Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Seacoast Banking Corporation of Florida or First Commonwealth Financial Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Seacoast Banking Corporation of Florida and First Commonwealth Financial Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Seacoast Banking Corporation of Florida and First Commonwealth Financial Corporation

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides integrated financial services to retail and commercial customers in Florida. The company offers noninterest and interest-bearing demand deposits, money market, savings, and customer sweep accounts; time deposits; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment and revolving lines, as well as loans for automobiles, boats, and personal and family purposes. It also provides wealth management, mortgage, and insurance services through mobile and online banking solutions, as well as brokerage and annuity services. The company was founded in 1926 and is headquartered in Stuart, Florida.

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company’s consumer services include internet, mobile, and telephone banking; an automated teller machine network; 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, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, 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, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.

Latest Banks and Seacoast Banking Corporation of Florida, First Commonwealth Financial Corporation Stock News

As of July 31, 2026, Seacoast Banking Corporation of Florida had a $3.3 billion market capitalization, compared to the Banks median of $716.9 million. Seacoast Banking Corporation of Florida’s stock is up 10.6% in 2026, up 3.7% in the previous five trading days and up 23.1% in the past year.

Currently, Seacoast Banking Corporation of Florida’s price-earnings ratio is 23.3. Seacoast Banking Corporation of Florida’s trailing 12-month revenue is $630.0 million with a 23.8% net profit margin. Year-over-year quarterly sales growth most recently was 24.1%. Analysts expect adjusted earnings to reach $2.535 per share for the current fiscal year. Seacoast Banking Corporation of Florida currently has a 2.2% dividend yield.

As of July 31, 2026, First Commonwealth Financial Corporation had a $2.2 billion market cap, putting it in the 55th percentile of all stocks. First Commonwealth Financial Corporation’s stock is up 27.7% in 2026, up 3.2% in the previous five trading days and up 31.76% in the past year.

Currently, First Commonwealth Financial Corporation’s price-earnings ratio is 14.2. First Commonwealth Financial Corporation’s trailing 12-month revenue is $495.7 million with a 33.2% net profit margin. Year-over-year quarterly sales growth most recently was 9.1%. Analysts expect adjusted earnings to reach $1.723 per share for the current fiscal year. First Commonwealth Financial Corporation currently has a 2.6% dividend yield.

How We Compare Seacoast Banking Corporation of Florida and First Commonwealth Financial Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Seacoast Banking Corporation of Florida and First Commonwealth Financial Corporation’s stock grades to see how they measure up against one another.

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Seacoast Banking Corporation of Florida and First Commonwealth Financial Corporation Stock Value Grades

Company	Ticker	Value
Seacoast Banking Corporation of Florida	SBCF	D
First Commonwealth Financial Corporation	FCF	C

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Seacoast Banking Corporation of Florida has a Value Score of 31, which is Expensive. First Commonwealth Financial Corporation has a Value Score of 60, which is Average.

The Value Stock Winner: No Clear Winner

Neither Seacoast Banking Corporation of Florida or First Commonwealth Financial Corporation has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Seacoast Banking Corporation of Florida or First Commonwealth Financial Corporation is the better investment when it comes to value.

Seacoast Banking Corporation of Florida and First Commonwealth Financial Corporation’s Momentum Grades

Company	Ticker	Momentum
Seacoast Banking Corporation of Florida	SBCF	B
First Commonwealth Financial Corporation	FCF	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Seacoast Banking Corporation of Florida has a Momentum Score of 62, which is Strong. First Commonwealth Financial Corporation has a Momentum Score of 70, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both Seacoast Banking Corporation of Florida and First Commonwealth Financial Corporation have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

Seacoast Banking Corporation of Florida and First Commonwealth Financial Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Seacoast Banking Corporation of Florida	SBCF	C
First Commonwealth Financial Corporation	FCF	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Seacoast Banking Corporation of Florida has a Earnings Estimate Score of 57, which is Neutral. First Commonwealth Financial Corporation has a Earnings Estimate Score of 36, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Seacoast Banking Corporation of Florida or First Commonwealth Financial Corporation has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Seacoast Banking Corporation of Florida or First Commonwealth Financial Corporation is the better investment when it comes to estimate revisions.

Other Seacoast Banking Corporation of Florida and First Commonwealth Financial Corporation Grades

In addition to Value, Estimate Revisions and Momentum, A+ Investor also provides grades for Growth and Quality.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Seacoast Banking Corporation of Florida and First Commonwealth Financial Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Seacoast Banking Corporation of Florida or First Commonwealth Financial Corporation Stock?

Overall, Seacoast Banking Corporation of Florida stock has a Value Score of 31, Momentum Score of 62 and Estimate Revisions Score of 57.

First Commonwealth Financial Corporation stock has a Value Score of 60, Momentum Score of 70 and Estimate Revisions Score of 36.

Comparing Seacoast Banking Corporation of Florida and First Commonwealth Financial Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.