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Enterprise Financial Services Corporation (EFSC) vs OFG Bancorp (OFG)

Enterprise Financial Services Corporation and OFG Bancorp are both Banks Regional companies. Enterprise Financial Services Corporation and OFG Bancorp are of similar size ($2.2B and $2.2B). OFG Bancorp trades at the lower P/E: 10.2× against 12.0×. Enterprise Financial Services Corporation grew revenue faster over the last twelve months: 7.96% against 3.82%. OFG Bancorp has the higher net margin (24.0% vs 18.3%) and the higher return on invested capital (15.0% vs 7.88%). Both pay a dividend; Enterprise Financial Services Corporation yields more (2.63% vs 2.45%). Across the 20 metrics below, OFG Bancorp leads on 12 and Enterprise Financial Services Corporation on 8.

Valuation

Metric EFSC OFG Banks Regional median
P/E 12.02 10.18 12.15
P/S 2.18 2.39 2.37
P/B 1.13 1.56 1.21
Price to free cash flow 10.45 11.95 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.31 2.01 2.27
Earnings yield 8.32% 9.82% 8.11%
Free cash flow yield 9.57% 8.37% 8.98%

Profitability

Metric EFSC OFG Banks Regional median
Gross margin 75.39% 81.45% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.31% 24.04% 18.66%
Free cash flow margin 20.85% 22.26% 21.18%
Return on equity 9.77% 16.08% 10.64%
Return on assets 1.11% 1.81% 1.13%
Return on invested capital 7.88% 14.96% 8.33%

Growth

Metric EFSC OFG Banks Regional median
Revenue growth (TTM) 7.96% 3.82% 6.61%
EPS growth (last fiscal year) 9.94% 8.27% —
Revenue growth, 5-year CAGR 22.76% 8.62% 12.30%
Net income growth, 5-year CAGR 21.58% 24.78% 9.71%

Health

Metric EFSC OFG Banks Regional median
Debt to equity 0.33 0.32 0.22
Current ratio 0.85 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EFSC OFG Banks Regional median
Dividend yield 2.63% 2.45% 3.75%
Payout ratio 0.17 0.22 0.27

Size

Metric EFSC OFG Banks Regional median
Market cap 2.20b 2.19b 921.07m

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