Hilltop (HTH) vs OFG Bancorp (OFG)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
OFG Bancorp (OFG) has outperformed Hilltop (HTH) over the past year, gaining 19.4% versus a gain of 11.3%. Over five years, OFG leads with a +97.4% price change compared with +9.1% for HTH. OFG Bancorp is the larger company by market cap ($2.14 billion vs $2.09 billion), about 1.0 times the size, while Hilltop is growing revenue faster (+7.8% vs +2.8%).
On valuation, OFG Bancorp trades at a lower forward P/E (9.8x vs 14.7x for Hilltop). OFG Bancorp offers the higher dividend yield (2.57% vs 2.09%). OFG Bancorp converts more of its revenue into profit, with a net margin of 28.0% versus 12.9%.
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 | HTH | OFG |
|---|---|---|
| Share price | $36.45 | $50.67 |
| Market cap | $2.09B | $2.14B |
| 1-day change | -0.63% | -0.49% |
| YTD return | +8.07% | +24.26% |
| 1-year return | +11.32% | +19.39% |
| 5-year return | +9.10% | +97.42% |
| P/E ratio (TTM) | 13.50 | 9.99 |
| Forward P/E | 14.73 | 9.84 |
| EPS (TTM) | $2.70 | $5.07 |
| Dividend yield | 2.09% | 2.57% |
| Annual dividend | $0.76 | $1.30 |
| Revenue (latest FY) | $1.28B | $731.44M |
| Revenue growth (YoY) | +7.83% | +2.78% |
| Net income (latest FY) | $165.59M | $205.10M |
| Net margin | 12.92% | 28.04% |
| 52-week high | $40.41 | $54.47 |
| 52-week low | $30.78 | $35.71 |
| Distance from 52-week high | -9.80% | -6.98% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +14.32% | +11.51% |
| Average volume | 285.87K | 271.08K |
| Shares outstanding | 57.29M | 42.27M |
| Employees | 3,600 | 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
- Hilltop trades at a higher earnings multiple (13.5x vs 10.0x trailing P/E).
- OFG Bancorp is more profitable, keeping 28.0 cents of every revenue dollar as net income versus 12.9 cents for Hilltop.
- Hilltop grew revenue faster in its latest fiscal year (+7.83% vs +2.78%).
About Hilltop
HTH stock →Hilltop Holdings Inc. provides business and consumer banking services.
Finance · Major Banks · 3,600 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
HTH vs OFG FAQ
Which is bigger, Hilltop or OFG Bancorp?
OFG Bancorp (OFG) is larger, with a market capitalization of $2.14B compared with $2.09B for Hilltop (HTH).
Which stock has performed better over the past year, HTH or OFG?
OFG returned +19.39% over the past 12 months, compared with +11.32% for HTH (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HTH or OFG?
OFG has the lower trailing P/E at 10.0, versus 13.5 for HTH. 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, Hilltop or OFG Bancorp?
OFG Bancorp has the higher yield at 2.57%, compared with 2.09% for Hilltop.
Are Hilltop and OFG Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.