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Side-by-side financial comparison of OFG BANCORP (OFG) and CVR PARTNERS, LP (UAN). Click either name above to swap in a different company.
OFG BANCORP is the larger business by last-quarter revenue ($184.3M vs $180.0M, roughly 1.0× CVR PARTNERS, LP). OFG BANCORP runs the higher net margin — 30.3% vs 27.7%, a 2.6% gap on every dollar of revenue. On growth, CVR PARTNERS, LP posted the faster year-over-year revenue change (26.0% vs 0.9%). Over the past eight quarters, CVR PARTNERS, LP's revenue compounded faster (16.4% 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....
CVR Partners, LP is a leading North American producer of nitrogen-based fertilizer products, primarily urea ammonium nitrate (UAN) and ammonia. It serves agricultural, industrial and commercial markets across the U.S. and Canada, delivering cost-effective, high-quality nutrient solutions for crop production and diverse industrial use cases.
OFG vs UAN — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $180.0M |
| Net Profit | $55.9M | $49.9M |
| Gross Margin | — | 37.5% |
| Operating Margin | 25.7% | 32.0% |
| Net Margin | 30.3% | 27.7% |
| Revenue YoY | 0.9% | 26.0% |
| Net Profit YoY | 11.0% | 84.3% |
| EPS (diluted) | $1.27 | — |
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 | — | $180.0M | ||
| Q4 25 | $184.3M | $131.1M | ||
| Q3 25 | $186.2M | $163.5M | ||
| Q2 25 | $182.4M | $168.6M | ||
| Q1 25 | $178.6M | $142.9M | ||
| Q4 24 | $182.7M | $139.6M | ||
| Q3 24 | $174.7M | $125.2M | ||
| Q2 24 | $179.8M | $132.9M |
| Q1 26 | — | $49.9M | ||
| Q4 25 | $55.9M | $-10.3M | ||
| Q3 25 | $51.8M | $43.1M | ||
| Q2 25 | $51.8M | $38.8M | ||
| Q1 25 | $45.6M | $27.1M | ||
| Q4 24 | $50.3M | $18.3M | ||
| Q3 24 | $47.0M | $3.8M | ||
| Q2 24 | $51.1M | $26.2M |
| Q1 26 | — | 37.5% | ||
| Q4 25 | — | 4.4% | ||
| Q3 25 | — | 37.0% | ||
| Q2 25 | — | 32.4% | ||
| Q1 25 | — | 29.7% | ||
| Q4 24 | — | 23.8% | ||
| Q3 24 | — | 14.7% | ||
| Q2 24 | — | 30.0% |
| Q1 26 | — | 32.0% | ||
| Q4 25 | 25.7% | -2.2% | ||
| Q3 25 | 33.0% | 31.0% | ||
| Q2 25 | 36.1% | 27.5% | ||
| Q1 25 | 33.3% | 24.2% | ||
| Q4 24 | 28.9% | 18.4% | ||
| Q3 24 | 35.4% | 8.8% | ||
| Q2 24 | 39.6% | 25.3% |
| Q1 26 | — | 27.7% | ||
| Q4 25 | 30.3% | -7.8% | ||
| Q3 25 | 27.8% | 26.3% | ||
| Q2 25 | 28.4% | 23.0% | ||
| Q1 25 | 25.5% | 19.0% | ||
| Q4 24 | 27.6% | 13.1% | ||
| Q3 24 | 26.9% | 3.0% | ||
| Q2 24 | 28.4% | 19.7% |
| Q1 26 | — | — | ||
| Q4 25 | $1.27 | $-0.98 | ||
| Q3 25 | $1.16 | $4.08 | ||
| Q2 25 | $1.15 | $3.67 | ||
| Q1 25 | $1.00 | $2.56 | ||
| Q4 24 | $1.10 | $1.73 | ||
| Q3 24 | $1.00 | $0.36 | ||
| Q2 24 | $1.08 | $2.48 |
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 | $128.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | — |
| Total Assets | $12.5B | $1.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $128.1M | ||
| Q4 25 | $1.0B | $69.2M | ||
| Q3 25 | $740.3M | $156.2M | ||
| Q2 25 | $851.8M | $114.4M | ||
| Q1 25 | $710.6M | $121.8M | ||
| Q4 24 | $591.1M | $90.9M | ||
| Q3 24 | $680.6M | $110.5M | ||
| Q2 24 | $740.4M | $47.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $569.1M | ||
| Q3 25 | — | $569.1M | ||
| Q2 25 | — | $569.2M | ||
| Q1 25 | — | $569.3M | ||
| Q4 24 | — | $568.0M | ||
| Q3 24 | — | $547.7M | ||
| Q2 24 | — | $547.6M |
| Q1 26 | — | — | ||
| Q4 25 | $1.4B | — | ||
| Q3 25 | $1.4B | — | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.2B | — |
| Q1 26 | — | $1.0B | ||
| Q4 25 | $12.5B | $969.5M | ||
| Q3 25 | $12.2B | $1.0B | ||
| Q2 25 | $12.2B | $998.0M | ||
| Q1 25 | $11.7B | $1.0B | ||
| Q4 24 | $11.5B | $1.0B | ||
| Q3 24 | $11.5B | $986.6M | ||
| Q2 24 | $11.3B | $959.4M |
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% | 7.6% |
| 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 | $-21.6M | ||
| Q3 25 | $39.5M | $91.7M | ||
| Q2 25 | $35.9M | $24.1M | ||
| Q1 25 | $83.1M | $55.4M | ||
| Q4 24 | $252.5M | $12.8M | ||
| Q3 24 | $58.1M | $86.7M | ||
| Q2 24 | $95.1M | $8.6M |
| Q1 26 | — | — | ||
| Q4 25 | $199.3M | $-45.2M | ||
| Q3 25 | $35.5M | $80.1M | ||
| Q2 25 | $31.8M | $18.4M | ||
| Q1 25 | $78.7M | $45.5M | ||
| Q4 24 | $231.2M | $-5.6M | ||
| Q3 24 | $51.8M | $82.3M | ||
| Q2 24 | $90.4M | $2.4M |
| Q1 26 | — | — | ||
| Q4 25 | 108.1% | -34.5% | ||
| Q3 25 | 19.1% | 49.0% | ||
| Q2 25 | 17.4% | 10.9% | ||
| Q1 25 | 44.1% | 31.9% | ||
| Q4 24 | 126.5% | -4.0% | ||
| Q3 24 | 29.6% | 65.7% | ||
| Q2 24 | 50.3% | 1.8% |
| Q1 26 | — | 7.6% | ||
| Q4 25 | 10.0% | 18.0% | ||
| Q3 25 | 2.1% | 7.1% | ||
| Q2 25 | 2.3% | 3.4% | ||
| Q1 25 | 2.4% | 6.9% | ||
| Q4 24 | 11.7% | 13.1% | ||
| Q3 24 | 3.6% | 3.6% | ||
| Q2 24 | 2.6% | 4.6% |
| Q1 26 | — | — | ||
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | 2.13× | ||
| Q2 25 | 0.69× | 0.62× | ||
| Q1 25 | 1.82× | 2.04× | ||
| Q4 24 | 5.02× | 0.70× | ||
| Q3 24 | 1.24× | 22.78× | ||
| Q2 24 | 1.86× | 0.33× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
UAN
| Fertilizer sales | $166.1M | 92% |
| Other | $14.0M | 8% |
