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Beacon Financial Corporation (BBT) vs OFG Bancorp (OFG)

Beacon Financial Corporation and OFG Bancorp are both Banks Regional companies. Beacon Financial Corporation and OFG Bancorp are of similar size ($2.3B and $2.2B). OFG Bancorp trades at the lower P/E: 10.3× against 15.1×. Beacon Financial Corporation grew revenue faster over the last twelve months: 76.4% against 3.82%. OFG Bancorp has the higher net margin (24.0% vs 13.3%) and the higher return on invested capital (15.0% vs 8.28%). Only OFG Bancorp pays a dividend (2.56%). Across the 19 metrics below, OFG Bancorp leads on 11 and Beacon Financial Corporation on 8.

Valuation

Metric BBT OFG Banks Regional median
P/E 15.07 10.32 11.98
P/S 1.92 2.43 2.34
P/B 0.91 1.58 1.19
Price to free cash flow 10.69 12.11 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.63% 9.69% 8.23%
Free cash flow yield 9.36% 8.26% 9.08%

Profitability

Metric BBT OFG Banks Regional median
Gross margin 66.78% 81.45% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.32% 24.04% 18.66%
Free cash flow margin 18.00% 22.26% 21.11%
Return on equity 8.49% 16.08% 10.65%
Return on assets 0.93% 1.81% 1.13%
Return on invested capital 8.28% 14.96% 8.35%

Growth

Metric BBT OFG Banks Regional median
Revenue growth (TTM) 76.38% 3.82% 6.98%
EPS growth (last fiscal year) 33.85% 8.27% 18.88%
Revenue growth, 5-year CAGR 13.14% 8.62% 12.38%
Net income growth, 5-year CAGR 0.00% 24.78% 9.71%

Health

Metric BBT OFG Banks Regional median
Debt to equity 0.35 0.32 0.22
Current ratio 1.00 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBT OFG Banks Regional median
Dividend yield 0.00% 2.56% 2.57%
Payout ratio 0.00 0.27 0.30

Size

Metric BBT OFG Banks Regional median
Market cap 2.30b 2.20b 913.33m

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