OFG Bancorp (NYSE:OFG – Get Free Report) and Republic First Bancorp (NASDAQ:FRBK – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, earnings, dividends, risk, analyst recommendations, valuation and institutional ownership.
Institutional & Insider Ownership
92.7% of OFG Bancorp shares are held by institutional investors. Comparatively, 56.9% of Republic First Bancorp shares are held by institutional investors. 3.1% of OFG Bancorp shares are held by company insiders. Comparatively, 14.4% of Republic First Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Profitability
This table compares OFG Bancorp and Republic First Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| OFG Bancorp | 25.93% | 16.90% | 1.74% |
| Republic First Bancorp | N/A | N/A | N/A |
Volatility and Risk
Earnings and Valuation
This table compares OFG Bancorp and Republic First Bancorp’s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| OFG Bancorp | $594.19 million | 2.26 | $166.24 million | $3.64 | 7.76 |
| Republic First Bancorp | $180.55 million | 0.27 | $25.18 million | N/A | N/A |
OFG Bancorp has higher revenue and earnings than Republic First Bancorp.
Analyst Recommendations
This is a breakdown of current ratings and price targets for OFG Bancorp and Republic First Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| OFG Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| Republic First Bancorp | 0 | 0 | 0 | 0 | N/A |
OFG Bancorp currently has a consensus price target of $32.00, suggesting a potential upside of 13.23%. Republic First Bancorp has a consensus price target of $3.00, suggesting a potential upside of 291.44%. Given Republic First Bancorp’s higher probable upside, analysts plainly believe Republic First Bancorp is more favorable than OFG Bancorp.
Summary
OFG Bancorp beats Republic First Bancorp on 10 of the 12 factors compared between the two stocks.
About OFG Bancorp
OFG Bancorp, a financial holding company, provides a range of banking and financial services. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings accounts, as well as time deposit products; commercial, consumer, auto leasing, and mortgage lending services; financial planning and insurance services; and corporate and individual trust, and retirement services. In addition, it provides securities brokerage and investment advisory services, including various investment alternatives, such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients; and separately-managed accounts and mutual fund asset allocation programs. Further, the company engages in the insurance agency and reinsurance businesses; administration and servicing of retirement plans; various treasury-related functions with an investment portfolio consisting of mortgage-backed securities, obligations of U.S. government sponsored agencies, and U.S. Treasury securities and money market instruments; and management and participation in public offerings and private placements of debt and equity securities. Additionally, it offers money management and investment banking services; and engages in the asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.
About Republic First Bancorp
Republic First Bancorp, Inc. operates as the holding company for Republic First Bank that provides a range of credit and depository banking products and services to individuals and businesses. It accepts consumer and commercial deposit, checking, interest-bearing demand, money market, savings, sweep, and individual retirement accounts, as well as certificates of deposit. The company also offers secured and unsecured commercial, real estate, construction and land development, automobile, and home improvement loans; mortgages, home equity and overdraft lines of credit, and other products; and lockbox services. Republic First Bancorp, Inc. was founded in 1987 and is based in Philadelphia, Pennsylvania.
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