Triumph Financial (NYSE:TFIN – Get Free Report) and First Commonwealth Financial (NYSE:FCF – Get Free Report) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their valuation, risk, profitability, institutional ownership, earnings, dividends and analyst recommendations.
Earnings and Valuation
This table compares Triumph Financial and First Commonwealth Financial”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Triumph Financial | $441.72 million | 3.57 | $25.36 million | $1.48 | 44.60 |
| First Commonwealth Financial | $545.72 million | 3.94 | $152.30 million | $1.63 | 13.06 |
Analyst Ratings
This is a breakdown of recent ratings and recommmendations for Triumph Financial and First Commonwealth Financial, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Triumph Financial | 0 | 6 | 0 | 0 | 2.00 |
| First Commonwealth Financial | 0 | 3 | 4 | 0 | 2.57 |
Triumph Financial currently has a consensus target price of $85.00, indicating a potential upside of 28.78%. First Commonwealth Financial has a consensus target price of $24.25, indicating a potential upside of 13.88%. Given Triumph Financial’s higher possible upside, research analysts plainly believe Triumph Financial is more favorable than First Commonwealth Financial.
Insider and Institutional Ownership
91.1% of Triumph Financial shares are held by institutional investors. Comparatively, 72.6% of First Commonwealth Financial shares are held by institutional investors. 5.5% of Triumph Financial shares are held by company insiders. Comparatively, 1.9% of First Commonwealth Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Volatility & Risk
Triumph Financial has a beta of 1.37, suggesting that its stock price is 37% more volatile than the S&P 500. Comparatively, First Commonwealth Financial has a beta of 0.74, suggesting that its stock price is 26% less volatile than the S&P 500.
Profitability
This table compares Triumph Financial and First Commonwealth Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Triumph Financial | 7.17% | 4.69% | 0.62% |
| First Commonwealth Financial | 22.62% | 10.79% | 1.37% |
Summary
First Commonwealth Financial beats Triumph Financial on 9 of the 14 factors compared between the two stocks.
About Triumph Financial
Triumph Bancorp, Inc. operates as a financial holding company for TBK Bank, SSB that provides various banking and commercial finance products and services to retail customers and small-to-mid-sized businesses in the United States. The company operates through four segments: Banking, Factoring, Payments, and Corporate. It offers depository products, including checking, savings, and money market accounts, as well as certificates of deposit; and commercial and industrial loans, loans to purchase capital equipment, and business loans for working capital and operational purposes. The company also provides asset-based, and equipment and premium finance loans; real estate loans to finance commercial properties; to factoring services the transportation and non-transportation sectors; agriculture loans; commercial construction, land, and land development loans; mortgage warehouse loans; residential real estate loans; and consumer loans. In addition, it offers debit cards; electronic banking, trust, and treasury management services; and insurance brokerage services. As of December 31, 2021, the company operated through a network of 10 branches in the Quad Cities Metropolitan Area of Iowa and Illinois; 8 branches in northern and central Illinois; 7 branches in southern Colorado; 3 branches in New Mexico; 31 branches in central and eastern Colorado; and 2 branches in far western Kansas, as well as a branch office dedicated to deposit gathering activities in Dallas, Texas. Triumph Bancorp, Inc. was founded in 1981 and is headquartered in Dallas, Texas.
About First Commonwealth Financial
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, 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, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination 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.
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