by last-quarter revenue ($233.0M vs $184.3M, roughly 1.3× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs 4.4%, a 25.9% gap on every dollar of revenue. On growth, CSW INDUSTRIALS, INC. posted the faster year-over-year revenue change (20.3% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $22.7M). Over the past eight quarters, CSW INDUSTRIALS, INC.'s revenue compounded faster (5.1% CAGR vs 2.8%).
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....
CSW vs OFG — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $233.0M | $184.3M |
| Net Profit | $10.3M | $55.9M |
| Gross Margin | 39.7% | — |
| Operating Margin | 7.4% | 25.7% |
| Net Margin | 4.4% | 30.3% |
| Revenue YoY | 20.3% | 0.9% |
| Net Profit YoY | -61.9% | 11.0% |
| EPS (diluted) | $0.62 | $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 | $233.0M | $184.3M | ||
| Q3 25 | $277.0M | $186.2M | ||
| Q2 25 | $263.6M | $182.4M | ||
| Q1 25 | $230.5M | $178.6M | ||
| Q4 24 | $193.6M | $182.7M | ||
| Q3 24 | $227.9M | $174.7M | ||
| Q2 24 | $226.2M | $179.8M | ||
| Q1 24 | $210.9M | $174.4M |
| Q4 25 | $10.3M | $55.9M | ||
| Q3 25 | $40.7M | $51.8M | ||
| Q2 25 | $40.9M | $51.8M | ||
| Q1 25 | $35.1M | $45.6M | ||
| Q4 24 | $26.9M | $50.3M | ||
| Q3 24 | $36.1M | $47.0M | ||
| Q2 24 | $38.6M | $51.1M | ||
| Q1 24 | $31.8M | $49.7M |
| Q4 25 | 39.7% | — | ||
| Q3 25 | 43.0% | — | ||
| Q2 25 | 43.8% | — | ||
| Q1 25 | 44.2% | — | ||
| Q4 24 | 41.4% | — | ||
| Q3 24 | 45.6% | — | ||
| Q2 24 | 47.5% | — | ||
| Q1 24 | 44.4% | — |
| Q4 25 | 7.4% | 25.7% | ||
| Q3 25 | 20.5% | 33.0% | ||
| Q2 25 | 20.8% | 36.1% | ||
| Q1 25 | 19.5% | 33.3% | ||
| Q4 24 | 15.3% | 28.9% | ||
| Q3 24 | 22.6% | 35.4% | ||
| Q2 24 | 24.3% | 39.6% | ||
| Q1 24 | 21.0% | 38.9% |
| Q4 25 | 4.4% | 30.3% | ||
| Q3 25 | 14.7% | 27.8% | ||
| Q2 25 | 15.5% | 28.4% | ||
| Q1 25 | 15.2% | 25.5% | ||
| Q4 24 | 13.9% | 27.6% | ||
| Q3 24 | 15.8% | 26.9% | ||
| Q2 24 | 17.1% | 28.4% | ||
| Q1 24 | 15.1% | 28.5% |
| Q4 25 | $0.62 | $1.27 | ||
| Q3 25 | $2.41 | $1.16 | ||
| Q2 25 | $2.43 | $1.15 | ||
| Q1 25 | $2.05 | $1.00 | ||
| Q4 24 | $1.60 | $1.10 | ||
| Q3 24 | $2.26 | $1.00 | ||
| Q2 24 | $2.47 | $1.08 | ||
| Q1 24 | $2.03 | $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 | $40.2M | $1.0B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.1B | $1.4B |
| Total Assets | $2.3B | $12.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $40.2M | $1.0B | ||
| Q3 25 | $31.5M | $740.3M | ||
| Q2 25 | $38.0M | $851.8M | ||
| Q1 25 | $225.8M | $710.6M | ||
| Q4 24 | $213.8M | $591.1M | ||
| Q3 24 | $273.2M | $680.6M | ||
| Q2 24 | $18.9M | $740.4M | ||
| Q1 24 | $22.2M | $754.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $800.1M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $166.0M | — |
| Q4 25 | $1.1B | $1.4B | ||
| Q3 25 | $1.1B | $1.4B | ||
| Q2 25 | $1.1B | $1.3B | ||
| Q1 25 | $1.1B | $1.3B | ||
| Q4 24 | $1.0B | $1.3B | ||
| Q3 24 | $1.0B | $1.3B | ||
| Q2 24 | $650.2M | $1.2B | ||
| Q1 24 | $615.7M | $1.2B |
| Q4 25 | $2.3B | $12.5B | ||
| Q3 25 | $1.5B | $12.2B | ||
| Q2 25 | $1.5B | $12.2B | ||
| Q1 25 | $1.4B | $11.7B | ||
| Q4 24 | $1.4B | $11.5B | ||
| Q3 24 | $1.4B | $11.5B | ||
| Q2 24 | $1.1B | $11.3B | ||
| Q1 24 | $1.0B | $11.2B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.75× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.27× | — |
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 | $28.9M | $217.7M |
| Free Cash FlowOCF − Capex | $22.7M | $199.3M |
| FCF MarginFCF / Revenue | 9.8% | 108.1% |
| Capex IntensityCapex / Revenue | 2.6% | 10.0% |
| Cash ConversionOCF / Net Profit | 2.81× | 3.90× |
| TTM Free Cash FlowTrailing 4 quarters | $162.0M | $345.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.9M | $217.7M | ||
| Q3 25 | $61.8M | $39.5M | ||
| Q2 25 | $60.6M | $35.9M | ||
| Q1 25 | $27.3M | $83.1M | ||
| Q4 24 | $11.6M | $252.5M | ||
| Q3 24 | $66.8M | $58.1M | ||
| Q2 24 | $62.7M | $95.1M | ||
| Q1 24 | $22.4M | $61.0M |
| Q4 25 | $22.7M | $199.3M | ||
| Q3 25 | $58.7M | $35.5M | ||
| Q2 25 | $57.7M | $31.8M | ||
| Q1 25 | $22.8M | $78.7M | ||
| Q4 24 | $8.5M | $231.2M | ||
| Q3 24 | $61.3M | $51.8M | ||
| Q2 24 | $59.6M | $90.4M | ||
| Q1 24 | $17.5M | $54.8M |
| Q4 25 | 9.8% | 108.1% | ||
| Q3 25 | 21.2% | 19.1% | ||
| Q2 25 | 21.9% | 17.4% | ||
| Q1 25 | 9.9% | 44.1% | ||
| Q4 24 | 4.4% | 126.5% | ||
| Q3 24 | 26.9% | 29.6% | ||
| Q2 24 | 26.3% | 50.3% | ||
| Q1 24 | 8.3% | 31.4% |
| Q4 25 | 2.6% | 10.0% | ||
| Q3 25 | 1.1% | 2.1% | ||
| Q2 25 | 1.1% | 2.3% | ||
| Q1 25 | 2.0% | 2.4% | ||
| Q4 24 | 1.6% | 11.7% | ||
| Q3 24 | 2.4% | 3.6% | ||
| Q2 24 | 1.4% | 2.6% | ||
| Q1 24 | 2.3% | 3.5% |
| Q4 25 | 2.81× | 3.90× | ||
| Q3 25 | 1.52× | 0.76× | ||
| Q2 25 | 1.48× | 0.69× | ||
| Q1 25 | 0.78× | 1.82× | ||
| Q4 24 | 0.43× | 5.02× | ||
| Q3 24 | 1.85× | 1.24× | ||
| Q2 24 | 1.62× | 1.86× | ||
| Q1 24 | 0.71× | 1.23× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
OFG
Segment breakdown not available.
