City vs First Commonwealth Financial
CHCO and FCF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CHCO and FCF compare
City and First Commonwealth Financial are about the same size, with market caps of $2.0B and $2.1B.
On earnings, First Commonwealth Financial is cheaper: it trades at 12.4× trailing earnings, against 15.6× for City.
First Commonwealth Financial grew revenue faster over the last twelve months (9.6% versus 5.8% for City).
City keeps more of each dollar of sales as profit, with a net margin of 40.5% compared with 31.0% at First Commonwealth Financial.
Both pay dividends: City yields 2.5% and First Commonwealth Financial 2.0%.
City scores higher on the StockData Score (12 against 11 for First Commonwealth Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CHCO | FCF |
|---|---|---|
| Size and price | ||
| Market cap | $2.0B | $2.1B |
| Share price | $142.45 | $20.93 |
| Change, 1 year | 17.9% | 31.6% |
| Change, 5 years | 76.3% | 32.4% |
| Beta (5Y) | 0.45 | 0.70 |
| Employees | 934 | 1,522 |
| StockData Score | ||
| Total score | 12 (better) | 11 |
| Valuation score | 0 | 0 |
| Growth score | 0 | 1 (better) |
| Performance score | 5 (better) | 3 |
| Health score | 3 | 4 (better) |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 15.6× | 12.4× (better) |
| P/S | 6.2× | 3.8× (better) |
| P/B | 2.6× | 1.4× (better) |
| P/FCF | 14.5× | – |
| PEG | 1.64 (better) | 5.21 |
| FCF yield | 6.9% | – |
| Fair value | $110.34 | $18.85 |
| Margin of safety | −29.1% | −11.0% (better) |
| Growth | ||
| Revenue growth (TTM) | 5.8% | 9.6% (better) |
| Revenue growth, 5Y average | 3.9% | 7.6% (better) |
| Net income growth (TTM) | 2.9% | 20.0% (better) |
| EPS growth (TTM) | 5.3% | 22.5% (better) |
| EPS growth, 5Y average | 10.0% | 14.4% (better) |
| Profitability | ||
| Net margin | 40.5% (better) | 31.0% |
| FCF margin | 42.5% | – |
| Return on equity | 16.6% (better) | 11.4% |
| Financial health | ||
| Debt / equity | – | 0.19 |
| Altman Z-score | 0.45 (better) | 0.30 |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.5% (better) | 2.0% |
| Payout ratio | 38.0% | 32.7% |
| Years of dividend growth | 15 (better) | 9 |
| Dividend growth, 5Y average | 7.7% (better) | 4.0% |
| Buyback yield | 2.7% | 7.0% (better) |
| Shareholder yield | 5.3% | 9.0% (better) |
| Ownership | ||
| Held by institutions | 73.6% | 79.1% |
| Held by insiders | 2.0% | 1.8% |
| Insider net buying, 12 months | −$2.3M (better) | −$3.3M |
| Short interest, % of float | 7.7% | 5.2% |
Go deeper
- CHCO stock overview
- CHCO income statement
- CHCO valuation and score
- FCF stock overview
- FCF income statement
- FCF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.