COMP <GO>
OFG vs NWBI // RETURN ON INVESTED CAPITAL (ROIC)
OFG Bancorp (NYSE) VS. Northwest Bancshares Inc. (NASDAQ) • 15-METRIC TALLY: OFG 3
— NWBI 3
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: OFG
LAST: $50.88 (+0.26%) • MKT CAP: $2.15B
roic
14.80%
LAST: $15.34 (+0.79%) • MKT CAP: $2.25B
roic
6.70%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OFG VS. NWBI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OFG | NWBI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 14.80% | 6.70% | +8.10 | OFG | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.27% | 6.31% | +2.96 | OFG | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.41% | 4.89% | -2.48 | NWBI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 40.4 | 52.4 | -12.01 | NWBI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.8x | 16.6x | -6.80 | OFG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.15B | $2.25B | -$96.2M | NWBI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OFG REV | NWBI REV | OFG GROSS % | NWBI GROSS % | OFG FCF | NWBI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $199.3M | $141.8M |
| FY 2024 | $0 | $0 | — | — | $231.2M | $125.4M |
| FY 2023 | $0 | $0 | — | — | $295.7M | $92.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OFG // BETA —
NWBI // BETA —