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FIRST COMMONWEALTH FINL CORP (FCF) Stock Fundamental Analysis

NYSE:FCF - New York Stock Exchange, Inc. - US3198291078 - Common Stock - Currency: USD

15.07  -0.17 (-1.12%)

After market: 15.07 0 (0%)

Fundamental Rating

4

FCF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. While FCF is still in line with the averages on profitability rating, there are concerns on its financial health. FCF is not valued too expensively and it also shows a decent growth rate. Finally FCF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

In the past year FCF was profitable.
FCF had a positive operating cash flow in the past year.
In the past 5 years FCF has always been profitable.
Each year in the past 5 years FCF had a positive operating cash flow.
FCF Yearly Net Income VS EBIT VS OCF VS FCFFCF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

FCF has a better Return On Assets (1.23%) than 80.40% of its industry peers.
FCF has a Return On Equity of 10.15%. This is in the better half of the industry: FCF outperforms 68.09% of its industry peers.
Industry RankSector Rank
ROA 1.23%
ROE 10.15%
ROIC N/A
ROA(3y)1.3%
ROA(5y)1.23%
ROE(3y)11.43%
ROE(5y)10.72%
ROIC(3y)N/A
ROIC(5y)N/A
FCF Yearly ROA, ROE, ROICFCF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FCF has a Profit Margin of 29.82%. This is amongst the best in the industry. FCF outperforms 81.66% of its industry peers.
FCF's Profit Margin has been stable in the last couple of years.
FCF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.82%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.99%
PM growth 5Y0.13%
GM growth 3YN/A
GM growth 5YN/A
FCF Yearly Profit, Operating, Gross MarginsFCF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

3

2. Health

2.1 Basic Checks

FCF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FCF has less shares outstanding
FCF has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, FCF has an improved debt to assets ratio.
FCF Yearly Shares OutstandingFCF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
FCF Yearly Total Debt VS Total AssetsFCF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

FCF has a debt to FCF ratio of 1.87. This is a very positive value and a sign of high solvency as it would only need 1.87 years to pay back of all of its debts.
The Debt to FCF ratio of FCF (1.87) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.15 indicates that FCF is not too dependend on debt financing.
FCF's Debt to Equity ratio of 0.15 is fine compared to the rest of the industry. FCF outperforms 60.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.87
Altman-Z N/A
ROIC/WACCN/A
WACC14.9%
FCF Yearly LT Debt VS Equity VS FCFFCF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FCF Yearly Current Assets VS Current LiabilitesFCF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

4

3. Growth

3.1 Past

The earnings per share for FCF have decreased by -9.74% in the last year.
Measured over the past 5 years, FCF shows a small growth in Earnings Per Share. The EPS has been growing by 4.79% on average per year.
Looking at the last year, FCF shows a decrease in Revenue. The Revenue has decreased by -0.86% in the last year.
Measured over the past years, FCF shows a small growth in Revenue. The Revenue has been growing by 6.11% on average per year.
EPS 1Y (TTM)-9.74%
EPS 3Y-1.4%
EPS 5Y4.79%
EPS Q2Q%-20.45%
Revenue 1Y (TTM)-0.86%
Revenue growth 3Y7.46%
Revenue growth 5Y6.11%
Sales Q2Q%0.32%

3.2 Future

Based on estimates for the next years, FCF will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.11% on average per year.
FCF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.73% yearly.
EPS Next Y1.53%
EPS Next 2Y8.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.94%
Revenue Next 2Y6.73%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
FCF Yearly Revenue VS EstimatesFCF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
FCF Yearly EPS VS EstimatesFCF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.84 indicates a reasonable valuation of FCF.
FCF's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of FCF to the average of the S&P500 Index (28.79), we can say FCF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.68, the valuation of FCF can be described as reasonable.
FCF's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 21.38. FCF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.84
Fwd PE 10.68
FCF Price Earnings VS Forward Price EarningsFCF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

FCF's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.47
EV/EBITDA N/A
FCF Per share dataFCF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)7.09
PEG (5Y)2.26
EPS Next 2Y8.11%
EPS Next 3YN/A

7

5. Dividend

5.1 Amount

FCF has a Yearly Dividend Yield of 3.41%.
Compared to an average industry Dividend Yield of 3.54, FCF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.47, FCF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.41%

5.2 History

The dividend of FCF has a limited annual growth rate of 5.20%.
FCF has paid a dividend for at least 10 years, which is a reliable track record.
FCF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.2%
Div Incr Years8
Div Non Decr Years14
FCF Yearly Dividends per shareFCF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

FCF pays out 36.90% of its income as dividend. This is a sustainable payout ratio.
The dividend of FCF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.9%
EPS Next 2Y8.11%
EPS Next 3YN/A
FCF Yearly Income VS Free CF VS DividendFCF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
FCF Dividend Payout.FCF Dividend Payout, showing the Payout Ratio.FCF Dividend Payout.PayoutRetained Earnings

FIRST COMMONWEALTH FINL CORP

NYSE:FCF (4/25/2025, 8:04:55 PM)

After market: 15.07 0 (0%)

15.07

-0.17 (-1.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)04-29 2025-04-29/bmo
Inst Owners76.43%
Inst Owner Change0.1%
Ins Owners2.16%
Ins Owner Change2.2%
Market Cap1.53B
Analysts74.55
Price Target19.58 (29.93%)
Short Float %1.98%
Short Ratio2.21
Dividend
Industry RankSector Rank
Dividend Yield 3.41%
Yearly Dividend0.52
Dividend Growth(5Y)5.2%
DP36.9%
Div Incr Years8
Div Non Decr Years14
Ex-Date02-07 2025-02-07 (0.13)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.55%
Min EPS beat(2)-13.71%
Max EPS beat(2)-1.39%
EPS beat(4)2
Avg EPS beat(4)-3.03%
Min EPS beat(4)-13.71%
Max EPS beat(4)1.72%
EPS beat(8)4
Avg EPS beat(8)-3.83%
EPS beat(12)4
Avg EPS beat(12)-4.26%
EPS beat(16)7
Avg EPS beat(16)0.12%
Revenue beat(2)1
Avg Revenue beat(2)0.07%
Min Revenue beat(2)-0.38%
Max Revenue beat(2)0.53%
Revenue beat(4)1
Avg Revenue beat(4)-1.05%
Min Revenue beat(4)-3.99%
Max Revenue beat(4)0.53%
Revenue beat(8)1
Avg Revenue beat(8)-2.21%
Revenue beat(12)2
Avg Revenue beat(12)-1.76%
Revenue beat(16)3
Avg Revenue beat(16)-1.36%
PT rev (1m)0%
PT rev (3m)-0.59%
EPS NQ rev (1m)-0.44%
EPS NQ rev (3m)-3.89%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)-1.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.08%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)1.35%
Valuation
Industry RankSector Rank
PE 10.84
Fwd PE 10.68
P/S 3.21
P/FCF 13.47
P/OCF 11.85
P/B 1.09
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)1.39
EY9.22%
EPS(NY)1.41
Fwd EY9.36%
FCF(TTM)1.12
FCFY7.42%
OCF(TTM)1.27
OCFY8.44%
SpS4.7
BVpS13.8
TBVpS10.04
PEG (NY)7.09
PEG (5Y)2.26
Profitability
Industry RankSector Rank
ROA 1.23%
ROE 10.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.82%
GM N/A
FCFM 23.83%
ROA(3y)1.3%
ROA(5y)1.23%
ROE(3y)11.43%
ROE(5y)10.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.99%
PM growth 5Y0.13%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.87
Debt/EBITDA N/A
Cap/Depr 273.31%
Cap/Sales 3.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 79.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.9%
ROIC/WACCN/A
Cap/Depr(3y)305.47%
Cap/Depr(5y)214.87%
Cap/Sales(3y)3.52%
Cap/Sales(5y)3.08%
Profit Quality(3y)90.41%
Profit Quality(5y)103.31%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.74%
EPS 3Y-1.4%
EPS 5Y4.79%
EPS Q2Q%-20.45%
EPS Next Y1.53%
EPS Next 2Y8.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.86%
Revenue growth 3Y7.46%
Revenue growth 5Y6.11%
Sales Q2Q%0.32%
Revenue Next Year3.94%
Revenue Next 2Y6.73%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-11.5%
FCF growth 3Y-9.64%
FCF growth 5Y4.78%
OCF growth 1Y-14.13%
OCF growth 3Y-7.77%
OCF growth 5Y3.77%