First Commonwealth Financial Corporation (NYSE: FCF) is one of 334 public companies in the “Banks” industry, but how does it contrast to its competitors? We will compare First Commonwealth Financial Corporation to related companies based on the strength of its risk, earnings, profitability, analyst recommendations, institutional ownership, dividends and valuation.

Volatility & Risk

First Commonwealth Financial Corporation has a beta of 0.97, indicating that its stock price is 3% less volatile than the S&P 500. Comparatively, First Commonwealth Financial Corporation’s competitors have a beta of 0.81, indicating that their average stock price is 19% less volatile than the S&P 500.

Dividends

First Commonwealth Financial Corporation pays an annual dividend of $0.32 per share and has a dividend yield of 2.3%. First Commonwealth Financial Corporation pays out 43.2% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 34.9% of their earnings in the form of a dividend.

Insider and Institutional Ownership

63.1% of First Commonwealth Financial Corporation shares are held by institutional investors. Comparatively, 51.4% of shares of all “Banks” companies are held by institutional investors. 1.7% of First Commonwealth Financial Corporation shares are held by insiders. Comparatively, 10.4% of shares of all “Banks” companies are held by 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.

Analyst Recommendations

This is a summary of current ratings for First Commonwealth Financial Corporation and its competitors, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Commonwealth Financial Corporation 0 2 4 0 2.67
First Commonwealth Financial Corporation Competitors 2114 8232 8357 323 2.36

First Commonwealth Financial Corporation presently has a consensus target price of $8.96, suggesting a potential downside of 34.99%. As a group, “Banks” companies have a potential downside of 6.74%. Given First Commonwealth Financial Corporation’s competitors higher possible upside, analysts clearly believe First Commonwealth Financial Corporation has less favorable growth aspects than its competitors.

Valuation & Earnings

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

Gross Revenue NetIncome Price/Earnings Ratio
First Commonwealth Financial Corporation $282.21 million $59.59 million 18.62
First Commonwealth Financial Corporation Competitors $5.43 billion $809.98 million 357.48

First Commonwealth Financial Corporation’s competitors have higher revenue and earnings than First Commonwealth Financial Corporation. First Commonwealth Financial Corporation 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.

Profitability

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

Net Margins Return on Equity Return on Assets
First Commonwealth Financial Corporation 21.96% 9.53% 1.11%
First Commonwealth Financial Corporation Competitors 18.81% 8.80% 0.94%

Summary

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

About First Commonwealth Financial Corporation

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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