OFG Bancorp (NYSE:OFG) and Brunswick Bancorp (OTCMKTS:BRBW) Head to Head Analysis

Brunswick Bancorp (OTCMKTS:BRBW) and OFG Bancorp (NYSE:OFG) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, valuation, earnings, analyst recommendations, risk, institutional ownership and dividends.

Profitability

This table compares Brunswick Bancorp and OFG Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Brunswick Bancorp	20.13%	N/A	N/A
OFG Bancorp	23.62%	16.25%	1.75%

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Brunswick Bancorp and OFG Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Brunswick Bancorp	0	0	0	0	N/A
OFG Bancorp	0	0	1	0	3.00

OFG Bancorp has a consensus target price of $40.00, indicating a potential upside of 14.91%. Given OFG Bancorp’s higher probable upside, analysts clearly believe OFG Bancorp is more favorable than Brunswick Bancorp.

Institutional & Insider Ownership

2.5% of Brunswick Bancorp shares are owned by institutional investors. Comparatively, 92.7% of OFG Bancorp shares are owned by institutional investors. 3.1% of OFG Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Earnings and Valuation

This table compares Brunswick Bancorp and OFG Bancorp’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Brunswick Bancorp	$16.41 million	2.75	$3.85 million	$1.21	13.22
OFG Bancorp	$770.73 million	2.13	$181.87 million	$3.82	9.11

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

Volatility and Risk

Brunswick Bancorp has a beta of 0.05, suggesting that its stock price is 95% less volatile than the S&P 500. Comparatively, OFG Bancorp has a beta of 1.09, suggesting that its stock price is 9% more volatile than the S&P 500.

Summary

OFG Bancorp beats Brunswick Bancorp on 11 of the 13 factors compared between the two stocks.

About Brunswick Bancorp

Brunswick Bancorp is a bank holding company, which engages in the provision of consumer and commercial banking services. It offers personal banking, checking, certificate of deposit accounts, business checking, equipment leasing, commercial mortgages, small business loans, construction loans, and merchant services. The company was founded in 1984 and is headquartered in New Brunswick, NJ.

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.