City (CHCO) vs OFG Bancorp (OFG)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
OFG Bancorp (OFG) has outperformed City (CHCO) over the past year, gaining 17.5% versus a gain of 15.3%. Over five years, OFG leads with a +99.2% price change compared with +82.9% for CHCO. OFG Bancorp is the larger company by market cap ($2.14 billion vs $1.97 billion), about 1.1 times the size, while City is growing revenue faster (+3.2% vs +2.8%).
On valuation, OFG Bancorp trades at a lower forward P/E (9.8x vs 14.5x for City). OFG Bancorp offers the higher dividend yield (2.57% vs 2.49%). City converts more of its revenue into profit, with a net margin of 175.6% versus 28.0%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CHCO | OFG |
|---|---|---|
| Share price | $139.97 | $50.54 |
| Market cap | $1.97B | $2.14B |
| 1-day change | -0.46% | -0.75% |
| YTD return | +17.42% | +23.33% |
| 1-year return | +15.30% | +17.45% |
| 5-year return | +82.92% | +99.22% |
| P/E ratio (TTM) | 15.31 | 10.05 |
| Forward P/E | 14.49 | 9.81 |
| EPS (TTM) | $9.14 | $5.03 |
| Dividend yield | 2.49% | 2.57% |
| Annual dividend | $3.48 | $1.30 |
| Revenue (latest FY) | $74.29M | $731.44M |
| Revenue growth (YoY) | +3.19% | +2.78% |
| Net income (latest FY) | $130.49M | $205.10M |
| Net margin | 175.65% | 28.04% |
| 52-week high | $148.99 | $54.47 |
| 52-week low | $113.21 | $35.71 |
| Distance from 52-week high | -6.05% | -7.21% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +1.74% | +11.79% |
| Average volume | 122.16K | 269.92K |
| Shares outstanding | 14.05M | 42.27M |
| Employees | 924 | 2,185 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- City trades at a higher earnings multiple (15.3x vs 10.0x trailing P/E).
- City is more profitable, keeping 175.6 cents of every revenue dollar as net income versus 28.0 cents for OFG Bancorp.
About City
CHCO stock →City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts.
Finance · Major Banks · 924 employees
About OFG Bancorp
OFG stock →OFG Bancorp, a financial holding company, provides a range of banking and financial services in the United States. It operates through three segments: Banking, Wealth Management, and Treasury.
Finance · Major Banks · 2,185 employees
CHCO vs OFG FAQ
Which is bigger, City or OFG Bancorp?
OFG Bancorp (OFG) is larger, with a market capitalization of $2.14B compared with $1.97B for City (CHCO).
Which stock has performed better over the past year, CHCO or OFG?
OFG returned +17.45% over the past 12 months, compared with +15.30% for CHCO (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHCO or OFG?
OFG has the lower trailing P/E at 10.0, versus 15.3 for CHCO. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, City or OFG Bancorp?
OFG Bancorp has the higher yield at 2.57%, compared with 2.49% for City.
Are City and OFG Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.