Contrasting OFG Bancorp (NYSE:OFG) & Central Plains Bancshares (NASDAQ:CPBI)

OFG Bancorp (NYSE:OFG) and Central Plains Bancshares (NASDAQ:CPBI) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, valuation, institutional ownership, risk, profitability, earnings and analyst recommendations.

Risk and Volatility

OFG Bancorp has a beta of 0.68, indicating that its share price is 32% less volatile than the S&P 500. Comparatively, Central Plains Bancshares has a beta of 0.18, indicating that its share price is 82% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations for OFG Bancorp and Central Plains Bancshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OFG Bancorp	0	5	2	0	2.29
Central Plains Bancshares	0	1	0	0	2.00

OFG Bancorp presently has a consensus target price of $55.20, indicating a potential upside of 6.71%. Given OFG Bancorp’s stronger consensus rating and higher possible upside, equities research analysts clearly believe OFG Bancorp is more favorable than Central Plains Bancshares.

Earnings & Valuation

This table compares OFG Bancorp and Central Plains Bancshares”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OFG Bancorp	$902.28 million	2.42	$205.10 million	$5.08	10.18
Central Plains Bancshares	$30.33 million	2.76	$4.00 million	$1.18	17.03

OFG Bancorp has higher revenue and earnings than Central Plains Bancshares. OFG Bancorp is trading at a lower price-to-earnings ratio than Central Plains Bancshares, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

92.7% of OFG Bancorp shares are held by institutional investors. Comparatively, 24.3% of Central Plains Bancshares shares are held by institutional investors. 1.2% of OFG Bancorp shares are held by insiders. Comparatively, 8.6% of Central Plains Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares OFG Bancorp and Central Plains Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
OFG Bancorp	24.08%	15.92%	1.80%
Central Plains Bancshares	14.33%	5.14%	0.83%

Summary

OFG Bancorp beats Central Plains Bancshares on 11 of the 14 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, and individual retirement accounts; certificate of deposits, as well as time deposit products; commercial, consumer, auto leasing, and mortgage lending services; credit cards; cash management; 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; and 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. 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. The company provides investment brokerage, transactional, international trade financing, residential mortgage, and consumer finance services. OFG Bancorp was founded in 1964 and is headquartered in San Juan, Puerto Rico.

About Central Plains Bancshares

Central Plains Bancshares, Inc. focuses on providing various banking products and services to retail customers, and small and medium-sized commercial customers in Nebraska, the United States. It offers checking accounts, savings accounts, and certificate of deposit accounts. The company also provides one- to four-family residential mortgage loans secured by properties, as well as commercial real estate loans, commercial and industrial loans, multi-family residential real estate loans, construction and land development loans, agricultural real estate and non-real estate loans, and consumer loans. In addition, it offers electronic banking services, including mobile banking, on-line banking and bill pay, and electronic funds transfer. The company was incorporated in 2023 and is based in Grand Island, Nebraska.