vs
Side-by-side financial comparison of OFG BANCORP (OFG) and ServisFirst Bancshares, Inc. (SFBS). Click either name above to swap in a different company.
OFG BANCORP is the larger business by last-quarter revenue ($184.3M vs $159.0M, roughly 1.2× ServisFirst Bancshares, Inc.). ServisFirst Bancshares, Inc. runs the higher net margin — 52.2% vs 30.3%, a 21.9% gap on every dollar of revenue. Over the past eight quarters, ServisFirst Bancshares, Inc.'s revenue compounded faster (17.7% 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....
ServisFirst Bancshares, Inc. is a U.S.-based bank holding company operating full-service banking locations primarily across the Southeastern United States. It offers a full suite of commercial banking, consumer banking, wealth management, and mortgage lending services to small and medium-sized businesses, professional clients, and individual consumers.
OFG vs SFBS — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $159.0M |
| Net Profit | $55.9M | $83.0M |
| Gross Margin | — | — |
| Operating Margin | 25.7% | — |
| Net Margin | 30.3% | 52.2% |
| Revenue YoY | 0.9% | — |
| Net Profit YoY | 11.0% | 31.2% |
| EPS (diluted) | $1.27 | $1.52 |
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.
| Q1 26 | — | $159.0M | ||
| Q4 25 | $184.3M | $162.2M | ||
| Q3 25 | $186.2M | $136.3M | ||
| Q2 25 | $182.4M | $132.1M | ||
| Q1 25 | $178.6M | $131.8M | ||
| Q4 24 | $182.7M | $131.9M | ||
| Q3 24 | $174.7M | $123.7M | ||
| Q2 24 | $179.8M | $114.8M |
| Q1 26 | — | $83.0M | ||
| Q4 25 | $55.9M | $86.4M | ||
| Q3 25 | $51.8M | $65.6M | ||
| Q2 25 | $51.8M | $61.4M | ||
| Q1 25 | $45.6M | $63.2M | ||
| Q4 24 | $50.3M | $65.2M | ||
| Q3 24 | $47.0M | $59.9M | ||
| Q2 24 | $51.1M | $52.1M |
| Q1 26 | — | — | ||
| Q4 25 | 25.7% | 66.3% | ||
| Q3 25 | 33.0% | 57.8% | ||
| Q2 25 | 36.1% | 58.0% | ||
| Q1 25 | 33.3% | 60.0% | ||
| Q4 24 | 28.9% | 60.2% | ||
| Q3 24 | 35.4% | 58.5% | ||
| Q2 24 | 39.6% | 58.0% |
| Q1 26 | — | 52.2% | ||
| Q4 25 | 30.3% | 59.0% | ||
| Q3 25 | 27.8% | 48.1% | ||
| Q2 25 | 28.4% | 46.5% | ||
| Q1 25 | 25.5% | 48.0% | ||
| Q4 24 | 27.6% | 52.9% | ||
| Q3 24 | 26.9% | 48.4% | ||
| Q2 24 | 28.4% | 45.4% |
| Q1 26 | — | $1.52 | ||
| Q4 25 | $1.27 | $1.58 | ||
| Q3 25 | $1.16 | $1.20 | ||
| Q2 25 | $1.15 | $1.12 | ||
| Q1 25 | $1.00 | $1.16 | ||
| Q4 24 | $1.10 | $1.19 | ||
| Q3 24 | $1.00 | $1.10 | ||
| Q2 24 | $1.08 | $0.95 |
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 | $1.8B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $1.9B |
| Total Assets | $12.5B | $18.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $1.8B | ||
| 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 26 | — | $1.9B | ||
| Q4 25 | $1.4B | $1.8B | ||
| Q3 25 | $1.4B | $1.8B | ||
| Q2 25 | $1.3B | $1.7B | ||
| Q1 25 | $1.3B | $1.7B | ||
| Q4 24 | $1.3B | $1.6B | ||
| Q3 24 | $1.3B | $1.6B | ||
| Q2 24 | $1.2B | $1.5B |
| Q1 26 | — | $18.2B | ||
| Q4 25 | $12.5B | $17.7B | ||
| Q3 25 | $12.2B | $17.6B | ||
| Q2 25 | $12.2B | $17.4B | ||
| Q1 25 | $11.7B | $18.6B | ||
| Q4 24 | $11.5B | $17.4B | ||
| Q3 24 | $11.5B | $16.4B | ||
| Q2 24 | $11.3B | $16.0B |
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 | — |
| Free Cash FlowOCF − Capex | $199.3M | — |
| FCF MarginFCF / Revenue | 108.1% | — |
| Capex IntensityCapex / Revenue | 10.0% | — |
| Cash ConversionOCF / Net Profit | 3.90× | — |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $217.7M | $355.2M | ||
| Q3 25 | $39.5M | $140.9M | ||
| Q2 25 | $35.9M | $67.6M | ||
| Q1 25 | $83.1M | $48.0M | ||
| Q4 24 | $252.5M | $252.9M | ||
| Q3 24 | $58.1M | $84.0M | ||
| Q2 24 | $95.1M | $48.3M |
| Q1 26 | — | — | ||
| Q4 25 | $199.3M | — | ||
| Q3 25 | $35.5M | — | ||
| Q2 25 | $31.8M | — | ||
| Q1 25 | $78.7M | — | ||
| Q4 24 | $231.2M | — | ||
| Q3 24 | $51.8M | — | ||
| Q2 24 | $90.4M | — |
| Q1 26 | — | — | ||
| Q4 25 | 108.1% | — | ||
| Q3 25 | 19.1% | — | ||
| Q2 25 | 17.4% | — | ||
| Q1 25 | 44.1% | — | ||
| Q4 24 | 126.5% | — | ||
| Q3 24 | 29.6% | — | ||
| Q2 24 | 50.3% | — |
| Q1 26 | — | — | ||
| Q4 25 | 10.0% | — | ||
| Q3 25 | 2.1% | — | ||
| Q2 25 | 2.3% | — | ||
| Q1 25 | 2.4% | — | ||
| Q4 24 | 11.7% | — | ||
| Q3 24 | 3.6% | — | ||
| Q2 24 | 2.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.90× | 4.11× | ||
| Q3 25 | 0.76× | 2.15× | ||
| Q2 25 | 0.69× | 1.10× | ||
| Q1 25 | 1.82× | 0.76× | ||
| Q4 24 | 5.02× | 3.88× | ||
| Q3 24 | 1.24× | 1.40× | ||
| Q2 24 | 1.86× | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
SFBS
| Net Interest Income | $148.1M | 93% |
| Noninterest Income | $10.8M | 7% |
