Commonwealth Financial (NYSE:FCF) First Financial Survey vs. BOK Financial (NASDAQ:BOKF).
First Commonwealth Financial (NYSE:FCF – received rating) and BOK Financial (NASDAQ: BOKF – received rating) are both financials, but which is the better stock? We will compare the two companies based on their valuation, profitability, institutional ownership, earnings, dividends, risk, and analyst recommendations.
Institutional and Insider Ownership
67.7% of First Commonwealth Financial’s shares are owned by institutional investors. In comparison, 37.8% of BOK Financial stock is owned by institutional investors. Insiders own 1.8% of First Commonwealth Financial’s shares. In comparison, 56.9% of BOK Financial stock is owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds, and endowments believe a company is poised for long-term growth.
volatility and risk
First Commonwealth Financial has a beta of 1.02, suggesting its stock price is 2% more volatile than the S&P 500. In comparison, BOK Financial has a beta of 1.37, suggesting its stock price is 37% more volatile is than the S&P 500.
This table compares the net margins, return on equity and return on total assets of First Commonwealth Financial and BOK Financial.
|net margins||return on equity||return on investment|
|First Commonwealth Financial||34.51%||12.55%||1.46%|
profit and rating
This table compares the revenue, earnings per share, and valuation of First Commonwealth Financial and BOK Financial.
|gross receipts||price/sales ratio||net income||earnings per share||price-earnings ratio|
|First Commonwealth Financial||$400.60 million||3.42||$138.26 million||$1.45||02/10|
|BOK Finance||$1.85 billion||3.30||$618.12 million||$8.95||10.00|
BOK Financial has higher revenues and profits than First Commonwealth Financial. BOK Financial is trading at a lower price-to-earnings multiple than First Commonwealth Financial, suggesting it’s the cheaper of the two stocks at the moment.
This is a summary of the current ratings and price targets for First Commonwealth Financial and BOK Financial as reported by MarketBeat.
|sell reviews||keep ratings||Buy reviews||Strong buy recommendations||rating score|
|First Commonwealth Financial||0||2||3||0||2.60|
First Commonwealth Financial currently has a consensus price target of $19.00, which suggests a potential upside of 30.76%. BOK Financial has a consensus price target of $102.17, which suggests a potential upside of 14.13%. Given First Commonwealth Financial’s stronger consensus rating and more likely upside potential, analysts clearly believe First Commonwealth Financial is cheaper than BOK Financial.
First Commonwealth Financial pays an annual dividend of $0.46 per share and has a dividend yield of 3.2%. BOK Financial pays an annual dividend of $2.12 per share and has a dividend yield of 2.4%. First Commonwealth Financial pays out 31.7% of its earnings in the form of a dividend. BOK Financial pays out 23.7% 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 profits for the next several years. First Commonwealth Financial has increased its dividend for 5 consecutive years and BOK Financial has increased its dividend for 17 consecutive years.
First Commonwealth Financial beats BOK Financial on 10 of the 17 factors compared between the two stocks.
About First Commonwealth Financial (received rating)
First Commonwealth Financial Corporation, a financial holding company, provides a variety of consumer and commercial banking services in the United States. Consumer services include personal checking accounts, interest bearing checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, certificates of deposit at fixed and variable rates, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit boxes, credit cards, lines of credit with overdraft protection, IRA -Accounts and ATM services, as well as internet, mobile and telephone banking services. The Company’s commercial banking services include commercial lending, corporate checking accounts, online account management services, direct payroll deposits, commercial cash management services and repurchase agreements, and ACH origination services. It also offers various trust and asset management services; auto, home, business and term life insurance; and pensions, mutual funds, and stock and bond broking services through a broker-dealer and insurance broker. As of December 31, 2021, the Company operated 118 municipal bank branches in western and central Pennsylvania and northeast, central and southwest Ohio; corporate customer centers in Pittsburgh, Pennsylvania, as well as Columbus, Canton, and Cleveland, Ohio; and mortgage lenders in Wexford, Pennsylvania and Hudson, Westlake, and Lewis Center, Ohio. It also operates 136 ATMs. The First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.
About BOK Financial (received rating)
BOK Financial Corporation acts as the financial holding company for BOKF, NA, which offers various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking and Wealth Management. The Commercial Banking segment provides credit, treasury, cash management and commodity risk management products to small, medium and large commercial customers and operates the TransFund electronic funds transfer network. The Consumer Banking segment provides lending and deposit services to small business customers through a consumer branch network; and deals with the origination and servicing of mortgage loans. The Wealth Management segment offers trustee, private banking, insurance and investment advisory services; and brokerage and trading services principally connected with the provision of liquidity to the mortgage markets through the trading of US Government mortgage-backed securities and related derivative contracts, as well as state and municipal securities. The company also offers commercial loans such as B. Loans for working capital, facility acquisition or expansion, equipment purchases and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other extensions to real estate and property held by borrowers for investment purposes; and home mortgages and personal loans. In addition, the company offers automated teller machines (ATM), call centers, and internet and mobile banking services. As of December 31, 2021, it operated 2,593 TransFund ATM locations. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.
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