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Enterprise Financial Services vs OFG Bancorp: EFSC and OFG compared
Enterprise Financial Services is the larger company: $188M of revenue in its latest quarter (Q3 2026) against $186M for OFG Bancorp (Q3 2026). OFG Bancorp is growing faster (0% against -9% a year earlier). OFG Bancorp is more profitable, with an operating margin of 38.6% against 29.3%.
Where the money goes: EFSC and OFG
Enterprise Financial Services (EFSC) · Q3 2026
Enterprise Financial Services, Q3 2026: revenue $188M (-9% year over year), operating margin 29.3%, net earnings $42.4M, operating cash flow $72.7M. The chart follows the revenue to costs, profit and cash.
OFG Bancorp (OFG) · Q3 2026
OFG Bancorp, Q3 2026: revenue $186M (0% year over year), operating margin 38.6%, net earnings $56.6M, operating cash flow $88.5M. The chart follows the revenue to costs, profit and cash.
| Enterprise Financial Services (EFSC) | OFG Bancorp (OFG) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $188M | $186M |
| Revenue growth, Y/Y | -9% | 0% |
| Operating margin | 29.3% | 38.6% |
| Net earnings | $42.4M | $56.6M |
| Net margin | 22.6% | 30.4% |
| Operating cash flow | $72.7M | $88.5M |
| Free cash flow | $71.1M | $83.2M |
| Market value | $2.1B | $2.1B |
| P/E | 11.8× | 9.5× |
| Analysts’ mean target | $69.57 | $56.25 |
Where the revenue comes from
Enterprise Financial Services
- Net interest income: $175M (93%)
- Noninterest income: $13.2M (7%)
OFG Bancorp
- Net interest income: $154M (82%)
- Noninterest income: $32.6M (18%)
Questions
Which is bigger, Enterprise Financial Services or OFG Bancorp?
Enterprise Financial Services is the larger company: $188M of revenue in its latest quarter (Q3 2026) against $186M for OFG Bancorp (Q3 2026).
Is Enterprise Financial Services or OFG Bancorp growing faster?
OFG Bancorp is growing faster (0% against -9% a year earlier).
Which is more profitable, Enterprise Financial Services or OFG Bancorp?
OFG Bancorp is more profitable, with an operating margin of 38.6% against 29.3%.
More: Enterprise Financial Services earnings · how Enterprise Financial Services makes money · OFG Bancorp earnings · how OFG Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 30, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.