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