OFG Bancorp (OFG)vsWells Fargo & Company (WFC)
OFG
OFG Bancorp
$52.66
+0.19%
FINANCIAL SERVICES · Cap: $2.22B
WFC
Wells Fargo & Company
$90.29
+0.94%
FINANCIAL SERVICES · Cap: $273.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 12650% more annual revenue ($83.03B vs $651.16M). OFG leads profitability with a 33.9% profit margin vs 27.2%. OFG appears more attractively valued with a PEG of 0.92. OFG earns a higher WallStSmart Score of 81/100 (A-).
OFG
Exceptional Buy81
out of 100
Grade: A-
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.3%
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 20.9% YoY
Mega-cap, among the largest globally
Strong operational efficiency at 37.4%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : OFG
The strongest argument for OFG centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.3%. Revenue growth of 10.4% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%.
Bear Case : OFG
The primary concerns for OFG are Piotroski F-Score, Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
WFC carries more volatility with a beta of 0.92 — expect wider price swings.
OFG is growing revenue faster at 10.4% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
OFG scores higher overall (81/100 vs 76/100), backed by strong 33.9% margins and 10.4% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
OFG Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OFG Bancorp, a financial holding company, offers a range of banking and financial services. The company is headquartered in San Juan, Puerto Rico.
Visit Website →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?