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Side-by-side financial comparison of OFG BANCORP (OFG) and TENNANT CO (TNC). Click either name above to swap in a different company.
TENNANT CO is the larger business by last-quarter revenue ($291.6M vs $184.3M, roughly 1.6× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs -1.5%, a 31.8% gap on every dollar of revenue. On growth, OFG BANCORP posted the faster year-over-year revenue change (0.9% vs -11.3%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $9.7M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs -3.2%).
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....
The Tennant Company (TNC:NYQ) is a company with about 4000 employees that provides cleaning products. It is a company that is listed in the New York Stock Exchange.
OFG vs TNC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $291.6M |
| Net Profit | $55.9M | $-4.4M |
| Gross Margin | — | 34.6% |
| Operating Margin | 25.7% | -1.4% |
| Net Margin | 30.3% | -1.5% |
| Revenue YoY | 0.9% | -11.3% |
| Net Profit YoY | 11.0% | -166.7% |
| EPS (diluted) | $1.27 | $-0.21 |
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 | $291.6M | ||
| Q3 25 | $186.2M | $303.3M | ||
| Q2 25 | $182.4M | $318.6M | ||
| Q1 25 | $178.6M | $290.0M | ||
| Q4 24 | $182.7M | $328.9M | ||
| Q3 24 | $174.7M | $315.8M | ||
| Q2 24 | $179.8M | $331.0M | ||
| Q1 24 | $174.4M | $311.0M |
| Q4 25 | $55.9M | $-4.4M | ||
| Q3 25 | $51.8M | $14.9M | ||
| Q2 25 | $51.8M | $20.2M | ||
| Q1 25 | $45.6M | $13.1M | ||
| Q4 24 | $50.3M | $6.6M | ||
| Q3 24 | $47.0M | $20.8M | ||
| Q2 24 | $51.1M | $27.9M | ||
| Q1 24 | $49.7M | $28.4M |
| Q4 25 | — | 34.6% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 42.1% | ||
| Q1 25 | — | 41.4% | ||
| Q4 24 | — | 41.3% | ||
| Q3 24 | — | 42.4% | ||
| Q2 24 | — | 43.1% | ||
| Q1 24 | — | 44.2% |
| Q4 25 | 25.7% | -1.4% | ||
| Q3 25 | 33.0% | 7.4% | ||
| Q2 25 | 36.1% | 9.6% | ||
| Q1 25 | 33.3% | 6.8% | ||
| Q4 24 | 28.9% | 2.3% | ||
| Q3 24 | 35.4% | 9.7% | ||
| Q2 24 | 39.6% | 11.7% | ||
| Q1 24 | 38.9% | 12.1% |
| Q4 25 | 30.3% | -1.5% | ||
| Q3 25 | 27.8% | 4.9% | ||
| Q2 25 | 28.4% | 6.3% | ||
| Q1 25 | 25.5% | 4.5% | ||
| Q4 24 | 27.6% | 2.0% | ||
| Q3 24 | 26.9% | 6.6% | ||
| Q2 24 | 28.4% | 8.4% | ||
| Q1 24 | 28.5% | 9.1% |
| Q4 25 | $1.27 | $-0.21 | ||
| Q3 25 | $1.16 | $0.80 | ||
| Q2 25 | $1.15 | $1.08 | ||
| Q1 25 | $1.00 | $0.69 | ||
| Q4 24 | $1.10 | $0.35 | ||
| Q3 24 | $1.00 | $1.09 | ||
| Q2 24 | $1.08 | $1.45 | ||
| Q1 24 | $1.05 | $1.49 |
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 | — |
| Total DebtLower is stronger | — | $273.2M |
| Stockholders' EquityBook value | $1.4B | $601.6M |
| Total Assets | $12.5B | $1.3B |
| Debt / EquityLower = less leverage | — | 0.45× |
8-quarter trend — quarters aligned by calendar period.
| 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 24 | $754.4M | — |
| Q4 25 | — | $273.2M | ||
| Q3 25 | — | $238.3M | ||
| Q2 25 | — | $213.4M | ||
| Q1 25 | — | $213.3M | ||
| Q4 24 | — | $198.2M | ||
| Q3 24 | — | $208.6M | ||
| Q2 24 | — | $205.6M | ||
| Q1 24 | — | $207.4M |
| Q4 25 | $1.4B | $601.6M | ||
| Q3 25 | $1.4B | $640.9M | ||
| Q2 25 | $1.3B | $651.9M | ||
| Q1 25 | $1.3B | $624.4M | ||
| Q4 24 | $1.3B | $620.8M | ||
| Q3 24 | $1.3B | $647.2M | ||
| Q2 24 | $1.2B | $624.6M | ||
| Q1 24 | $1.2B | $614.6M |
| Q4 25 | $12.5B | $1.3B | ||
| Q3 25 | $12.2B | $1.3B | ||
| Q2 25 | $12.2B | $1.2B | ||
| Q1 25 | $11.7B | $1.2B | ||
| Q4 24 | $11.5B | $1.2B | ||
| Q3 24 | $11.5B | $1.2B | ||
| Q2 24 | $11.3B | $1.2B | ||
| Q1 24 | $11.2B | $1.2B |
| Q4 25 | — | 0.45× | ||
| Q3 25 | — | 0.37× | ||
| Q2 25 | — | 0.33× | ||
| Q1 25 | — | 0.34× | ||
| Q4 24 | — | 0.32× | ||
| Q3 24 | — | 0.32× | ||
| Q2 24 | — | 0.33× | ||
| Q1 24 | — | 0.34× |
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 | $14.2M |
| Free Cash FlowOCF − Capex | $199.3M | $9.7M |
| FCF MarginFCF / Revenue | 108.1% | 3.3% |
| Capex IntensityCapex / Revenue | 10.0% | 1.5% |
| Cash ConversionOCF / Net Profit | 3.90× | — |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $43.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $14.2M | ||
| Q3 25 | $39.5M | $28.7M | ||
| Q2 25 | $35.9M | $22.5M | ||
| Q1 25 | $83.1M | $-400.0K | ||
| Q4 24 | $252.5M | $37.5M | ||
| Q3 24 | $58.1M | $30.7M | ||
| Q2 24 | $95.1M | $18.6M | ||
| Q1 24 | $61.0M | $2.9M |
| Q4 25 | $199.3M | $9.7M | ||
| Q3 25 | $35.5M | $22.3M | ||
| Q2 25 | $31.8M | $18.7M | ||
| Q1 25 | $78.7M | $-7.4M | ||
| Q4 24 | $231.2M | $28.1M | ||
| Q3 24 | $51.8M | $26.4M | ||
| Q2 24 | $90.4M | $14.4M | ||
| Q1 24 | $54.8M | $-100.0K |
| Q4 25 | 108.1% | 3.3% | ||
| Q3 25 | 19.1% | 7.4% | ||
| Q2 25 | 17.4% | 5.9% | ||
| Q1 25 | 44.1% | -2.6% | ||
| Q4 24 | 126.5% | 8.5% | ||
| Q3 24 | 29.6% | 8.4% | ||
| Q2 24 | 50.3% | 4.4% | ||
| Q1 24 | 31.4% | -0.0% |
| Q4 25 | 10.0% | 1.5% | ||
| Q3 25 | 2.1% | 2.1% | ||
| Q2 25 | 2.3% | 1.2% | ||
| Q1 25 | 2.4% | 2.4% | ||
| Q4 24 | 11.7% | 2.9% | ||
| Q3 24 | 3.6% | 1.4% | ||
| Q2 24 | 2.6% | 1.3% | ||
| Q1 24 | 3.5% | 1.0% |
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | 1.93× | ||
| Q2 25 | 0.69× | 1.11× | ||
| Q1 25 | 1.82× | -0.03× | ||
| Q4 24 | 5.02× | 5.68× | ||
| Q3 24 | 1.24× | 1.48× | ||
| Q2 24 | 1.86× | 0.67× | ||
| Q1 24 | 1.23× | 0.10× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
TNC
| Equipment Sales | $165.5M | 57% |
| Parts And Consumables | $69.1M | 24% |
| Service And Other | $57.0M | 20% |
