FIRST COMMONWEALTH FINL CORP (FCF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FCF - US3198291078 - Common Stock
17.2 USD
-0.02 (-0.12%)
17.2 USD
0 (0%)
Overall FCF gets a fundamental rating of 4 out of 10. We evaluated FCF against 388 industry peers in the Banks industry. FCF has a medium profitability rating, but doesn't score so well on its financial health evaluation. FCF has a correct valuation and a medium growth rate. FCF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
FCF had positive earnings in the past year.
In the past year FCF had a positive cash flow from operations.
FCF had positive earnings in each of the past 5 years.
Each year in the past 5 years FCF had a positive operating cash flow.
1.2 Ratios
FCF has a Return On Assets of 1.16%. This is in the better half of the industry: FCF outperforms 73.45% of its industry peers.
FCF has a Return On Equity (9.29%) which is comparable to the rest of the industry.
| 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
With a decent Profit Margin value of 28.35%, FCF is doing good in the industry, outperforming 71.13% of the companies in the same industry.
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.
Compared to 1 year ago, FCF has less shares outstanding
The number of shares outstanding for FCF has been increased compared to 5 years ago.
FCF has a better debt/assets ratio than last year.
2.2 Solvency
FCF has a debt to FCF ratio of 2.14. This is a good value and a sign of high solvency as FCF would need 2.14 years to pay back of all of its debts.
FCF has a Debt to FCF ratio of 2.14. This is comparable to the rest of the industry: FCF outperforms 46.13% of its industry peers.
FCF has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
FCF's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. FCF outperforms 46.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.14 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FCF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.76%.
The Earnings Per Share has been growing slightly by 4.79% on average over the past years.
The Revenue has been growing slightly by 5.79% in the past year.
FCF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.11% yearly.
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 11.80% on average over the next years. This is quite good.
Based on estimates for the next years, FCF will show a small growth in Revenue. The Revenue will grow by 7.70% on average per year.
EPS Next Y5.65%
EPS Next 2Y13.15%
EPS Next 3Y11.8%
EPS Next 5YN/A
Revenue Next Year9.16%
Revenue Next 2Y8.3%
Revenue Next 3Y7.7%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.46, FCF is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of FCF is on the same level as its industry peers.
FCF is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.66 indicates a reasonable valuation of FCF.
FCF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FCF is cheaper than 64.69% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.03. FCF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.46 | ||
| Fwd PE | 9.66 |
4.2 Price Multiples
FCF's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.56 | ||
| 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)2.21
PEG (5Y)2.6
EPS Next 2Y13.15%
EPS Next 3Y11.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.09%, FCF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, FCF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.88, FCF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
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 their dividend for at least 10 years, which is a reliable track record.
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 2Y13.15%
EPS Next 3Y11.8%
17.2
-0.02 (-0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners77.96%
Inst Owner Change-1.37%
Ins Owners2.05%
Ins Owner Change-0.32%
Market Cap1.78B
Revenue(TTM)505.41M
Net Income(TTM)143.28M
Analysts75.56
Price TargetN/A
Short Float %1.85%
Short Ratio3.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
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)-1.33%
PT rev (3m)-3.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.6%
EPS NY rev (1m)0.05%
EPS NY rev (3m)-1.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.08%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.46 | ||
| Fwd PE | 9.66 | ||
| P/S | 3.53 | ||
| P/FCF | 13.56 | ||
| P/OCF | 11.95 | ||
| P/B | 1.16 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY8.02%
EPS(NY)1.78
Fwd EY10.35%
FCF(TTM)1.27
FCFY7.37%
OCF(TTM)1.44
OCFY8.37%
SpS4.87
BVpS14.86
TBVpS11
PEG (NY)2.21
PEG (5Y)2.6
Graham Number21.48
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
WACC14.15%
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 Y5.65%
EPS Next 2Y13.15%
EPS Next 3Y11.8%
EPS Next 5YN/A
Revenue 1Y (TTM)5.79%
Revenue growth 3Y7.46%
Revenue growth 5Y6.11%
Sales Q2Q%12.18%
Revenue Next Year9.16%
Revenue Next 2Y8.3%
Revenue Next 3Y7.7%
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 12.46 and the Price/Book (PB) ratio is 1.16.
Is the dividend of FIRST COMMONWEALTH FINL CORP sustainable?
The dividend rating of FIRST COMMONWEALTH FINL CORP (FCF) is 8 / 10 and the dividend payout ratio is 38.19%.