First Commonwealth Financial (FCF) Competitors

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

Which has stronger earnings & valuation, FCF or NBHC?

First Commonwealth Financial has higher revenue and earnings than National Bank. First Commonwealth Financial is trading at a lower price-to-earnings ratio than National Bank, 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
National Bank	$559.33M	2.50	$142.05M	$3.48	10.62

Do analysts rate FCF or NBHC?

First Commonwealth Financial presently has a consensus price target of $16.25, suggesting a potential upside of 14.12%. National Bank has a consensus price target of $38.63, suggesting a potential upside of 4.53%. Given First Commonwealth Financial's stronger consensus rating and higher possible upside, equities research analysts plainly believe First Commonwealth Financial is more favorable than National Bank.

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
National Bank	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Is FCF or NBHC a better dividend stock?

First Commonwealth Financial pays an annual dividend of $0.52 per share and has a dividend yield of 3.7%. National Bank pays an annual dividend of $1.08 per share and has a dividend yield of 2.9%. First Commonwealth Financial pays out 32.3% of its earnings in the form of a dividend. National Bank pays out 31.0% 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.

Is FCF or NBHC more profitable?

First Commonwealth Financial has a net margin of 24.96% compared to National Bank's net margin of 22.94%. First Commonwealth Financial's return on equity of 12.89% beat National Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Commonwealth Financial	24.96%	12.89%	1.44%
National Bank	22.94%	11.20%	1.34%

Does the MarketBeat Community favor FCF or NBHC?

First Commonwealth Financial received 48 more outperform votes than National Bank when rated by MarketBeat users. However, 55.45% of users gave National Bank an outperform vote while only 54.44% of users gave First Commonwealth Financial an outperform vote.

Company	Underperform	Outperform
First Commonwealth Financial	Outperform Votes 282 54.44%	Underperform Votes 236 45.56%
National Bank	Outperform Votes 234 55.45%	Underperform Votes 188 44.55%

Which has more risk and volatility, FCF or NBHC?

First Commonwealth Financial has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500. Comparatively, National Bank has a beta of 0.84, suggesting that its stock price is 16% less volatile than the S&P 500.

Do institutionals and insiders hold more shares of FCF or NBHC?

72.6% of First Commonwealth Financial shares are held by institutional investors. Comparatively, 92.7% of National Bank shares are held by institutional investors. 2.0% of First Commonwealth Financial shares are held by company insiders. Comparatively, 3.1% of National Bank shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Does the media favor FCF or NBHC?

In the previous week, National Bank had 1 more articles in the media than First Commonwealth Financial. MarketBeat recorded 3 mentions for National Bank and 2 mentions for First Commonwealth Financial. First Commonwealth Financial's average media sentiment score of 0.84 beat National Bank's score of 0.84 indicating that First Commonwealth Financial is being referred to more favorably in the 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
National Bank	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

First Commonwealth Financial beats National Bank on 11 of the 19 factors compared between the two stocks.