FIRST COMMONWEALTH FINL CORP (FCF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FCF - US3198291078 - Common Stock
16.36 USD
-0.22 (-1.33%)
16.36 USD
0 (0%)
Overall FCF gets a fundamental rating of 4 out of 10. We evaluated FCF against 387 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 has a correct valuation and a medium growth rate. FCF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year FCF was profitable.
In the past year FCF had a positive cash flow from operations.
Each year in the past 5 years FCF has been profitable.
In the past 5 years FCF always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.16%, FCF is in the better half of the industry, outperforming 73.90% of the companies in the same industry.
FCF's Return On Equity of 9.29% is in line compared to the rest of the industry. FCF outperforms 56.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 9.29% | ||
| 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
1.3 Margins
FCF has a Profit Margin of 28.35%. This is in the better half of the industry: FCF outperforms 71.83% of its industry peers.
In the last couple of years the Profit Margin of FCF has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for FCF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.35% | ||
| 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
2. Health
2.1 Basic Checks
FCF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FCF has been reduced compared to 1 year ago.
Compared to 5 years ago, FCF has more shares outstanding
FCF has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FCF is 2.14, which is a good value as it means it would take FCF, 2.14 years of fcf income to pay off all of its debts.
FCF's Debt to FCF ratio of 2.14 is in line compared to the rest of the industry. FCF outperforms 47.29% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that FCF is not too dependend on debt financing.
FCF's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. FCF outperforms 47.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.14 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FCF have decreased by -6.76% 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.
The Revenue has been growing slightly by 5.79% in the past 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)-6.76%
EPS 3Y-1.4%
EPS 5Y4.79%
EPS Q2Q%25.81%
Revenue 1Y (TTM)5.79%
Revenue growth 3Y7.46%
Revenue growth 5Y6.11%
Sales Q2Q%12.18%
3.2 Future
The Earnings Per Share is expected to grow by 10.90% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.72% on average over the next years.
EPS Next Y5.6%
EPS Next 2Y12.9%
EPS Next 3Y10.9%
EPS Next 5YN/A
Revenue Next Year9.33%
Revenue Next 2Y8.33%
Revenue Next 3Y7.72%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
FCF is valuated reasonably with a Price/Earnings ratio of 11.86.
The rest of the industry has a similar Price/Earnings ratio as FCF.
FCF is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.23, the valuation of FCF can be described as reasonable.
Based on the Price/Forward Earnings ratio, FCF is valued a bit cheaper than 64.34% of the companies in the same industry.
FCF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.86 | ||
| Fwd PE | 9.23 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as FCF.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FCF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.12
PEG (5Y)2.47
EPS Next 2Y12.9%
EPS Next 3Y10.9%
5. Dividend
5.1 Amount
FCF has a Yearly Dividend Yield of 3.47%.
Compared to an average industry Dividend Yield of 3.33, FCF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, FCF pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
5.2 History
The dividend of FCF has a limited annual growth rate of 5.20%.
FCF has been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
38.19% of the earnings are spent on dividend by FCF. This is a low number and sustainable payout ratio.
FCF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP38.19%
EPS Next 2Y12.9%
EPS Next 3Y10.9%
16.36
-0.22 (-1.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.65%
Inst Owner Change-1.38%
Ins Owners1.95%
Ins Owner Change-0.23%
Market Cap1.71B
Revenue(TTM)505.41M
Net Income(TTM)143.28M
Analysts75.56
Price Target18.87 (15.34%)
Short Float %1.66%
Short Ratio2.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
Yearly Dividend0.52
Dividend Growth(5Y)5.2%
DP38.19%
Div Incr Years8
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.62%
Min EPS beat(2)-5.82%
Max EPS beat(2)-5.42%
EPS beat(4)0
Avg EPS beat(4)-3.52%
Min EPS beat(4)-5.82%
Max EPS beat(4)-1.39%
EPS beat(8)3
Avg EPS beat(8)-1.69%
EPS beat(12)4
Avg EPS beat(12)-4.67%
EPS beat(16)5
Avg EPS beat(16)-3.35%
Revenue beat(2)1
Avg Revenue beat(2)1.1%
Min Revenue beat(2)-0.83%
Max Revenue beat(2)3.03%
Revenue beat(4)1
Avg Revenue beat(4)0.32%
Min Revenue beat(4)-0.83%
Max Revenue beat(4)3.03%
Revenue beat(8)2
Avg Revenue beat(8)-0.8%
Revenue beat(12)2
Avg Revenue beat(12)-1.5%
Revenue beat(16)3
Avg Revenue beat(16)-1.34%
PT rev (1m)-3.65%
PT rev (3m)-3.65%
EPS NQ rev (1m)-1.69%
EPS NQ rev (3m)-0.68%
EPS NY rev (1m)-1.72%
EPS NY rev (3m)-1.4%
Revenue NQ rev (1m)-0.97%
Revenue NQ rev (3m)-1.08%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.86 | ||
| Fwd PE | 9.23 | ||
| P/S | 3.38 | ||
| P/FCF | 13 | ||
| P/OCF | 11.45 | ||
| P/B | 1.11 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY8.44%
EPS(NY)1.77
Fwd EY10.83%
FCF(TTM)1.26
FCFY7.69%
OCF(TTM)1.43
OCFY8.73%
SpS4.83
BVpS14.75
TBVpS10.91
PEG (NY)2.12
PEG (5Y)2.47
Graham Number21.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 9.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.35% | ||
| GM | N/A | ||
| FCFM | 26.04% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.14 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 257.15% | ||
| Cap/Sales | 3.5% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 91.85% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.22%
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)-6.76%
EPS 3Y-1.4%
EPS 5Y4.79%
EPS Q2Q%25.81%
EPS Next Y5.6%
EPS Next 2Y12.9%
EPS Next 3Y10.9%
EPS Next 5YN/A
Revenue 1Y (TTM)5.79%
Revenue growth 3Y7.46%
Revenue growth 5Y6.11%
Sales Q2Q%12.18%
Revenue Next Year9.33%
Revenue Next 2Y8.33%
Revenue Next 3Y7.72%
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 1Y3.4%
FCF growth 3Y-9.64%
FCF growth 5Y4.78%
OCF growth 1Y-0.11%
OCF growth 3Y-7.77%
OCF growth 5Y3.77%
FIRST COMMONWEALTH FINL CORP / FCF FAQ
Can you provide the ChartMill fundamental rating for FIRST COMMONWEALTH FINL CORP?
ChartMill assigns a fundamental rating of 4 / 10 to FCF.
What is the valuation status of FIRST COMMONWEALTH FINL CORP (FCF) stock?
ChartMill assigns a valuation rating of 4 / 10 to FIRST COMMONWEALTH FINL CORP (FCF). This can be considered as Fairly Valued.
How profitable is FIRST COMMONWEALTH FINL CORP (FCF) stock?
FIRST COMMONWEALTH FINL CORP (FCF) has a profitability rating of 4 / 10.
What are the PE and PB ratios of FIRST COMMONWEALTH FINL CORP (FCF) stock?
The Price/Earnings (PE) ratio for FIRST COMMONWEALTH FINL CORP (FCF) is 11.86 and the Price/Book (PB) ratio is 1.11.
Is the dividend of FIRST COMMONWEALTH FINL CORP sustainable?
The dividend rating of FIRST COMMONWEALTH FINL CORP (FCF) is 7 / 10 and the dividend payout ratio is 38.19%.