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Side-by-side financial comparison of OFG BANCORP (OFG) and Urban Edge Properties (UE). Click either name above to swap in a different company.
OFG BANCORP is the larger business by last-quarter revenue ($184.3M vs $132.6M, roughly 1.4× Urban Edge Properties). OFG BANCORP runs the higher net margin — 30.3% vs 17.1%, a 13.2% gap on every dollar of revenue. On growth, Urban Edge Properties posted the faster year-over-year revenue change (12.2% vs 0.9%). Over the past eight quarters, Urban Edge Properties's revenue compounded faster (11.6% 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....
Urban Edge Properties is a publicly traded real estate investment trust (REIT) that owns, operates, and develops high-quality retail and mixed-use properties, primarily located in densely populated urban and suburban markets across the United States. Its portfolio covers grocery-anchored shopping centers, lifestyle outlets, and community-focused commercial assets.
OFG vs UE — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $132.6M |
| Net Profit | $55.9M | $22.6M |
| Gross Margin | — | — |
| Operating Margin | 25.7% | — |
| Net Margin | 30.3% | 17.1% |
| Revenue YoY | 0.9% | 12.2% |
| Net Profit YoY | 11.0% | -6.7% |
| EPS (diluted) | $1.27 | $0.18 |
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 | — | $132.6M | ||
| Q4 25 | $184.3M | $119.6M | ||
| Q3 25 | $186.2M | $120.1M | ||
| Q2 25 | $182.4M | $114.1M | ||
| Q1 25 | $178.6M | $118.2M | ||
| Q4 24 | $182.7M | $116.4M | ||
| Q3 24 | $174.7M | $112.4M | ||
| Q2 24 | $179.8M | $106.5M |
| Q1 26 | — | $22.6M | ||
| Q4 25 | $55.9M | $12.4M | ||
| Q3 25 | $51.8M | $14.9M | ||
| Q2 25 | $51.8M | $58.0M | ||
| Q1 25 | $45.6M | $8.2M | ||
| Q4 24 | $50.3M | $30.1M | ||
| Q3 24 | $47.0M | $9.1M | ||
| Q2 24 | $51.1M | $30.8M |
| Q1 26 | — | — | ||
| Q4 25 | 25.7% | 11.3% | ||
| Q3 25 | 33.0% | 13.4% | ||
| Q2 25 | 36.1% | 53.9% | ||
| Q1 25 | 33.3% | 7.6% | ||
| Q4 24 | 28.9% | 27.6% | ||
| Q3 24 | 35.4% | 8.9% | ||
| Q2 24 | 39.6% | 30.6% |
| Q1 26 | — | 17.1% | ||
| Q4 25 | 30.3% | 10.4% | ||
| Q3 25 | 27.8% | 12.4% | ||
| Q2 25 | 28.4% | 50.8% | ||
| Q1 25 | 25.5% | 6.9% | ||
| Q4 24 | 27.6% | 25.9% | ||
| Q3 24 | 26.9% | 8.1% | ||
| Q2 24 | 28.4% | 28.9% |
| Q1 26 | — | $0.18 | ||
| Q4 25 | $1.27 | $0.09 | ||
| Q3 25 | $1.16 | $0.12 | ||
| Q2 25 | $1.15 | $0.46 | ||
| Q1 25 | $1.00 | $0.07 | ||
| Q4 24 | $1.10 | $0.25 | ||
| Q3 24 | $1.00 | $0.07 | ||
| Q2 24 | $1.08 | $0.26 |
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 | $50.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $1.4B |
| Total Assets | $12.5B | $3.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $50.0M | ||
| Q4 25 | $1.0B | $48.9M | ||
| Q3 25 | $740.3M | $77.8M | ||
| Q2 25 | $851.8M | $53.0M | ||
| Q1 25 | $710.6M | $48.0M | ||
| Q4 24 | $591.1M | $41.4M | ||
| Q3 24 | $680.6M | $67.9M | ||
| Q2 24 | $740.4M | $78.6M |
| Q1 26 | — | $1.4B | ||
| Q4 25 | $1.4B | $1.4B | ||
| Q3 25 | $1.4B | $1.4B | ||
| Q2 25 | $1.3B | $1.4B | ||
| Q1 25 | $1.3B | $1.4B | ||
| Q4 24 | $1.3B | $1.4B | ||
| Q3 24 | $1.3B | $1.3B | ||
| Q2 24 | $1.2B | $1.3B |
| Q1 26 | — | $3.4B | ||
| Q4 25 | $12.5B | $3.3B | ||
| Q3 25 | $12.2B | $3.3B | ||
| Q2 25 | $12.2B | $3.3B | ||
| Q1 25 | $11.7B | $3.3B | ||
| Q4 24 | $11.5B | $3.3B | ||
| Q3 24 | $11.5B | $3.2B | ||
| Q2 24 | $11.3B | $3.2B |
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 | $39.1M |
| Free Cash FlowOCF − Capex | $199.3M | — |
| FCF MarginFCF / Revenue | 108.1% | — |
| Capex IntensityCapex / Revenue | 10.0% | 1.5% |
| Cash ConversionOCF / Net Profit | 3.90× | 1.73× |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $39.1M | ||
| Q4 25 | $217.7M | $182.7M | ||
| Q3 25 | $39.5M | $55.7M | ||
| Q2 25 | $35.9M | $43.5M | ||
| Q1 25 | $83.1M | $32.6M | ||
| Q4 24 | $252.5M | $153.2M | ||
| Q3 24 | $58.1M | $36.6M | ||
| Q2 24 | $95.1M | $41.2M |
| Q1 26 | — | — | ||
| Q4 25 | $199.3M | $81.8M | ||
| Q3 25 | $35.5M | $26.1M | ||
| Q2 25 | $31.8M | $19.6M | ||
| Q1 25 | $78.7M | $11.9M | ||
| Q4 24 | $231.2M | $42.5M | ||
| Q3 24 | $51.8M | $12.2M | ||
| Q2 24 | $90.4M | $19.9M |
| Q1 26 | — | — | ||
| Q4 25 | 108.1% | 68.4% | ||
| Q3 25 | 19.1% | 21.7% | ||
| Q2 25 | 17.4% | 17.2% | ||
| Q1 25 | 44.1% | 10.0% | ||
| Q4 24 | 126.5% | 36.6% | ||
| Q3 24 | 29.6% | 10.8% | ||
| Q2 24 | 50.3% | 18.6% |
| Q1 26 | — | 1.5% | ||
| Q4 25 | 10.0% | 84.4% | ||
| Q3 25 | 2.1% | 24.6% | ||
| Q2 25 | 2.3% | 20.9% | ||
| Q1 25 | 2.4% | 17.5% | ||
| Q4 24 | 11.7% | 95.1% | ||
| Q3 24 | 3.6% | 21.7% | ||
| Q2 24 | 2.6% | 20.1% |
| Q1 26 | — | 1.73× | ||
| Q4 25 | 3.90× | 14.71× | ||
| Q3 25 | 0.76× | 3.73× | ||
| Q2 25 | 0.69× | 0.75× | ||
| Q1 25 | 1.82× | 3.97× | ||
| Q4 24 | 5.02× | 5.09× | ||
| Q3 24 | 1.24× | 4.03× | ||
| Q2 24 | 1.86× | 1.34× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OFG
Segment breakdown not available.
UE
| Rental revenue | $124.2M | 94% |
| Other | $8.4M | 6% |
