City (CHCO) Competitors

First Commonwealth Financial (NYSE:FCF) and City (NASDAQ:CHCO) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their risk, dividends, analyst recommendations, institutional ownership, media sentiment, valuation, earnings, community ranking and profitability.

Which has more volatility and risk, FCF or CHCO?

First Commonwealth Financial has a beta of 0.86, meaning that its stock price is 14% less volatile than the S&P 500. Comparatively, City has a beta of 0.5, meaning that its stock price is 50% less volatile than the S&P 500.

Does the media prefer FCF or CHCO?

In the previous week, City had 7 more articles in the media than First Commonwealth Financial. MarketBeat recorded 9 mentions for City and 2 mentions for First Commonwealth Financial. First Commonwealth Financial's average media sentiment score of 0.85 beat City's score of 0.84 indicating that City is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Commonwealth Financial	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
City	2 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is FCF or CHCO more profitable?

City has a net margin of 33.78% compared to City's net margin of 24.96%. First Commonwealth Financial's return on equity of 18.31% beat City's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Commonwealth Financial	24.96%	12.89%	1.44%
City	33.78%	18.31%	1.93%

Which has stronger valuation and earnings, FCF or CHCO?

First Commonwealth Financial has higher revenue and earnings than City. First Commonwealth Financial is trading at a lower price-to-earnings ratio than City, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Commonwealth Financial	$626.61M	2.32	$157.06M	$1.61	8.84
City	$341.89M	4.52	$114.36M	$7.95	13.16

Is FCF or CHCO a better dividend stock?

First Commonwealth Financial pays an annual dividend of $0.52 per share and has a dividend yield of 3.7%. City pays an annual dividend of $2.86 per share and has a dividend yield of 2.7%. First Commonwealth Financial pays out 32.3% of its earnings in the form of a dividend. City pays out 36.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Commonwealth Financial has increased its dividend for 8 consecutive years and City has increased its dividend for 6 consecutive years. First Commonwealth Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do analysts recommend FCF or CHCO?

First Commonwealth Financial currently has a consensus price target of $16.25, indicating a potential upside of 14.12%. City has a consensus price target of $106.75, indicating a potential upside of 2.04%. Given City's stronger consensus rating and higher probable upside, research analysts plainly believe First Commonwealth Financial is more favorable than City.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Commonwealth Financial	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00
City	0 Sell rating(s)	4 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the MarketBeat Community prefer FCF or CHCO?

First Commonwealth Financial received 34 more outperform votes than City when rated by MarketBeat users. Likewise, 54.44% of users gave First Commonwealth Financial an outperform vote while only 49.90% of users gave City an outperform vote.

Company	Underperform	Outperform
First Commonwealth Financial	Outperform Votes 282 54.44%	Underperform Votes 236 45.56%
City	Outperform Votes 248 49.90%	Underperform Votes 249 50.10%

Do insiders & institutionals hold more shares of FCF or CHCO?

72.6% of First Commonwealth Financial shares are owned by institutional investors. Comparatively, 72.4% of City shares are owned by institutional investors. 2.0% of First Commonwealth Financial shares are owned by company insiders. Comparatively, 2.5% of City shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

First Commonwealth Financial beats City on 12 of the 21 factors compared between the two stocks.