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Side-by-side financial comparison of OFG BANCORP (OFG) and PAMT CORP (PAMT). Click either name above to swap in a different company.
OFG BANCORP is the larger business by last-quarter revenue ($184.3M vs $141.3M, roughly 1.3× PAMT CORP). 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 -15.1%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $-25.0M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs -12.0%).
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....
OFG vs PAMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $141.3M |
| Net Profit | $55.9M | $-29.3M |
| Gross Margin | — | — |
| Operating Margin | 25.7% | -27.0% |
| Net Margin | 30.3% | -20.7% |
| Revenue YoY | 0.9% | -15.1% |
| Net Profit YoY | 11.0% | 7.4% |
| EPS (diluted) | $1.27 | $-1.38 |
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 | $141.3M | ||
| Q3 25 | $186.2M | $150.3M | ||
| Q2 25 | $182.4M | $151.1M | ||
| Q1 25 | $178.6M | $155.3M | ||
| Q4 24 | $182.7M | $166.5M | ||
| Q3 24 | $174.7M | $182.6M | ||
| Q2 24 | $179.8M | $182.9M | ||
| Q1 24 | $174.4M | $182.6M |
| Q4 25 | $55.9M | $-29.3M | ||
| Q3 25 | $51.8M | $-5.6M | ||
| Q2 25 | $51.8M | $-9.6M | ||
| Q1 25 | $45.6M | $-8.1M | ||
| Q4 24 | $50.3M | $-31.6M | ||
| Q3 24 | $47.0M | $2.4M | ||
| Q2 24 | $51.1M | $-2.9M | ||
| Q1 24 | $49.7M | $281.0K |
| Q4 25 | 25.7% | -27.0% | ||
| Q3 25 | 33.0% | -3.8% | ||
| Q2 25 | 36.1% | -7.3% | ||
| Q1 25 | 33.3% | -5.9% | ||
| Q4 24 | 28.9% | -22.6% | ||
| Q3 24 | 35.4% | 1.3% | ||
| Q2 24 | 39.6% | -0.4% | ||
| Q1 24 | 38.9% | -0.4% |
| Q4 25 | 30.3% | -20.7% | ||
| Q3 25 | 27.8% | -3.7% | ||
| Q2 25 | 28.4% | -6.4% | ||
| Q1 25 | 25.5% | -5.2% | ||
| Q4 24 | 27.6% | -19.0% | ||
| Q3 24 | 26.9% | 1.3% | ||
| Q2 24 | 28.4% | -1.6% | ||
| Q1 24 | 28.5% | 0.2% |
| Q4 25 | $1.27 | $-1.38 | ||
| Q3 25 | $1.16 | $-0.27 | ||
| Q2 25 | $1.15 | $-0.46 | ||
| Q1 25 | $1.00 | $-0.37 | ||
| Q4 24 | $1.10 | $-1.44 | ||
| Q3 24 | $1.00 | $0.11 | ||
| Q2 24 | $1.08 | $-0.13 | ||
| Q1 24 | $1.05 | $0.01 |
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 | $83.7M |
| Total DebtLower is stronger | — | $333.9M |
| Stockholders' EquityBook value | $1.4B | $210.5M |
| Total Assets | $12.5B | $697.9M |
| Debt / EquityLower = less leverage | — | 1.59× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $83.7M | ||
| Q3 25 | $740.3M | $115.6M | ||
| Q2 25 | $851.8M | $117.3M | ||
| Q1 25 | $710.6M | $102.7M | ||
| Q4 24 | $591.1M | $110.7M | ||
| Q3 24 | $680.6M | $92.3M | ||
| Q2 24 | $740.4M | $114.0M | ||
| Q1 24 | $754.4M | $125.8M |
| Q4 25 | — | $333.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $325.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.4B | $210.5M | ||
| Q3 25 | $1.4B | $239.5M | ||
| Q2 25 | $1.3B | $244.9M | ||
| Q1 25 | $1.3B | $269.6M | ||
| Q4 24 | $1.3B | $277.5M | ||
| Q3 24 | $1.3B | $308.9M | ||
| Q2 24 | $1.2B | $306.7M | ||
| Q1 24 | $1.2B | $314.6M |
| Q4 25 | $12.5B | $697.9M | ||
| Q3 25 | $12.2B | $715.2M | ||
| Q2 25 | $12.2B | $707.9M | ||
| Q1 25 | $11.7B | $712.6M | ||
| Q4 24 | $11.5B | $741.7M | ||
| Q3 24 | $11.5B | $756.7M | ||
| Q2 24 | $11.3B | $733.5M | ||
| Q1 24 | $11.2B | $746.4M |
| Q4 25 | — | 1.59× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.17× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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 | $-5.8M |
| Free Cash FlowOCF − Capex | $199.3M | $-25.0M |
| FCF MarginFCF / Revenue | 108.1% | -17.7% |
| Capex IntensityCapex / Revenue | 10.0% | 13.6% |
| Cash ConversionOCF / Net Profit | 3.90× | — |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $-23.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $-5.8M | ||
| Q3 25 | $39.5M | $5.9M | ||
| Q2 25 | $35.9M | $12.2M | ||
| Q1 25 | $83.1M | $5.0M | ||
| Q4 24 | $252.5M | $15.2M | ||
| Q3 24 | $58.1M | $15.5M | ||
| Q2 24 | $95.1M | $18.7M | ||
| Q1 24 | $61.0M | $9.6M |
| Q4 25 | $199.3M | $-25.0M | ||
| Q3 25 | $35.5M | $2.5M | ||
| Q2 25 | $31.8M | $5.9M | ||
| Q1 25 | $78.7M | $-6.8M | ||
| Q4 24 | $231.2M | $-39.9M | ||
| Q3 24 | $51.8M | $-33.6M | ||
| Q2 24 | $90.4M | $4.1M | ||
| Q1 24 | $54.8M | $-12.2M |
| Q4 25 | 108.1% | -17.7% | ||
| Q3 25 | 19.1% | 1.7% | ||
| Q2 25 | 17.4% | 3.9% | ||
| Q1 25 | 44.1% | -4.4% | ||
| Q4 24 | 126.5% | -24.0% | ||
| Q3 24 | 29.6% | -18.4% | ||
| Q2 24 | 50.3% | 2.2% | ||
| Q1 24 | 31.4% | -6.7% |
| Q4 25 | 10.0% | 13.6% | ||
| Q3 25 | 2.1% | 2.3% | ||
| Q2 25 | 2.3% | 4.2% | ||
| Q1 25 | 2.4% | 7.6% | ||
| Q4 24 | 11.7% | 33.1% | ||
| Q3 24 | 3.6% | 26.9% | ||
| Q2 24 | 2.6% | 8.0% | ||
| Q1 24 | 3.5% | 12.0% |
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.69× | — | ||
| Q1 25 | 1.82× | — | ||
| Q4 24 | 5.02× | — | ||
| Q3 24 | 1.24× | 6.44× | ||
| Q2 24 | 1.86× | — | ||
| Q1 24 | 1.23× | 34.11× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
