COMP <GO>

OFG vs WAFD // PIOTROSKI F-SCORE QUALITY

OFG Bancorp (NYSE) VS. WaFd Inc. (NASDAQ) • 15-METRIC TALLY: OFG 1 — WAFD 6

▲ PIOTROSKI F-SCORE QUALITY LEADER: WAFD

LAST: $50.88 (+0.26%) • MKT CAP: $2.15B

piotroski-score

5/9

LAST: $29.66 (+1.16%) • MKT CAP: $2.19B

piotroski-score

6/9

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	—	—	—	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 ACTIVE	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 —