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Side-by-side financial comparison of OFG BANCORP (OFG) and Smith Douglas Homes Corp. (SDHC). Click either name above to swap in a different company.
Smith Douglas Homes Corp. is the larger business by last-quarter revenue ($260.4M vs $184.3M, roughly 1.4× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs 1.4%, a 29.0% gap on every dollar of revenue. On growth, OFG BANCORP posted the faster year-over-year revenue change (0.9% vs -9.4%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $8.7M). Over the past eight quarters, Smith Douglas Homes Corp.'s revenue compounded faster (17.3% 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....
Smith & Wesson Brands, Inc. (S&W) is an American firearm manufacturer headquartered in Maryville, Tennessee, United States.
OFG vs SDHC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $260.4M |
| Net Profit | $55.9M | $3.5M |
| Gross Margin | — | 19.9% |
| Operating Margin | 25.7% | 6.5% |
| Net Margin | 30.3% | 1.4% |
| Revenue YoY | 0.9% | -9.4% |
| Net Profit YoY | 11.0% | -14.3% |
| EPS (diluted) | $1.27 | $0.39 |
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 | $260.4M | ||
| Q3 25 | $186.2M | $262.0M | ||
| Q2 25 | $182.4M | $223.9M | ||
| Q1 25 | $178.6M | $224.7M | ||
| Q4 24 | $182.7M | $287.5M | ||
| Q3 24 | $174.7M | $277.8M | ||
| Q2 24 | $179.8M | $220.9M | ||
| Q1 24 | $174.4M | $189.2M |
| Q4 25 | $55.9M | $3.5M | ||
| Q3 25 | $51.8M | $2.1M | ||
| Q2 25 | $51.8M | $2.4M | ||
| Q1 25 | $45.6M | $2.7M | ||
| Q4 24 | $50.3M | $4.1M | ||
| Q3 24 | $47.0M | $5.3M | ||
| Q2 24 | $51.1M | $3.6M | ||
| Q1 24 | $49.7M | $3.0M |
| Q4 25 | — | 19.9% | ||
| Q3 25 | — | 21.0% | ||
| Q2 25 | — | 23.2% | ||
| Q1 25 | — | 23.8% | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.5% | ||
| Q2 24 | — | 26.7% | ||
| Q1 24 | — | 26.1% |
| Q4 25 | 25.7% | 6.5% | ||
| Q3 25 | 33.0% | 6.6% | ||
| Q2 25 | 36.1% | 7.7% | ||
| Q1 25 | 33.3% | 8.7% | ||
| Q4 24 | 28.9% | 10.4% | ||
| Q3 24 | 35.4% | 14.2% | ||
| Q2 24 | 39.6% | 11.7% | ||
| Q1 24 | 38.9% | 11.3% |
| Q4 25 | 30.3% | 1.4% | ||
| Q3 25 | 27.8% | 0.8% | ||
| Q2 25 | 28.4% | 1.1% | ||
| Q1 25 | 25.5% | 1.2% | ||
| Q4 24 | 27.6% | 1.4% | ||
| Q3 24 | 26.9% | 1.9% | ||
| Q2 24 | 28.4% | 1.7% | ||
| Q1 24 | 28.5% | 1.6% |
| Q4 25 | $1.27 | $0.39 | ||
| Q3 25 | $1.16 | $0.24 | ||
| Q2 25 | $1.15 | $0.26 | ||
| Q1 25 | $1.00 | $0.30 | ||
| Q4 24 | $1.10 | $0.50 | ||
| Q3 24 | $1.00 | $0.58 | ||
| Q2 24 | $1.08 | $0.40 | ||
| Q1 24 | $1.05 | $0.33 |
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 | $12.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $86.7M |
| Total Assets | $12.5B | $557.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $12.7M | ||
| Q3 25 | $740.3M | $14.8M | ||
| Q2 25 | $851.8M | $16.8M | ||
| Q1 25 | $710.6M | $12.7M | ||
| Q4 24 | $591.1M | $22.4M | ||
| Q3 24 | $680.6M | $23.7M | ||
| Q2 24 | $740.4M | $17.3M | ||
| Q1 24 | $754.4M | $32.8M |
| Q4 25 | $1.4B | $86.7M | ||
| Q3 25 | $1.4B | $82.2M | ||
| Q2 25 | $1.3B | $80.0M | ||
| Q1 25 | $1.3B | $76.9M | ||
| Q4 24 | $1.3B | $73.6M | ||
| Q3 24 | $1.3B | $68.4M | ||
| Q2 24 | $1.2B | $62.1M | ||
| Q1 24 | $1.2B | $59.7M |
| Q4 25 | $12.5B | $557.6M | ||
| Q3 25 | $12.2B | $571.6M | ||
| Q2 25 | $12.2B | $570.2M | ||
| Q1 25 | $11.7B | $513.9M | ||
| Q4 24 | $11.5B | $475.9M | ||
| Q3 24 | $11.5B | $460.1M | ||
| Q2 24 | $11.3B | $429.3M | ||
| Q1 24 | $11.2B | $401.3M |
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 | $9.8M |
| Free Cash FlowOCF − Capex | $199.3M | $8.7M |
| FCF MarginFCF / Revenue | 108.1% | 3.4% |
| Capex IntensityCapex / Revenue | 10.0% | 0.4% |
| Cash ConversionOCF / Net Profit | 3.90× | 2.77× |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $-36.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $9.8M | ||
| Q3 25 | $39.5M | $22.8M | ||
| Q2 25 | $35.9M | $-28.9M | ||
| Q1 25 | $83.1M | $-34.9M | ||
| Q4 24 | $252.5M | $5.5M | ||
| Q3 24 | $58.1M | $22.9M | ||
| Q2 24 | $95.1M | $39.0K | ||
| Q1 24 | $61.0M | $-9.3M |
| Q4 25 | $199.3M | $8.7M | ||
| Q3 25 | $35.5M | $21.4M | ||
| Q2 25 | $31.8M | $-31.1M | ||
| Q1 25 | $78.7M | $-35.9M | ||
| Q4 24 | $231.2M | $4.8M | ||
| Q3 24 | $51.8M | $22.3M | ||
| Q2 24 | $90.4M | $-2.1M | ||
| Q1 24 | $54.8M | $-9.7M |
| Q4 25 | 108.1% | 3.4% | ||
| Q3 25 | 19.1% | 8.2% | ||
| Q2 25 | 17.4% | -13.9% | ||
| Q1 25 | 44.1% | -16.0% | ||
| Q4 24 | 126.5% | 1.7% | ||
| Q3 24 | 29.6% | 8.0% | ||
| Q2 24 | 50.3% | -1.0% | ||
| Q1 24 | 31.4% | -5.1% |
| Q4 25 | 10.0% | 0.4% | ||
| Q3 25 | 2.1% | 0.5% | ||
| Q2 25 | 2.3% | 0.9% | ||
| Q1 25 | 2.4% | 0.5% | ||
| Q4 24 | 11.7% | 0.2% | ||
| Q3 24 | 3.6% | 0.2% | ||
| Q2 24 | 2.6% | 1.0% | ||
| Q1 24 | 3.5% | 0.2% |
| Q4 25 | 3.90× | 2.77× | ||
| Q3 25 | 0.76× | 10.70× | ||
| Q2 25 | 0.69× | -12.24× | ||
| Q1 25 | 1.82× | -13.01× | ||
| Q4 24 | 5.02× | 1.33× | ||
| Q3 24 | 1.24× | 4.28× | ||
| Q2 24 | 1.86× | 0.01× | ||
| Q1 24 | 1.23× | -3.12× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
SDHC
| Southeast | $164.7M | 63% |
| Central | $95.8M | 37% |
