Financial Survey: First Commonwealth Financial (NYSE:FCF) vs. Princeton National Bancorp (OTCMKTS:PNBC)

First Commonwealth Financial (NYSE:FCF) and Princeton National Bancorp (OTCMKTS:PNBC) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, profitability, valuation, earnings and analyst recommendations.

Valuation & Earnings

This table compares First Commonwealth Financial and Princeton National Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Commonwealth Financial	$482.29 million	2.81	$157.06 million	$1.54	8.61
Princeton National Bancorp	N/A	N/A	N/A	N/A	N/A

First Commonwealth Financial has higher revenue and earnings than Princeton National Bancorp.

Analyst Recommendations

This is a summary of recent ratings for First Commonwealth Financial and Princeton National Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Commonwealth Financial	0	0	2	0	3.00
Princeton National Bancorp	0	0	0	0	N/A

First Commonwealth Financial currently has a consensus target price of $14.75, indicating a potential upside of 11.19%.

Institutional and Insider Ownership

72.6% of First Commonwealth Financial shares are held by institutional investors. 2.0% of First Commonwealth Financial shares are held by company insiders. Comparatively, 6.6% of Princeton National Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
First Commonwealth Financial	25.07%	13.78%	1.52%
Princeton National Bancorp	N/A	N/A	N/A

Summary

First Commonwealth Financial beats Princeton National Bancorp on 6 of the 7 factors compared between the two stocks.

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.

About Princeton National Bancorp

Princeton National Bancorp, Inc. does not have significant operations. Previously it operated as a holding company for Citizens First National Bank that provided commercial banking and trust services in Illinois. The company was incorporated in 1981 and is headquartered in Princeton, Illinois.