OFG vs. HRB
OFG (OFG Bancorp) and HRB (H&R Block, Inc.) are both stocks. OFG operates in Banks - Regional (Financial Services), while HRB operates in Personal Services (Consumer Cyclical). Over the past 10 years, OFG returned 19.83%/yr vs 10.86%/yr for HRB. Their 0.22 correlation means their historical movements had little consistent relationship.
Performance
OFG vs. HRB - Performance Comparison
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Returns By Period
In the year-to-date period, OFG achieves a 31.61% return, which is significantly higher than HRB's 6.25% return. Over the past 10 years, OFG has outperformed HRB with an annualized return of 19.83%, while HRB has yielded a comparatively lower 10.86% annualized return.
OFG
- 1D
- 0.42%
- 1M
- 7.28%
- 6M
- 32.42%
- YTD
- 31.61%
- 1Y
- 30.93%
- 3Y*
- 20.11%
- 5Y*
- 21.56%
- 10Y*
- 19.83%
- ALL TIME*
- 12.73%
HRB
- 1D
- 2.63%
- 1M
- 12.86%
- 6M
- 19.59%
- YTD
- 6.25%
- 1Y
- -13.45%
- 3Y*
- 13.82%
- 5Y*
- 16.53%
- 10Y*
- 10.86%
- ALL TIME*
- 10.34%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $80.62M | $77.38M | $89.69M | |
OFG OFG Bancorp | $18.38M | $16.67M | $16.85M |
OFG vs. HRB - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
OFG OFG Bancorp | 31.61% | -0.35% | 15.81% | 40.22% | 6.54% | 45.63% | -19.79% | 45.34% | 78.29% | -26.43% |
HRB H&R Block, Inc. | 6.25% | -14.88% | 12.03% | 36.87% | 59.94% | 55.43% | -27.97% | -3.55% | 0.49% | 18.22% |
Correlation
The correlation between OFG and HRB is 0.02, meaning there was essentially no consistent relationship between their historical price movements. Each responded to its own set of market drivers.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.02 |
Correlation (3Y) Balances recent behavior with more history. | 0.17 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.26 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.28 |
Correlation (All Time) Calculated using the full available price history since Mar 28, 1990 | 0.22 |
The correlation between OFG and HRB shifts across timeframes, from 0.02 (1 year) to 0.28 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
OFG:
$2.24B
HRB:
$5.73B
OFG:
$4.74
HRB:
$2.32
OFG:
11.19
HRB:
19.47
OFG:
0.90
HRB:
1.79
OFG:
2.71
HRB:
3.85
OFG:
$882.19M
HRB:
$1.52B
OFG:
$637.14M
HRB:
$766.04M
OFG:
$300.23M
HRB:
-$21.81M
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Return for Risk
OFG vs. HRB — Risk / Return Rank
OFG
HRB
OFG vs. HRB - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for OFG Bancorp (OFG) and H&R Block, Inc. (HRB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| OFG | HRB | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.54 | ||
| Sortino ratioReturn per unit of downside risk | +1.92 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 0.98 | +0.26 |
| Calmar ratioReturn relative to maximum drawdown | 1.84 | -0.28 | +2.12 |
| Martin ratioReturn relative to average drawdown | 4.41 | -0.49 | +4.90 |
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Drawdowns
OFG vs. HRB - Drawdown Comparison
The maximum OFG drawdown since its inception was -96.64%, which is greater than HRB's maximum drawdown of -62.08%. Use the drawdown chart below to compare losses from any high point for OFG and HRB.
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Drawdown Indicators
| OFG | HRB | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.64% | -62.08% | -34.56% |
Max Drawdown (1Y)Largest decline over 1 year | -16.89% | -47.86% | +30.97% |
Max Drawdown (3Y)Largest decline over 3 years | -24.56% | -55.54% | +30.98% |
Max Drawdown (5Y)Largest decline over 5 years | -24.56% | -55.54% | +30.98% |
Max Drawdown (10Y)Largest decline over 10 years | -61.25% | -57.72% | -3.53% |
Current DrawdownCurrent decline from peak | 0.00% | -27.36% | +27.36% |
Average DrawdownAverage peak-to-trough decline | -29.36% | -18.70% | -10.66% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.03% | 27.52% | -20.49% |
Volatility
OFG vs. HRB - Volatility Comparison
The current volatility for OFG Bancorp (OFG) is 7.66%, while H&R Block, Inc. (HRB) has a volatility of 13.12%. This indicates that OFG experiences smaller price fluctuations and is considered to be less risky than HRB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| OFG | HRB | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.66% | 13.12% | -5.46% |
Volatility (6M)Calculated over the trailing 6-month period | 15.98% | 37.42% | -21.44% |
Volatility (1Y)Calculated over the trailing 1-year period | 25.44% | 43.37% | -17.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.11% | 33.54% | -4.43% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 38.79% | 36.09% | +2.70% |
Dividends
OFG vs. HRB - Dividend Comparison
OFG's dividend yield for the trailing twelve months is around 2.45%, less than HRB's 3.72% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HRB H&R Block, Inc. | 3.72% | 3.65% | 2.63% | 2.52% | 3.07% | 4.54% | 6.56% | 4.39% | 3.90% | 3.59% | 3.74% | 2.40% |
OFG OFG Bancorp | 2.45% | 2.93% | 2.36% | 2.35% | 2.54% | 1.51% | 1.51% | 1.19% | 1.52% | 2.55% | 1.83% | 4.92% |
Financials
OFG vs. HRB - Financials Comparison
This section allows you to compare key financial metrics between OFG Bancorp and H&R Block, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
Frequently Asked Questions
OFG and HRB have a correlation of 0.02, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
HRB has higher volatility (13.12%) compared to OFG (7.66%). In terms of maximum drawdown, OFG dropped -96.64% vs HRB's -62.08%.
OFG currently has the higher Sharpe Ratio (1.22 vs -0.31), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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