City (CHCO) vs First Commonwealth Financial (FCF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
First Commonwealth Financial (FCF) has outperformed City (CHCO) over the past year, gaining 19.9% versus a gain of 15.1%. Over five years, CHCO leads with a +83.8% price change compared with +42.4% for FCF. First Commonwealth Financial is the larger company by market cap ($2.02 billion vs $1.97 billion), about 1.0 times the size.
On valuation, First Commonwealth Financial trades at a lower forward P/E (10.2x vs 14.5x for City). First Commonwealth Financial offers the higher dividend yield (2.76% vs 2.48%). City converts more of its revenue into profit, with a net margin of 175.6% 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 | CHCO | FCF |
|---|---|---|
| Share price | $140.21 | $19.95 |
| Market cap | $1.97B | $2.02B |
| 1-day change | -0.29% | -0.57% |
| YTD return | +17.96% | +18.98% |
| 1-year return | +15.07% | +19.90% |
| 5-year return | +83.76% | +42.37% |
| P/E ratio (TTM) | 15.34 | 12.24 |
| Forward P/E | 14.51 | 10.20 |
| EPS (TTM) | $9.14 | $1.63 |
| Dividend yield | 2.48% | 2.76% |
| Annual dividend | $3.48 | $0.55 |
| Revenue (latest FY) | $74.29M | $522.91M |
| Revenue growth (YoY) | +3.19% | +9.37% |
| Net income (latest FY) | $130.49M | $152.30M |
| Net margin | 175.65% | 29.13% |
| 52-week high | $148.99 | $22.34 |
| 52-week low | $113.21 | $15.00 |
| Distance from 52-week high | -5.90% | -10.72% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +1.57% | +20.68% |
| Average volume | 122.11K | 901.24K |
| Shares outstanding | 14.05M | 101.06M |
| Employees | 924 | 1,589 |
| Sector | Finance | Finance |
| Industry | Major 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
- City trades at a higher earnings multiple (15.3x vs 12.2x trailing P/E).
- City is more profitable, keeping 175.6 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 +3.19%).
About City
CHCO stock →City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts.
Finance · Major Banks · 924 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
CHCO vs FCF FAQ
Which is bigger, City or First Commonwealth Financial?
First Commonwealth Financial (FCF) is larger, with a market capitalization of $2.02B compared with $1.97B for City (CHCO).
Which stock has performed better over the past year, CHCO or FCF?
FCF returned +19.90% over the past 12 months, compared with +15.07% for CHCO (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHCO or FCF?
FCF has the lower trailing P/E at 12.2, versus 15.3 for CHCO. 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, City or First Commonwealth Financial?
First Commonwealth Financial has the higher yield at 2.76%, compared with 2.48% for City.
Are City and First Commonwealth Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.