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Side-by-side financial comparison of OFG BANCORP (OFG) and OXFORD INDUSTRIES INC (OXM). Click either name above to swap in a different company.
OXFORD INDUSTRIES INC is the larger business by last-quarter revenue ($307.3M vs $184.3M, roughly 1.7× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs -20.7%, a 51.0% gap on every dollar of revenue. On growth, OFG BANCORP posted the faster year-over-year revenue change (0.9% vs -0.2%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $-47.9M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs -3.0%).
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....
Oxford Industries, Inc. is a publicly traded clothing company in the United States that specializes in high-end clothing and apparel. The company carries many major labels, including Tommy Bahama, Lilly Pulitzer, Johnny Was and Southern Tide.
OFG vs OXM — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $307.3M |
| Net Profit | $55.9M | $-63.7M |
| Gross Margin | — | 60.3% |
| Operating Margin | 25.7% | -27.7% |
| Net Margin | 30.3% | -20.7% |
| Revenue YoY | 0.9% | -0.2% |
| Net Profit YoY | 11.0% | -1517.6% |
| EPS (diluted) | $1.27 | $-4.28 |
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 | $184.3M | $307.3M | ||
| Q3 25 | $186.2M | $403.1M | ||
| Q2 25 | $182.4M | $392.9M | ||
| Q1 25 | $178.6M | — | ||
| Q4 24 | $182.7M | $308.0M | ||
| Q3 24 | $174.7M | $419.9M | ||
| Q2 24 | $179.8M | $398.2M | ||
| Q1 24 | $174.4M | $404.4M |
| Q4 25 | $55.9M | $-63.7M | ||
| Q3 25 | $51.8M | $16.7M | ||
| Q2 25 | $51.8M | $26.2M | ||
| Q1 25 | $45.6M | — | ||
| Q4 24 | $50.3M | $-3.9M | ||
| Q3 24 | $47.0M | $40.6M | ||
| Q2 24 | $51.1M | $38.4M | ||
| Q1 24 | $49.7M | $-60.1M |
| Q4 25 | — | 60.3% | ||
| Q3 25 | — | 61.4% | ||
| Q2 25 | — | 64.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 63.1% | ||
| Q3 24 | — | 63.1% | ||
| Q2 24 | — | 64.9% | ||
| Q1 24 | — | 60.9% |
| Q4 25 | 25.7% | -27.7% | ||
| Q3 25 | 33.0% | 6.3% | ||
| Q2 25 | 36.1% | 9.2% | ||
| Q1 25 | 33.3% | — | ||
| Q4 24 | 28.9% | -2.0% | ||
| Q3 24 | 35.4% | 12.5% | ||
| Q2 24 | 39.6% | 13.2% | ||
| Q1 24 | 38.9% | -20.1% |
| Q4 25 | 30.3% | -20.7% | ||
| Q3 25 | 27.8% | 4.1% | ||
| Q2 25 | 28.4% | 6.7% | ||
| Q1 25 | 25.5% | — | ||
| Q4 24 | 27.6% | -1.3% | ||
| Q3 24 | 26.9% | 9.7% | ||
| Q2 24 | 28.4% | 9.6% | ||
| Q1 24 | 28.5% | -14.9% |
| Q4 25 | $1.27 | $-4.28 | ||
| Q3 25 | $1.16 | $1.12 | ||
| Q2 25 | $1.15 | $1.70 | ||
| Q1 25 | $1.00 | — | ||
| Q4 24 | $1.10 | $-0.25 | ||
| Q3 24 | $1.00 | $2.57 | ||
| Q2 24 | $1.08 | $2.42 | ||
| Q1 24 | $1.05 | $-3.72 |
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 | $8.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $528.0M |
| Total Assets | $12.5B | $1.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $8.0M | ||
| Q3 25 | $740.3M | $6.9M | ||
| Q2 25 | $851.8M | $8.2M | ||
| Q1 25 | $710.6M | — | ||
| Q4 24 | $591.1M | $7.0M | ||
| Q3 24 | $680.6M | $18.4M | ||
| Q2 24 | $740.4M | $7.7M | ||
| Q1 24 | $754.4M | $7.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $29.0M |
| Q4 25 | $1.4B | $528.0M | ||
| Q3 25 | $1.4B | $597.1M | ||
| Q2 25 | $1.3B | $592.4M | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.3B | $612.2M | ||
| Q3 24 | $1.3B | $621.6M | ||
| Q2 24 | $1.2B | $592.9M | ||
| Q1 24 | $1.2B | $560.9M |
| Q4 25 | $12.5B | $1.3B | ||
| Q3 25 | $12.2B | $1.3B | ||
| Q2 25 | $12.2B | $1.3B | ||
| Q1 25 | $11.7B | — | ||
| Q4 24 | $11.5B | $1.2B | ||
| Q3 24 | $11.5B | $1.2B | ||
| Q2 24 | $11.3B | $1.2B | ||
| Q1 24 | $11.2B | $1.1B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.05× |
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 | $-9.1M |
| Free Cash FlowOCF − Capex | $199.3M | $-47.9M |
| FCF MarginFCF / Revenue | 108.1% | -15.6% |
| Capex IntensityCapex / Revenue | 10.0% | 12.6% |
| Cash ConversionOCF / Net Profit | 3.90× | — |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $-79.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $-9.1M | ||
| Q3 25 | $39.5M | $83.5M | ||
| Q2 25 | $35.9M | $-3.9M | ||
| Q1 25 | $83.1M | — | ||
| Q4 24 | $252.5M | $-18.2M | ||
| Q3 24 | $58.1M | $88.8M | ||
| Q2 24 | $95.1M | $32.9M | ||
| Q1 24 | $61.0M | $74.9M |
| Q4 25 | $199.3M | $-47.9M | ||
| Q3 25 | $35.5M | $52.3M | ||
| Q2 25 | $31.8M | $-27.4M | ||
| Q1 25 | $78.7M | — | ||
| Q4 24 | $231.2M | $-56.9M | ||
| Q3 24 | $51.8M | $47.2M | ||
| Q2 24 | $90.4M | $21.0M | ||
| Q1 24 | $54.8M | $55.3M |
| Q4 25 | 108.1% | -15.6% | ||
| Q3 25 | 19.1% | 13.0% | ||
| Q2 25 | 17.4% | -7.0% | ||
| Q1 25 | 44.1% | — | ||
| Q4 24 | 126.5% | -18.5% | ||
| Q3 24 | 29.6% | 11.2% | ||
| Q2 24 | 50.3% | 5.3% | ||
| Q1 24 | 31.4% | 13.7% |
| Q4 25 | 10.0% | 12.6% | ||
| Q3 25 | 2.1% | 7.7% | ||
| Q2 25 | 2.3% | 6.0% | ||
| Q1 25 | 2.4% | — | ||
| Q4 24 | 11.7% | 12.6% | ||
| Q3 24 | 3.6% | 9.9% | ||
| Q2 24 | 2.6% | 3.0% | ||
| Q1 24 | 3.5% | 4.8% |
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | 5.00× | ||
| Q2 25 | 0.69× | -0.15× | ||
| Q1 25 | 1.82× | — | ||
| Q4 24 | 5.02× | — | ||
| Q3 24 | 1.24× | 2.19× | ||
| Q2 24 | 1.86× | 0.86× | ||
| Q1 24 | 1.23× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
OXM
| Sales Channel Retail | $162.9M | 53% |
| Sales Channel Wholesale | $61.3M | 20% |
| Johnny Was | $45.4M | 15% |
| Sales Channel Food And Beverage | $29.3M | 10% |
| Other Foreign Countries | $9.0M | 3% |
