FCF vs STEL

Comparison between First Commonwealth Financial Corp (FCF, Company) and Stellar Bancorp Inc (STEL, Company).

Both FCF and STEL are from the Financial Services sector.

5-Year PerformanceFCF has outperformed STEL, delivering a return of +8.2% compared to +7.5%

FCF vs STEL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	FCF(COMPANY)	STEL(COMPANY)
Market Cap	$1.91B	$1.90B
Max Drawdown	77.47%	64.92%
Sharpe Ratio	1.03	1.43
5Y Beta	0.71	0.78
Industry	Banks - Regional	Banks - Regional
P/E Ratio	12.35	18.14
Forward P/E	10.92	14.88
PEG Ratio	0.98	N/A
Dividend Yield	2.88%	1.55%
5Y Dividends CAGR	8.85%	12.47%
5Y EPS CAGR	6.28%	16.08%
Debt to Equity	1.47%	0.00%
Free Cash Flow Yield	10.60%	6.07%
P/S Ratio	3.85	4.52
P/B Ratio	1.23	1.15

Market Cap

Winner

FCF

$1.91B

STEL

$1.90B

Max Drawdown

FCF

77.47%

Winner

STEL

64.92%

Sharpe Ratio

FCF

1.03

Winner

STEL

1.43

5Y Beta

Winner

FCF

0.71

STEL

0.78

Industry

FCF

Banks - Regional

STEL

Banks - Regional

P/E Ratio

Winner

FCF

12.35

STEL

18.14

Forward P/E

Winner

FCF

10.92

STEL

14.88

PEG Ratio

FCF

0.98

STEL

N/A

Dividend Yield

Winner

FCF

2.88%

STEL

1.55%

5Y Dividends CAGR

FCF

8.85%

Winner

STEL

12.47%

5Y EPS CAGR

FCF

6.28%

Winner

STEL

16.08%

Debt to Equity

FCF

1.47%

Winner

STEL

0.00%

Free Cash Flow Yield

Winner

FCF

10.60%

STEL

6.07%

P/S Ratio

Winner

FCF

3.85

STEL

4.52

P/B Ratio

FCF

1.23

Winner

STEL

1.15

FCF vs STEL - Historical Returns

Returns include dividend reinvestment.

Period	FCF	STEL
1 month	+3.49%	+0.00%
3 months	+9.25%	+1.18%
6 months	+17.57%	+19.78%
1 year	+28.03%	+43.00%
5 years(CAGR)	+8.22%	+7.49%
10 years(CAGR)	+10.85%	+4.93%
Max(CAGR)	+5.14%	+4.93%

Winner

FCF

+3.49%

STEL

+0.00%

Winner

FCF

+9.25%

STEL

+1.18%

FCF

+17.57%

Winner

STEL

+19.78%

FCF

+28.03%

Winner

STEL

+43.00%

5Y(CAGR)

Winner

FCF

+8.22%

STEL

+7.49%

10Y(CAGR)

Winner

FCF

+10.85%

STEL

+4.93%

Max(CAGR)

Winner

FCF

+5.14%

STEL

+4.93%

FCF vs STEL - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	FCF	STEL
2026	+15.61%	+22.72%
2025	+5.37%	+13.56%
2024	+12.47%	+5.54%
2023	+13.97%	-2.63%
2022	-11.19%	+0.63%
2021	+52.77%	+16.75%
2020	-21.48%	-16.74%
2019	+22.54%	+5.45%
2018	-13.15%	-0.01%
2017	+3.33%	+3.48%
2016	+65.74%	N/A
2015	+2.32%	N/A
2014	+9.23%	N/A
2013	+27.18%	N/A
2012	+28.20%	N/A
2011	-26.99%	N/A
2010	+51.85%	N/A
2009	-61.32%	N/A
2008	+28.63%	N/A
2007	-16.07%	N/A
2006	+7.36%	N/A
2005	-10.00%	N/A
2004	+11.94%	N/A
2003	+27.78%	N/A
2002	+1.39%	N/A
2001	+26.54%	N/A
2000	-5.77%	N/A
1999	-13.08%	N/A

FCF vs STEL Drawdown Comparison

The maximum drawdown for FCF was -74.48%, occurring on Oct 3, 2011. Recovery took 2057 trading sessions.

The maximum drawdown for STEL was -64.34%, occurring on Mar 18, 2020. Recovery took 1066 trading sessions.

The current STEL drawdown is -4.94%.

Rank	FCF	STEL
#1	-74.48% Sep 18, 2008 - Nov 17, 2016	-64.34% Aug 8, 2018 - Nov 4, 2022
#2	-57.52% Jul 26, 2018 - Nov 3, 2021	-41.78% Nov 4, 2022 - Jan 28, 2026
#3	-36.79% Nov 5, 1999 - May 10, 2001	-10.63% Feb 11, 2026 - Mar 18, 2026
#4	-33.91% Mar 31, 2006 - Sep 18, 2008	-8.16% Dec 28, 2017 - May 17, 2018
#5	-31.29% Jan 14, 2022 - Jul 16, 2024	-4.79% Jul 9, 2018 - Jul 27, 2018
#6	-28.00% Jun 29, 2001 - Jul 14, 2003	-4.35% Jun 20, 2018 - Jul 5, 2018
#7	-26.90% Nov 25, 2024 - Feb 4, 2026	-3.52% Nov 16, 2017 - Dec 21, 2017
#8	-19.67% Apr 1, 2004 - Oct 27, 2004	-3.09% May 21, 2018 - Jun 4, 2018
#9	-17.83% May 10, 2001 - Jun 26, 2001	-2.21% Nov 10, 2017 - Nov 16, 2017
#10	-16.14% Dec 23, 2004 - Mar 31, 2006	-1.73% Jun 12, 2018 - Jun 18, 2018
#11	-15.83% Feb 22, 2017 - Oct 26, 2017	-1.15% Dec 26, 2017 - Dec 28, 2017
#12	-14.99% Jul 25, 2024 - Nov 6, 2024	-0.79% Aug 2, 2018 - Aug 6, 2018
#13	-11.58% Feb 6, 2026 - Apr 9, 2026	-0.77% Nov 8, 2017 - Nov 10, 2017
#14	-10.81% Dec 4, 2017 - Apr 25, 2018	-0.47% Aug 6, 2018 - Aug 8, 2018
#15	-8.23% Nov 23, 2021 - Jan 3, 2022	-0.40% Jul 5, 2018 - Jul 9, 2018

Correlation

Correlation between FCF and STEL is 0.76 which considered as a strong positive correlation - the stocks tend to move together.

0.76

-101

Dividend Comparison (1999 - 2026)

FCF vs STEL dividend yield comparison.

Year	FCF	STEL
2026	1.44%	0.40%
2025	3.17%	1.84%
2024	3.04%	1.87%
2023	3.21%	1.87%
2022	3.40%	1.77%
2021	2.83%	1.79%
2020	4.02%	1.57%
2019	2.76%	1.29%
2018	2.90%	0.68%
2017	2.23%	0.17%
2016	1.97%	0.00%
2015	3.09%	0.00%
2014	3.04%	0.00%
2013	2.61%	0.00%
2012	2.64%	0.00%
2011	2.28%	0.00%
2010	0.85%	0.00%
2009	3.87%	0.00%
2008	5.49%	0.00%
2007	6.38%	0.00%
2006	5.06%	0.00%
2005	6.46%	0.00%
2004	4.19%	0.00%
2003	5.50%	0.00%
2002	5.26%	0.00%
2001	5.08%	0.00%
2000	5.60%	0.00%
1999	1.17%	0.00%