Critical Analysis: First Commonwealth Financial (NYSE:FCF) Vs. Bay National (OTCMKTS:BAYN)

First Commonwealth Financial (NYSE:FCF – Get Free Report) and Bay National (OTCMKTS:BAYN – Get Free Report) are both finance companies, but which is the superior stock? We’ll compare the two businesses based on dividend strength, institutional ownership, profitability, risk, earnings, analyst recommendations and valuation.

Volatility and risk

First Commonwealth Financial has a beta of 0.85, suggesting that its share price is 15% less volatile than the S&P 500. Comparatively, Bay National has a beta of 1.56, suggesting that its share price it is 56% more volatile than the S&P 500.

Insider and institutional ownership

72.6% of First Commonwealth Financial shares are owned by institutional investors. 2.0% of First Commonwealth Financial shares are held by insiders. Comparatively, 17.8% of Bay National shares are held by insiders. Strong institutional ownership is an indication that big money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Rating and Earnings

This table compares First Commonwealth Financial and Bay National’s revenue, earnings per share (EPS) and valuation.

First Commonwealth Financial has higher revenue and earnings than Bay National.

Analyst recommendations

This is a breakdown of current recommendations and price targets for First Commonwealth Financial and Bay National, as reported by MarketBeat.com.

First Commonwealth Financial currently has a consensus price target of $17.50, suggesting a potential upside of 7.16%. Given First Commonwealth Financial’s higher possible upside, analysts plainly believe First Commonwealth Financial is more favorable than Bay National.

return

This table compares First Commonwealth Financial and Bay National’s net margins, return on equity and return on assets.

Summary

First Commonwealth Financial beats Bay National in 7 of the 9 factors compared between the two stocks.

About First Commonwealth Financial

(Get a free report)

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include personal checking accounts, interest-earning checking accounts, savings and health savings accounts, money market insured accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, loans mortgages, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, overdraft protection lines of credit, IRA accounts and ATM services, and internet banking , mobile and telephone. The company’s commercial banking services include commercial loans, business checking accounts, online account management services, payroll direct deposits, commercial cash management services and repurchase agreements, as well as ACH generation services. In addition, it offers various trust and asset management services; auto, home and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.

About Bay National

(Get a free report)

Bay National Corp. operates as a bank holding company. It offers loans, deposits, investments and other banking and financial services through its subsidiary, Bay National Bank. The company was founded in 1999 and is headquartered in Lutherville, MD.

Get news and reviews for First Commonwealth Financial Daily – Enter your email address below to receive a concise daily summary of the latest news and analysts’ ratings for First Commonwealth Financial and related companies with MarketBeat.com’s FREE daily email newsletter.