City (CHCO) Competitors

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

Which has more volatility & risk, FCF or CHCO?

First Commonwealth Financial has a beta of 0.83, suggesting that its stock price is 17% less volatile than the S&P 500. Comparatively, City has a beta of 0.46, suggesting that its stock price is 54% less volatile than the S&P 500.

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 2.7%. City pays an annual dividend of $3.16 per share and has a dividend yield of 2.4%. First Commonwealth Financial pays out 35.1% of its earnings in the form of a dividend. City pays out 40.6% 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 is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has preferable 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	3.12	$157.06M	$1.48	12.98
City	$281.97M	6.87	$114.36M	$7.79	16.92

Do analysts rate FCF or CHCO?

First Commonwealth Financial presently has a consensus price target of $17.30, indicating a potential downside of 9.92%. City has a consensus price target of $114.25, indicating a potential downside of 13.31%. Given First Commonwealth Financial's stronger consensus rating and higher probable upside, analysts clearly 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)	3 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.40
City	0 Sell rating(s)	4 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the media prefer FCF or CHCO?

In the previous week, First Commonwealth Financial and First Commonwealth Financial both had 3 articles in the media. First Commonwealth Financial's average media sentiment score of 1.66 beat City's score of 0.32 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	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
City	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Does the MarketBeat Community favor FCF or CHCO?

First Commonwealth Financial received 35 more outperform votes than City when rated by MarketBeat users. Likewise, 53.90% of users gave First Commonwealth Financial an outperform vote while only 49.80% of users gave City an outperform vote.

Company	Underperform	Outperform
First Commonwealth Financial	Outperform Votes 283 53.90%	Underperform Votes 242 46.10%
City	Outperform Votes 248 49.80%	Underperform Votes 250 50.20%

Do institutionals & insiders have more ownership in 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 insiders. Comparatively, 2.5% of City shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Is FCF or CHCO more profitable?

City has a net margin of 31.18% compared to First Commonwealth Financial's net margin of 21.87%. City's return on equity of 16.60% beat First Commonwealth Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Commonwealth Financial	21.87%	11.19%	1.30%
City	31.18%	16.60%	1.83%

Summary

First Commonwealth Financial beats City on 12 of the 19 factors compared between the two stocks.