COMP <GO>
OFG vs WAFD // EV/EBITDA & P/E VALUATION
OFG Bancorp (NYSE) VS. WaFd Inc. (NASDAQ) • 15-METRIC TALLY: OFG 1
— WAFD 6
■ METRIC PARITY
LAST: $50.88 (+0.26%) • MKT CAP: $2.15B
valuation
—
LAST: $29.66 (+1.16%) • MKT CAP: $2.19B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OFG VS. WAFD)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OFG | WAFD | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 14.80% | 7.50% | +7.30 | OFG | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.27% | 9.49% | -0.22 | WAFD | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 7.80% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.41% | 3.86% | -1.45 | WAFD | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | WAFD | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 40.4 | 41.4 | -1.01 | WAFD | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.8x | 9.0x | +0.80 | WAFD | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.15B | $2.19B | -$44.2M | WAFD | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OFG REV | WAFD REV | OFG GROSS % | WAFD GROSS % | OFG FCF | WAFD FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $29.6M | — | — | $199.3M | $208.2M |
| FY 2024 | $0 | $27.5M | — | — | $231.2M | $414.6M |
| FY 2023 | $0 | $26.1M | — | — | $295.7M | $214.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OFG // BETA —
WAFD // BETA —