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Side-by-side financial comparison of OFG BANCORP (OFG) and TREX CO INC (TREX). Click either name above to swap in a different company.
OFG BANCORP is the larger business by last-quarter revenue ($184.3M vs $161.1M, roughly 1.1× TREX CO INC). OFG BANCORP runs the higher net margin — 30.3% vs 1.4%, a 28.9% gap on every dollar of revenue. On growth, OFG BANCORP posted the faster year-over-year revenue change (0.9% vs -3.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $22.1M). Over the past eight quarters, OFG BANCORP's revenue compounded faster (2.8% CAGR vs -34.3%).
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....
Trex Company, Inc. is a manufacturer of wood-alternative composite decking, residential railing, and other outdoor items made from recycled materials. Its headquarters is in Winchester, Virginia.
OFG vs TREX — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $161.1M |
| Net Profit | $55.9M | $2.3M |
| Gross Margin | — | 30.2% |
| Operating Margin | 25.7% | 2.2% |
| Net Margin | 30.3% | 1.4% |
| Revenue YoY | 0.9% | -3.9% |
| Net Profit YoY | 11.0% | -76.4% |
| EPS (diluted) | $1.27 | $0.03 |
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 | $161.1M | ||
| Q3 25 | $186.2M | $285.3M | ||
| Q2 25 | $182.4M | $387.8M | ||
| Q1 25 | $178.6M | $340.0M | ||
| Q4 24 | $182.7M | $167.6M | ||
| Q3 24 | $174.7M | $233.7M | ||
| Q2 24 | $179.8M | $376.5M | ||
| Q1 24 | $174.4M | $373.6M |
| Q4 25 | $55.9M | $2.3M | ||
| Q3 25 | $51.8M | $51.8M | ||
| Q2 25 | $51.8M | $75.9M | ||
| Q1 25 | $45.6M | $60.4M | ||
| Q4 24 | $50.3M | $9.8M | ||
| Q3 24 | $47.0M | $40.6M | ||
| Q2 24 | $51.1M | $87.0M | ||
| Q1 24 | $49.7M | $89.1M |
| Q4 25 | — | 30.2% | ||
| Q3 25 | — | 40.5% | ||
| Q2 25 | — | 40.8% | ||
| Q1 25 | — | 40.5% | ||
| Q4 24 | — | 32.7% | ||
| Q3 24 | — | 39.9% | ||
| Q2 24 | — | 44.7% | ||
| Q1 24 | — | 45.4% |
| Q4 25 | 25.7% | 2.2% | ||
| Q3 25 | 33.0% | 24.7% | ||
| Q2 25 | 36.1% | 26.4% | ||
| Q1 25 | 33.3% | 24.0% | ||
| Q4 24 | 28.9% | 9.2% | ||
| Q3 24 | 35.4% | 23.2% | ||
| Q2 24 | 39.6% | 31.1% | ||
| Q1 24 | 38.9% | 31.9% |
| Q4 25 | 30.3% | 1.4% | ||
| Q3 25 | 27.8% | 18.1% | ||
| Q2 25 | 28.4% | 19.6% | ||
| Q1 25 | 25.5% | 17.8% | ||
| Q4 24 | 27.6% | 5.8% | ||
| Q3 24 | 26.9% | 17.4% | ||
| Q2 24 | 28.4% | 23.1% | ||
| Q1 24 | 28.5% | 23.8% |
| Q4 25 | $1.27 | $0.03 | ||
| Q3 25 | $1.16 | $0.48 | ||
| Q2 25 | $1.15 | $0.71 | ||
| Q1 25 | $1.00 | $0.56 | ||
| Q4 24 | $1.10 | $0.10 | ||
| Q3 24 | $1.00 | $0.37 | ||
| Q2 24 | $1.08 | $0.80 | ||
| Q1 24 | $1.05 | $0.82 |
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 | $3.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $1.0B |
| Total Assets | $12.5B | $1.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $3.8M | ||
| Q3 25 | $740.3M | $11.4M | ||
| Q2 25 | $851.8M | $5.5M | ||
| Q1 25 | $710.6M | $5.0M | ||
| Q4 24 | $591.1M | $1.3M | ||
| Q3 24 | $680.6M | $12.8M | ||
| Q2 24 | $740.4M | $1.2M | ||
| Q1 24 | $754.4M | $3.1M |
| Q4 25 | $1.4B | $1.0B | ||
| Q3 25 | $1.4B | $1.0B | ||
| Q2 25 | $1.3B | $989.3M | ||
| Q1 25 | $1.3B | $910.1M | ||
| Q4 24 | $1.3B | $850.1M | ||
| Q3 24 | $1.3B | $887.9M | ||
| Q2 24 | $1.2B | $894.9M | ||
| Q1 24 | $1.2B | $804.1M |
| Q4 25 | $12.5B | $1.5B | ||
| Q3 25 | $12.2B | $1.5B | ||
| Q2 25 | $12.2B | $1.5B | ||
| Q1 25 | $11.7B | $1.6B | ||
| Q4 24 | $11.5B | $1.3B | ||
| Q3 24 | $11.5B | $1.3B | ||
| Q2 24 | $11.3B | $1.3B | ||
| Q1 24 | $11.2B | $1.3B |
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 | $65.5M |
| Free Cash FlowOCF − Capex | $199.3M | $22.1M |
| FCF MarginFCF / Revenue | 108.1% | 13.7% |
| Capex IntensityCapex / Revenue | 10.0% | 26.9% |
| Cash ConversionOCF / Net Profit | 3.90× | 28.45× |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $134.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $65.5M | ||
| Q3 25 | $39.5M | $196.9M | ||
| Q2 25 | $35.9M | $249.8M | ||
| Q1 25 | $83.1M | $-154.0M | ||
| Q4 24 | $252.5M | $-8.5M | ||
| Q3 24 | $58.1M | $132.8M | ||
| Q2 24 | $95.1M | $193.7M | ||
| Q1 24 | $61.0M | $-174.0M |
| Q4 25 | $199.3M | $22.1M | ||
| Q3 25 | $35.5M | $142.9M | ||
| Q2 25 | $31.8M | $203.0M | ||
| Q1 25 | $78.7M | $-233.5M | ||
| Q4 24 | $231.2M | $-89.3M | ||
| Q3 24 | $51.8M | $54.5M | ||
| Q2 24 | $90.4M | $158.2M | ||
| Q1 24 | $54.8M | $-211.8M |
| Q4 25 | 108.1% | 13.7% | ||
| Q3 25 | 19.1% | 50.1% | ||
| Q2 25 | 17.4% | 52.3% | ||
| Q1 25 | 44.1% | -68.7% | ||
| Q4 24 | 126.5% | -53.3% | ||
| Q3 24 | 29.6% | 23.3% | ||
| Q2 24 | 50.3% | 42.0% | ||
| Q1 24 | 31.4% | -56.7% |
| Q4 25 | 10.0% | 26.9% | ||
| Q3 25 | 2.1% | 18.9% | ||
| Q2 25 | 2.3% | 12.1% | ||
| Q1 25 | 2.4% | 23.4% | ||
| Q4 24 | 11.7% | 48.2% | ||
| Q3 24 | 3.6% | 33.5% | ||
| Q2 24 | 2.6% | 9.4% | ||
| Q1 24 | 3.5% | 10.1% |
| Q4 25 | 3.90× | 28.45× | ||
| Q3 25 | 0.76× | 3.80× | ||
| Q2 25 | 0.69× | 3.29× | ||
| Q1 25 | 1.82× | -2.55× | ||
| Q4 24 | 5.02× | -0.87× | ||
| Q3 24 | 1.24× | 3.27× | ||
| Q2 24 | 1.86× | 2.23× | ||
| Q1 24 | 1.23× | -1.95× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
