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OFG BANCORP（OFG）与TOMPKINS FINANCIAL CORP（TMP）财务数据对比。点击上方公司名可切换其他公司
TOMPKINS FINANCIAL CORP的季度营收约是OFG BANCORP的1.1倍（$194.8M vs $184.3M），TOMPKINS FINANCIAL CORP净利率更高（49.4% vs 30.3%，领先19.1%），TOMPKINS FINANCIAL CORP同比增速更快（152.7% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $31.9M），过去两年TOMPKINS FINANCIAL CORP的营收复合增速更高（63.6% vs 2.8%）
OFG Bancorp成立于1964年，总部位于波多黎各圣胡安，是东方银行的金融控股公司。公司通过东方银行、东方金融服务有限责任公司、东方保险有限责任公司等核心子公司，主要面向波多黎各和美属维尔京群岛市场，提供多元化的零售与商业银行、贷款、财富管理相关产品、服务及技术解决方案。
汤普金斯金融公司是一家小型多元化金融服务企业，总部位于纽约州伊萨卡，是汤普金斯信托银行及其他多家银行、一家保险代理机构和财富管理部门的母公司。
OFG vs TMP — 直观对比
营收规模更大
TMP
是对方的1.1倍
$184.3M
营收增速更快
TMP
高出151.8%
0.9%
净利率更高
TMP
高出19.1%
30.3%
自由现金流更多
OFG
多$167.4M
$31.9M
两年增速更快
TMP
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $194.8M |
| 净利润 | $55.9M | $96.2M |
| 毛利率 | — | — |
| 营业利润率 | 25.7% | 71.7% |
| 净利率 | 30.3% | 49.4% |
| 营收同比 | 0.9% | 152.7% |
| 净利润同比 | 11.0% | 388.9% |
| 每股收益（稀释后） | $1.27 | $6.72 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收OFGTMP
| Q4 25 | $184.3M | $194.8M | ||
| Q3 25 | $186.2M | $87.4M | ||
| Q2 25 | $182.4M | $82.6M | ||
| Q1 25 | $178.6M | $81.7M | ||
| Q4 24 | $182.7M | $77.1M | ||
| Q3 24 | $174.7M | $76.6M | ||
| Q2 24 | $179.8M | $72.7M | ||
| Q1 24 | $174.4M | $72.8M |
净利润OFGTMP
| Q4 25 | $55.9M | $96.2M | ||
| Q3 25 | $51.8M | $23.7M | ||
| Q2 25 | $51.8M | $21.5M | ||
| Q1 25 | $45.6M | $19.7M | ||
| Q4 24 | $50.3M | $19.7M | ||
| Q3 24 | $47.0M | $18.6M | ||
| Q2 24 | $51.1M | $15.7M | ||
| Q1 24 | $49.7M | $16.9M |
营业利润率OFGTMP
| Q4 25 | 25.7% | 71.7% | ||
| Q3 25 | 33.0% | 35.6% | ||
| Q2 25 | 36.1% | 34.2% | ||
| Q1 25 | 33.3% | 31.6% | ||
| Q4 24 | 28.9% | 33.4% | ||
| Q3 24 | 35.4% | 32.0% | ||
| Q2 24 | 39.6% | 28.3% | ||
| Q1 24 | 38.9% | 30.4% |
净利率OFGTMP
| Q4 25 | 30.3% | 49.4% | ||
| Q3 25 | 27.8% | 27.1% | ||
| Q2 25 | 28.4% | 26.0% | ||
| Q1 25 | 25.5% | 24.1% | ||
| Q4 24 | 27.6% | 25.5% | ||
| Q3 24 | 26.9% | 24.3% | ||
| Q2 24 | 28.4% | 21.6% | ||
| Q1 24 | 28.5% | 23.2% |
每股收益（稀释后）OFGTMP
| Q4 25 | $1.27 | $6.72 | ||
| Q3 25 | $1.16 | $1.65 | ||
| Q2 25 | $1.15 | $1.50 | ||
| Q1 25 | $1.00 | $1.37 | ||
| Q4 24 | $1.10 | $1.39 | ||
| Q3 24 | $1.00 | $1.30 | ||
| Q2 24 | $1.08 | $1.10 | ||
| Q1 24 | $1.05 | $1.18 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $1.0B | $132.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $938.4M |
| 总资产 | $12.5B | $8.7B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资OFGTMP
| Q4 25 | $1.0B | $132.8M | ||
| Q3 25 | $740.3M | $193.5M | ||
| Q2 25 | $851.8M | $212.6M | ||
| Q1 25 | $710.6M | $193.1M | ||
| Q4 24 | $591.1M | $134.4M | ||
| Q3 24 | $680.6M | $132.3M | ||
| Q2 24 | $740.4M | $70.9M | ||
| Q1 24 | $754.4M | $57.1M |
股东权益OFGTMP
| Q4 25 | $1.4B | $938.4M | ||
| Q3 25 | $1.4B | $788.8M | ||
| Q2 25 | $1.3B | $761.8M | ||
| Q1 25 | $1.3B | $741.4M | ||
| Q4 24 | $1.3B | $713.4M | ||
| Q3 24 | $1.3B | $719.9M | ||
| Q2 24 | $1.2B | $674.6M | ||
| Q1 24 | $1.2B | $667.9M |
总资产OFGTMP
| Q4 25 | $12.5B | $8.7B | ||
| Q3 25 | $12.2B | $8.5B | ||
| Q2 25 | $12.2B | $8.4B | ||
| Q1 25 | $11.7B | $8.2B | ||
| Q4 24 | $11.5B | $8.1B | ||
| Q3 24 | $11.5B | $8.0B | ||
| Q2 24 | $11.3B | $7.9B | ||
| Q1 24 | $11.2B | $7.8B |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $217.7M | $38.9M |
| 自由现金流经营现金流 - 资本支出 | $199.3M | $31.9M |
| 自由现金流率自由现金流/营收 | 108.1% | 16.4% |
| 资本支出强度资本支出/营收 | 10.0% | 3.6% |
| 现金转化率经营现金流/净利润 | 3.90× | 0.40× |
| 过去12个月自由现金流最近4个季度 | $345.4M | $105.0M |
8季度趋势，按日历期对齐
经营现金流OFGTMP
| Q4 25 | $217.7M | $38.9M | ||
| Q3 25 | $39.5M | $34.9M | ||
| Q2 25 | $35.9M | $18.9M | ||
| Q1 25 | $83.1M | $22.2M | ||
| Q4 24 | $252.5M | $95.0M | ||
| Q3 24 | $58.1M | $21.2M | ||
| Q2 24 | $95.1M | $27.3M | ||
| Q1 24 | $61.0M | $23.2M |
自由现金流OFGTMP
| Q4 25 | $199.3M | $31.9M | ||
| Q3 25 | $35.5M | $33.9M | ||
| Q2 25 | $31.8M | $18.3M | ||
| Q1 25 | $78.7M | $20.9M | ||
| Q4 24 | $231.2M | $88.8M | ||
| Q3 24 | $51.8M | $18.9M | ||
| Q2 24 | $90.4M | $26.3M | ||
| Q1 24 | $54.8M | $21.9M |
自由现金流率OFGTMP
| Q4 25 | 108.1% | 16.4% | ||
| Q3 25 | 19.1% | 38.8% | ||
| Q2 25 | 17.4% | 22.1% | ||
| Q1 25 | 44.1% | 25.5% | ||
| Q4 24 | 126.5% | 115.1% | ||
| Q3 24 | 29.6% | 24.7% | ||
| Q2 24 | 50.3% | 36.2% | ||
| Q1 24 | 31.4% | 30.0% |
资本支出强度OFGTMP
| Q4 25 | 10.0% | 3.6% | ||
| Q3 25 | 2.1% | 1.1% | ||
| Q2 25 | 2.3% | 0.8% | ||
| Q1 25 | 2.4% | 1.7% | ||
| Q4 24 | 11.7% | 8.1% | ||
| Q3 24 | 3.6% | 2.9% | ||
| Q2 24 | 2.6% | 1.3% | ||
| Q1 24 | 3.5% | 1.9% |
现金转化率OFGTMP
| Q4 25 | 3.90× | 0.40× | ||
| Q3 25 | 0.76× | 1.47× | ||
| Q2 25 | 0.69× | 0.88× | ||
| Q1 25 | 1.82× | 1.13× | ||
| Q4 24 | 5.02× | 4.82× | ||
| Q3 24 | 1.24× | 1.14× | ||
| Q2 24 | 1.86× | 1.74× | ||
| Q1 24 | 1.23× | 1.38× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
