City Holding Company (CHCO) vs OFG Bancorp (OFG)

City Holding Company and OFG Bancorp are both Banks Regional companies. City Holding Company and OFG Bancorp are of similar size ($2.1B and $2.0B). OFG Bancorp trades at the lower P/E: 9.6× against 15.5×. City Holding Company grew revenue faster over the last twelve months: 3.37% against 1.65%. City Holding Company has the higher net margin (32.8% vs 24.7%) and the lower return on invested capital (14.0% vs 14.8%). Both pay a dividend; OFG Bancorp yields more (2.66% vs 2.55%). Across the 18 metrics below, OFG Bancorp leads on 13 and City Holding Company on 5.

Valuation

Metric CHCO OFG Banks Regional median
P/E 15.45 9.63 12.02
P/S 4.94 2.34 2.36
P/B 2.54 1.60 1.23
Price to free cash flow 14.38 11.66 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.47% 10.38% 8.21%
Free cash flow yield 6.95% 8.58% 9.23%

Profitability

Metric CHCO OFG Banks Regional median
Gross margin 80.00% 81.74% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 32.75% 24.65% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 0.00% 16.61% 10.28%
Return on assets 0.00% 1.85% 1.13%
Return on invested capital 13.98% 14.82% 8.45%

Growth

Metric CHCO OFG Banks Regional median
Revenue growth (TTM) 3.37% 1.65% 6.37%
EPS growth (last fiscal year) 13.18% 8.27% 18.85%
Revenue growth, 5-year CAGR 8.86% 8.62% 12.65%
Net income growth, 5-year CAGR 7.81% 24.78% 9.81%

Health

Metric CHCO OFG Banks Regional median
Debt to equity 0.19 0.30 0.17
Current ratio 0.00 0.86 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CHCO OFG Banks Regional median
Dividend yield 2.55% 2.66% 2.49%
Payout ratio 0.39 0.26 0.29

Size

Metric CHCO OFG Banks Regional median
Market cap 2.00b 2.14b 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack