Beacon Financial (BBT) vs First Commonwealth Financial (FCF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
First Commonwealth Financial (FCF) has outperformed Beacon Financial (BBT) over the past year, gaining 19.8% versus a gain of 13.8%. Over five years, FCF leads with a +41.2% price change compared with +0.6% for BBT. Beacon Financial is the larger company by market cap ($2.28 billion vs $2.01 billion), about 1.1 times the size, while First Commonwealth Financial is growing revenue faster (+9.4% vs -92.5%).
On valuation, Beacon Financial trades at a lower forward P/E (8.2x vs 10.2x for First Commonwealth Financial). Beacon Financial offers the higher dividend yield (4.74% vs 2.77%). Beacon Financial converts more of its revenue into profit, with a net margin of 301.4% versus 29.1%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BBT | FCF |
|---|---|---|
| Share price | $27.19 | $19.89 |
| Market cap | $2.28B | $2.01B |
| 1-day change | -1.06% | -0.85% |
| YTD return | +3.11% | +17.97% |
| 1-year return | +13.77% | +19.82% |
| 5-year return | +0.59% | +41.16% |
| P/E ratio (TTM) | 7.35 | 12.20 |
| Forward P/E | 8.18 | 10.17 |
| EPS (TTM) | $3.70 | $1.63 |
| Dividend yield | 4.74% | 2.77% |
| Annual dividend | $1.29 | $0.55 |
| Revenue (latest FY) | $29.95M | $522.91M |
| Revenue growth (YoY) | -92.51% | +9.37% |
| Net income (latest FY) | $90.27M | $152.30M |
| Net margin | 301.44% | 29.13% |
| 52-week high | $32.83 | $22.34 |
| 52-week low | $22.81 | $15.00 |
| Distance from 52-week high | -17.18% | -10.97% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +26.26% | +21.02% |
| Average volume | 914.66K | 903.44K |
| Shares outstanding | 83.82M | 101.06M |
| Employees | 1,972 | 1,589 |
| Sector | Finance | Finance |
| Industry | Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- First Commonwealth Financial trades at a higher earnings multiple (12.2x vs 7.3x trailing P/E).
- Beacon Financial offers a meaningfully higher dividend yield (4.74% vs 2.77%).
- Beacon Financial is more profitable, keeping 301.4 cents of every revenue dollar as net income versus 29.1 cents for First Commonwealth Financial.
- First Commonwealth Financial grew revenue faster in its latest fiscal year (+9.37% vs -92.51%).
About Beacon Financial
BBT stock →Beacon Financial Corporation operates as the bank holding company for Beacon Bank & Trust that provides various banking services in the United States and internationally. The company accepts commercial, municipal, and retail deposits.
Finance · Banks · 1,972 employees
About First Commonwealth Financial
FCF stock →First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company's consumer services include internet, mobile, and telephone banking; an automated teller machine network; personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, and IRA accounts.
Finance · Major Banks · 1,589 employees
BBT vs FCF FAQ
Which is bigger, Beacon Financial or First Commonwealth Financial?
Beacon Financial (BBT) is larger, with a market capitalization of $2.28B compared with $2.01B for First Commonwealth Financial (FCF).
Which stock has performed better over the past year, BBT or FCF?
FCF returned +19.82% over the past 12 months, compared with +13.77% for BBT (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BBT or FCF?
BBT has the lower trailing P/E at 7.3, versus 12.2 for FCF. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Beacon Financial or First Commonwealth Financial?
Beacon Financial has the higher yield at 4.74%, compared with 2.77% for First Commonwealth Financial.
Are Beacon Financial and First Commonwealth Financial in the same industry?
Both are in the Finance sector, but in different industries: Banks for Beacon Financial and Major Banks for First Commonwealth Financial.