Dime Community Bancshares, Inc. (DCOM) vs First Commonwealth Financial Corporation (FCF)

Dime Community Bancshares, Inc. and First Commonwealth Financial Corporation are both Banks Regional companies. First Commonwealth Financial Corporation is the larger, with a market value of $2.0B against $1.9B — 1.1× the size. First Commonwealth Financial Corporation trades at the lower P/E: 12.8× against 13.8×. Dime Community Bancshares, Inc. grew revenue faster over the last twelve months: 13.5% against 4.13%. First Commonwealth Financial Corporation has the higher net margin (23.1% vs 17.5%) and the higher return on invested capital (8.93% vs 0.00%). Both pay a dividend; First Commonwealth Financial Corporation yields more (3.27% vs 2.35%). Across the 19 metrics below, Dime Community Bancshares, Inc. leads on 11 and First Commonwealth Financial Corporation on 8.

Valuation

Metric DCOM FCF Banks Regional median
P/E 13.80 12.85 12.02
P/S 2.41 2.86 2.36
P/B 1.30 1.36 1.23
Price to free cash flow 7.16 11.95 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.25% 7.78% 8.21%
Free cash flow yield 13.97% 8.37% 9.23%

Profitability

Metric DCOM FCF Banks Regional median
Gross margin 66.93% 74.28% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.47% 23.06% 18.82%
Free cash flow margin 33.68% 0.00% 17.97%
Return on equity 9.69% 0.00% 10.28%
Return on assets 0.88% 1.40% 1.13%
Return on invested capital 0.00% 8.93% 8.45%

Growth

Metric DCOM FCF Banks Regional median
Revenue growth (TTM) 13.54% 4.13% 6.37%
EPS growth (last fiscal year) 329.09% 5.76% 18.85%
Revenue growth, 5-year CAGR 23.40% 13.02% 12.65%
Net income growth, 5-year CAGR 22.01% 15.70% 9.81%

Health

Metric DCOM FCF Banks Regional median
Debt to equity 0.15 0.08 0.17
Current ratio 0.97 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric DCOM FCF Banks Regional median
Dividend yield 2.35% 3.27% 2.49%
Payout ratio 0.32 0.41 0.29

Size

Metric DCOM FCF Banks Regional median
Market cap 1.85b 2.04b 934.85m

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