STEL vs FCF

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

Both STEL and FCF are from the Financial Services sector.

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

STEL vs FCF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

STEL

$1.90B

Winner

FCF

$1.91B

Max Drawdown

Winner

STEL

64.92%

FCF

77.47%

Sharpe Ratio

Winner

STEL

1.43

FCF

1.03

5Y Beta

STEL

0.78

Winner

FCF

0.71

Industry

STEL

Banks - Regional

FCF

Banks - Regional

P/E Ratio

STEL

18.14

Winner

FCF

12.35

Forward P/E

STEL

14.88

Winner

FCF

10.92

PEG Ratio

STEL

N/A

FCF

0.98

Dividend Yield

STEL

1.55%

Winner

FCF

2.88%

5Y Dividends CAGR

Winner

STEL

12.47%

FCF

8.85%

5Y EPS CAGR

Winner

STEL

16.08%

FCF

6.28%

Debt to Equity

Winner

STEL

0.00%

FCF

1.47%

Free Cash Flow Yield

STEL

6.07%

Winner

FCF

10.60%

P/S Ratio

STEL

4.52

Winner

FCF

3.85

P/B Ratio

Winner

STEL

1.15

FCF

1.23

STEL vs FCF - Historical Returns

Returns include dividend reinvestment.

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

STEL

+0.00%

Winner

FCF

+3.49%

STEL

+1.18%

Winner

FCF

+9.25%

Winner

STEL

+19.78%

FCF

+17.57%

Winner

STEL

+43.00%

FCF

+28.03%

5Y(CAGR)

STEL

+7.49%

Winner

FCF

+8.22%

10Y(CAGR)

STEL

+4.93%

Winner

FCF

+10.85%

Max(CAGR)

STEL

+4.93%

Winner

FCF

+5.14%

STEL vs FCF - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

STEL vs FCF Drawdown Comparison

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

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

The current STEL drawdown is -4.94%.

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

Correlation

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

0.76

-101

Dividend Comparison (1999 - 2026)

STEL vs FCF dividend yield comparison.

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