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Side-by-side financial comparison of FIRST FINANCIAL BANKSHARES INC (FFIN) and OFG BANCORP (OFG). Click either name above to swap in a different company.
OFG BANCORP is the larger business by last-quarter revenue ($184.3M vs $164.7M, roughly 1.1× FIRST FINANCIAL BANKSHARES INC). FIRST FINANCIAL BANKSHARES INC runs the higher net margin — 44.5% vs 30.3%, a 14.2% gap on every dollar of revenue. On growth, FIRST FINANCIAL BANKSHARES INC posted the faster year-over-year revenue change (12.0% vs 0.9%). FIRST FINANCIAL BANKSHARES INC produced more free cash flow last quarter ($286.0M vs $199.3M). Over the past eight quarters, FIRST FINANCIAL BANKSHARES INC's revenue compounded faster (12.7% CAGR vs 2.8%).
First Financial Bank is a regional bank operated by First Financial Corporation and based in Terre Haute, Indiana. It is the oldest national bank in Indiana and the fifth oldest national bank in the United States. First Financial Corporation is Vigo County's only publicly traded 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....
FFIN vs OFG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $164.7M | $184.3M |
| Net Profit | $73.3M | $55.9M |
| Gross Margin | — | — |
| Operating Margin | 54.4% | 25.7% |
| Net Margin | 44.5% | 30.3% |
| Revenue YoY | 12.0% | 0.9% |
| Net Profit YoY | 17.6% | 11.0% |
| EPS (diluted) | $0.51 | $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 | $164.7M | $184.3M | ||
| Q3 25 | $161.3M | $186.2M | ||
| Q2 25 | $156.6M | $182.4M | ||
| Q1 25 | $149.0M | $178.6M | ||
| Q4 24 | $147.1M | $182.7M | ||
| Q3 24 | $139.5M | $174.7M | ||
| Q2 24 | $134.5M | $179.8M | ||
| Q1 24 | $129.6M | $174.4M |
| Q4 25 | $73.3M | $55.9M | ||
| Q3 25 | $52.3M | $51.8M | ||
| Q2 25 | $66.7M | $51.8M | ||
| Q1 25 | $61.3M | $45.6M | ||
| Q4 24 | $62.3M | $50.3M | ||
| Q3 24 | $55.3M | $47.0M | ||
| Q2 24 | $52.5M | $51.1M | ||
| Q1 24 | $53.4M | $49.7M |
| Q4 25 | 54.4% | 25.7% | ||
| Q3 25 | 39.2% | 33.0% | ||
| Q2 25 | 52.2% | 36.1% | ||
| Q1 25 | 50.4% | 33.3% | ||
| Q4 24 | 51.7% | 28.9% | ||
| Q3 24 | 48.3% | 35.4% | ||
| Q2 24 | 47.3% | 39.6% | ||
| Q1 24 | 50.0% | 38.9% |
| Q4 25 | 44.5% | 30.3% | ||
| Q3 25 | 32.4% | 27.8% | ||
| Q2 25 | 42.6% | 28.4% | ||
| Q1 25 | 41.2% | 25.5% | ||
| Q4 24 | 42.4% | 27.6% | ||
| Q3 24 | 39.7% | 26.9% | ||
| Q2 24 | 39.0% | 28.4% | ||
| Q1 24 | 41.2% | 28.5% |
| Q4 25 | $0.51 | $1.27 | ||
| Q3 25 | $0.36 | $1.16 | ||
| Q2 25 | $0.47 | $1.15 | ||
| Q1 25 | $0.43 | $1.00 | ||
| Q4 24 | $0.43 | $1.10 | ||
| Q3 24 | $0.39 | $1.00 | ||
| Q2 24 | $0.37 | $1.08 | ||
| Q1 24 | $0.37 | $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 | — | $1.0B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.9B | $1.4B |
| Total Assets | $15.4B | $12.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.0B | ||
| Q3 25 | — | $740.3M | ||
| Q2 25 | — | $851.8M | ||
| Q1 25 | — | $710.6M | ||
| Q4 24 | — | $591.1M | ||
| Q3 24 | — | $680.6M | ||
| Q2 24 | — | $740.4M | ||
| Q1 24 | — | $754.4M |
| Q4 25 | $1.9B | $1.4B | ||
| Q3 25 | $1.8B | $1.4B | ||
| Q2 25 | $1.7B | $1.3B | ||
| Q1 25 | $1.7B | $1.3B | ||
| Q4 24 | $1.6B | $1.3B | ||
| Q3 24 | $1.7B | $1.3B | ||
| Q2 24 | $1.5B | $1.2B | ||
| Q1 24 | $1.5B | $1.2B |
| Q4 25 | $15.4B | $12.5B | ||
| Q3 25 | $14.8B | $12.2B | ||
| Q2 25 | $14.4B | $12.2B | ||
| Q1 25 | $14.3B | $11.7B | ||
| Q4 24 | $14.0B | $11.5B | ||
| Q3 24 | $13.6B | $11.5B | ||
| Q2 24 | $13.2B | $11.3B | ||
| Q1 24 | $13.2B | $11.2B |
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 | $299.4M | $217.7M |
| Free Cash FlowOCF − Capex | $286.0M | $199.3M |
| FCF MarginFCF / Revenue | 173.6% | 108.1% |
| Capex IntensityCapex / Revenue | 8.2% | 10.0% |
| Cash ConversionOCF / Net Profit | 4.08× | 3.90× |
| TTM Free Cash FlowTrailing 4 quarters | $503.1M | $345.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $299.4M | $217.7M | ||
| Q3 25 | $86.5M | $39.5M | ||
| Q2 25 | $61.3M | $35.9M | ||
| Q1 25 | $76.8M | $83.1M | ||
| Q4 24 | $309.6M | $252.5M | ||
| Q3 24 | $80.7M | $58.1M | ||
| Q2 24 | $68.8M | $95.1M | ||
| Q1 24 | $75.6M | $61.0M |
| Q4 25 | $286.0M | $199.3M | ||
| Q3 25 | $83.7M | $35.5M | ||
| Q2 25 | $58.7M | $31.8M | ||
| Q1 25 | $74.7M | $78.7M | ||
| Q4 24 | $292.9M | $231.2M | ||
| Q3 24 | $77.7M | $51.8M | ||
| Q2 24 | $63.8M | $90.4M | ||
| Q1 24 | $71.7M | $54.8M |
| Q4 25 | 173.6% | 108.1% | ||
| Q3 25 | 51.9% | 19.1% | ||
| Q2 25 | 37.5% | 17.4% | ||
| Q1 25 | 50.1% | 44.1% | ||
| Q4 24 | 199.1% | 126.5% | ||
| Q3 24 | 55.7% | 29.6% | ||
| Q2 24 | 47.4% | 50.3% | ||
| Q1 24 | 55.3% | 31.4% |
| Q4 25 | 8.2% | 10.0% | ||
| Q3 25 | 1.7% | 2.1% | ||
| Q2 25 | 1.6% | 2.3% | ||
| Q1 25 | 1.4% | 2.4% | ||
| Q4 24 | 11.4% | 11.7% | ||
| Q3 24 | 2.2% | 3.6% | ||
| Q2 24 | 3.7% | 2.6% | ||
| Q1 24 | 3.0% | 3.5% |
| Q4 25 | 4.08× | 3.90× | ||
| Q3 25 | 1.65× | 0.76× | ||
| Q2 25 | 0.92× | 0.69× | ||
| Q1 25 | 1.25× | 1.82× | ||
| Q4 24 | 4.97× | 5.02× | ||
| Q3 24 | 1.46× | 1.24× | ||
| Q2 24 | 1.31× | 1.86× | ||
| Q1 24 | 1.42× | 1.23× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
