Contrasting First Commonwealth Financial (FCF) & Its Rivals

First Commonwealth Financial (NYSE: FCF) is one of 313 publicly-traded companies in the “Banks” industry, but how does it compare to its competitors? We will compare First Commonwealth Financial to related businesses based on the strength of its risk, dividends, institutional ownership, valuation, earnings, analyst recommendations and profitability.

Analyst Ratings

This is a summary of recent ratings and recommmendations for First Commonwealth Financial and its competitors, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Commonwealth Financial 0 2 3 0 2.60
First Commonwealth Financial Competitors 2145 8412 8518 332 2.36

First Commonwealth Financial presently has a consensus price target of $9.80, suggesting a potential downside of 36.03%. As a group, “Banks” companies have a potential downside of 2.45%. Given First Commonwealth Financial’s competitors higher probable upside, analysts plainly believe First Commonwealth Financial has less favorable growth aspects than its competitors.

Volatility & Risk

First Commonwealth Financial has a beta of 0.97, suggesting that its stock price is 3% less volatile than the S&P 500. Comparatively, First Commonwealth Financial’s competitors have a beta of 0.78, suggesting that their average stock price is 22% less volatile than the S&P 500.

Dividends

First Commonwealth Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.1%. First Commonwealth Financial pays out 43.2% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 1.9% and pay out 35.1% of their earnings in the form of a dividend.

Institutional & Insider Ownership

65.7% of First Commonwealth Financial shares are owned by institutional investors. Comparatively, 52.3% of shares of all “Banks” companies are owned by institutional investors. 1.7% of First Commonwealth Financial shares are owned by company insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares First Commonwealth Financial and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Commonwealth Financial 21.96% 9.53% 1.11%
First Commonwealth Financial Competitors 18.43% 8.28% 0.93%

Valuation & Earnings

This table compares First Commonwealth Financial and its competitors revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
First Commonwealth Financial $282.21 million $59.59 million 20.70
First Commonwealth Financial Competitors $5.49 billion $825.32 million 385.96

First Commonwealth Financial’s competitors have higher revenue and earnings than First Commonwealth Financial. First Commonwealth Financial is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Summary

First Commonwealth Financial beats its competitors on 8 of the 15 factors compared.

First Commonwealth Financial Company Profile

First Commonwealth Financial Corporation is a financial holding company. The Company, through its subsidiary, First Commonwealth Bank (the Bank), provides a range of consumer and commercial banking services. The Company also provides trust and wealth management services, and offers insurance products through the Bank and its other operating subsidiaries. The Bank is a Pennsylvania bank and trust company. As of December 31, 2016, the Bank operated 105 community banking offices throughout western and central Pennsylvania, 17 community banking offices in Central Ohio and loan production offices in Akron and Cleveland, Ohio. As of December 31, 2016, the Bank also operated a network of 133 automated teller machines (ATMs) at various branch offices and offsite locations. As of December 31, 2016, the Bank operated 122 community banking offices throughout western Pennsylvania and central and northern Ohio, as well as loan production offices in Akron and Cleveland, Ohio.

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