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Side-by-side financial comparison of OFG BANCORP (OFG) and TIDEWATER INC (TDW). Click either name above to swap in a different company.
TIDEWATER INC is the larger business by last-quarter revenue ($336.8M vs $184.3M, roughly 1.8× OFG BANCORP). TIDEWATER INC runs the higher net margin — 65.3% vs 30.3%, a 35.0% gap on every dollar of revenue. On growth, OFG BANCORP posted the faster year-over-year revenue change (0.9% vs -2.4%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $147.8M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs 2.4%).
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....
Tidewater, Inc. is a publicly traded international petroleum service company headquartered in Houston, Texas, U.S. It operates a fleet of ships, primarily providing vessels and marine services to the offshore petroleum and offshore wind industries.
OFG vs TDW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $336.8M |
| Net Profit | $55.9M | $219.9M |
| Gross Margin | — | — |
| Operating Margin | 25.7% | 19.0% |
| Net Margin | 30.3% | 65.3% |
| Revenue YoY | 0.9% | -2.4% |
| Net Profit YoY | 11.0% | 495.8% |
| EPS (diluted) | $1.27 | $4.37 |
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 | $336.8M | ||
| Q3 25 | $186.2M | $341.1M | ||
| Q2 25 | $182.4M | $341.4M | ||
| Q1 25 | $178.6M | $333.4M | ||
| Q4 24 | $182.7M | $345.1M | ||
| Q3 24 | $174.7M | $340.4M | ||
| Q2 24 | $179.8M | $339.2M | ||
| Q1 24 | $174.4M | $321.2M |
| Q4 25 | $55.9M | $219.9M | ||
| Q3 25 | $51.8M | $-806.0K | ||
| Q2 25 | $51.8M | $72.9M | ||
| Q1 25 | $45.6M | $42.7M | ||
| Q4 24 | $50.3M | $36.9M | ||
| Q3 24 | $47.0M | $46.4M | ||
| Q2 24 | $51.1M | $50.4M | ||
| Q1 24 | $49.7M | $47.0M |
| Q4 25 | 25.7% | 19.0% | ||
| Q3 25 | 33.0% | 18.4% | ||
| Q2 25 | 36.1% | 23.7% | ||
| Q1 25 | 33.3% | 22.5% | ||
| Q4 24 | 28.9% | 23.6% | ||
| Q3 24 | 35.4% | 20.6% | ||
| Q2 24 | 39.6% | 23.0% | ||
| Q1 24 | 38.9% | 25.5% |
| Q4 25 | 30.3% | 65.3% | ||
| Q3 25 | 27.8% | -0.2% | ||
| Q2 25 | 28.4% | 21.4% | ||
| Q1 25 | 25.5% | 12.8% | ||
| Q4 24 | 27.6% | 10.7% | ||
| Q3 24 | 26.9% | 13.6% | ||
| Q2 24 | 28.4% | 14.8% | ||
| Q1 24 | 28.5% | 14.6% |
| Q4 25 | $1.27 | $4.37 | ||
| Q3 25 | $1.16 | $-0.02 | ||
| Q2 25 | $1.15 | $1.46 | ||
| Q1 25 | $1.00 | $0.83 | ||
| Q4 24 | $1.10 | $0.70 | ||
| Q3 24 | $1.00 | $0.87 | ||
| Q2 24 | $1.08 | $0.94 | ||
| Q1 24 | $1.05 | $0.89 |
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 | $578.8M |
| Total DebtLower is stronger | — | $670.1M |
| Stockholders' EquityBook value | $1.4B | $1.4B |
| Total Assets | $12.5B | $2.4B |
| Debt / EquityLower = less leverage | — | 0.49× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $578.8M | ||
| Q3 25 | $740.3M | $428.2M | ||
| Q2 25 | $851.8M | $369.4M | ||
| Q1 25 | $710.6M | $341.8M | ||
| Q4 24 | $591.1M | $324.9M | ||
| Q3 24 | $680.6M | $280.8M | ||
| Q2 24 | $740.4M | $315.9M | ||
| Q1 24 | $754.4M | $280.9M |
| Q4 25 | — | $670.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $647.9M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.4B | $1.4B | ||
| Q3 25 | $1.4B | $1.1B | ||
| Q2 25 | $1.3B | $1.1B | ||
| Q1 25 | $1.3B | $1.1B | ||
| Q4 24 | $1.3B | $1.1B | ||
| Q3 24 | $1.3B | $1.1B | ||
| Q2 24 | $1.2B | $1.1B | ||
| Q1 24 | $1.2B | $1.1B |
| Q4 25 | $12.5B | $2.4B | ||
| Q3 25 | $12.2B | $2.1B | ||
| Q2 25 | $12.2B | $2.1B | ||
| Q1 25 | $11.7B | $2.1B | ||
| Q4 24 | $11.5B | $2.1B | ||
| Q3 24 | $11.5B | $2.0B | ||
| Q2 24 | $11.3B | $2.1B | ||
| Q1 24 | $11.2B | $2.1B |
| Q4 25 | — | 0.49× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.58× | ||
| 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 | $153.0M |
| Free Cash FlowOCF − Capex | $199.3M | $147.8M |
| FCF MarginFCF / Revenue | 108.1% | 43.9% |
| Capex IntensityCapex / Revenue | 10.0% | 1.5% |
| Cash ConversionOCF / Net Profit | 3.90× | 0.70× |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $353.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $153.0M | ||
| Q3 25 | $39.5M | $54.7M | ||
| Q2 25 | $35.9M | $85.4M | ||
| Q1 25 | $83.1M | $86.0M | ||
| Q4 24 | $252.5M | $100.0M | ||
| Q3 24 | $58.1M | $49.0M | ||
| Q2 24 | $95.1M | $78.6M | ||
| Q1 24 | $61.0M | $54.8M |
| Q4 25 | $199.3M | $147.8M | ||
| Q3 25 | $35.5M | $49.6M | ||
| Q2 25 | $31.8M | $80.2M | ||
| Q1 25 | $78.7M | $75.7M | ||
| Q4 24 | $231.2M | $95.5M | ||
| Q3 24 | $51.8M | $43.3M | ||
| Q2 24 | $90.4M | $72.3M | ||
| Q1 24 | $54.8M | $43.8M |
| Q4 25 | 108.1% | 43.9% | ||
| Q3 25 | 19.1% | 14.5% | ||
| Q2 25 | 17.4% | 23.5% | ||
| Q1 25 | 44.1% | 22.7% | ||
| Q4 24 | 126.5% | 27.7% | ||
| Q3 24 | 29.6% | 12.7% | ||
| Q2 24 | 50.3% | 21.3% | ||
| Q1 24 | 31.4% | 13.6% |
| Q4 25 | 10.0% | 1.5% | ||
| Q3 25 | 2.1% | 1.5% | ||
| Q2 25 | 2.3% | 1.5% | ||
| Q1 25 | 2.4% | 3.1% | ||
| Q4 24 | 11.7% | 1.3% | ||
| Q3 24 | 3.6% | 1.7% | ||
| Q2 24 | 2.6% | 1.9% | ||
| Q1 24 | 3.5% | 3.4% |
| Q4 25 | 3.90× | 0.70× | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.69× | 1.17× | ||
| Q1 25 | 1.82× | 2.02× | ||
| Q4 24 | 5.02× | 2.71× | ||
| Q3 24 | 1.24× | 1.06× | ||
| Q2 24 | 1.86× | 1.56× | ||
| Q1 24 | 1.23× | 1.16× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
