FIRST COMMONWEALTH FINL CORP (FCF) Fundamental Analysis & Valuation

NYSE:FCF • US3198291078

Current stock price

16.72 USD
-0.05 (-0.3%)
Last:

This FCF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FCF Profitability Analysis

1.1 Basic Checks

  • FCF had positive earnings in the past year.
  • In the past year FCF had a positive cash flow from operations.
  • Each year in the past 5 years FCF has been profitable.
  • Of the past 5 years FCF 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • The Return On Assets of FCF (1.16%) is better than 71.92% of its industry peers.
  • FCF has a Return On Equity (9.29%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.16%
ROE 9.29%
ROIC N/A
ROA(3y)1.28%
ROA(5y)1.32%
ROE(3y)10.63%
ROE(5y)11.31%
ROIC(3y)N/A
ROIC(5y)N/A
FCF Yearly ROA, ROE, ROICFCF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 28.35%, FCF is doing good in the industry, outperforming 67.98% of the companies in the same industry.
  • FCF's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FCF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.35%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.26%
PM growth 5Y7.56%
GM growth 3YN/A
GM growth 5YN/A
FCF Yearly Profit, Operating, Gross MarginsFCF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. FCF Health Analysis

2.1 Basic Checks

  • FCF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FCF has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, FCF has more shares outstanding
  • The debt/assets ratio for FCF is higher compared to a year ago.
FCF Yearly Shares OutstandingFCF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
FCF Yearly Total Debt VS Total AssetsFCF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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.
  • With a Debt to FCF ratio value of 2.14, FCF perfoms like the industry average, outperforming 46.98% of the companies in the same industry.
  • 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 47.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.14
Altman-Z N/A
ROIC/WACCN/A
WACC14.36%
FCF Yearly LT Debt VS Equity VS FCFFCF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. FCF Growth Analysis

3.1 Past

  • FCF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.04%.
  • The Earnings Per Share has been growing by 12.79% on average over the past years. This is quite good.
  • Looking at the last year, FCF shows a quite strong growth in Revenue. The Revenue has grown by 9.37% in the last year.
  • FCF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.59% yearly.
EPS 1Y (TTM)5.04%
EPS 3Y2.14%
EPS 5Y12.79%
EPS Q2Q%22.86%
Revenue 1Y (TTM)9.37%
Revenue growth 3Y8.36%
Revenue growth 5Y7.59%
Sales Q2Q%14.53%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.77% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 6.77% on average over the next years.
EPS Next Y21.55%
EPS Next 2Y15.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.3%
Revenue Next 2Y6.77%
Revenue Next 3YN/A
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
FCF Yearly EPS VS EstimatesFCF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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5

4. FCF Valuation Analysis

4.1 Price/Earnings Ratio

  • FCF is valuated reasonably with a Price/Earnings ratio of 11.45.
  • FCF's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.11. FCF is valued rather cheaply when compared to this.
  • FCF is valuated reasonably with a Price/Forward Earnings ratio of 9.42.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FCF indicates a somewhat cheap valuation: FCF is cheaper than 61.15% of the companies listed 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 24.12.
Industry RankSector Rank
PE 11.45
Fwd PE 9.42
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FCF.
Industry RankSector Rank
P/FCF 13.07
EV/EBITDA N/A
FCF Per share dataFCF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • FCF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • FCF's earnings are expected to grow with 15.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)0.9
EPS Next 2Y15.77%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. FCF Dividend Analysis

5.1 Amount

  • FCF has a Yearly Dividend Yield of 3.21%.
  • FCF's Dividend Yield is comparable with the industry average which is at 2.90.
  • FCF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 3.21%

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
FCF Yearly Dividends per shareFCF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • FCF pays out 38.19% 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.
DP38.19%
EPS Next 2Y15.77%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
FCF Dividend Payout.FCF Dividend Payout, showing the Payout Ratio.FCF Dividend Payout.PayoutRetained Earnings

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FCF Fundamentals: All Metrics, Ratios and Statistics

FIRST COMMONWEALTH FINL CORP

NYSE:FCF (3/18/2026, 1:14:34 PM)

16.72

-0.05 (-0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners77.15%
Inst Owner Change-2.6%
Ins Owners2.02%
Ins Owner Change2.2%
Market Cap1.72B
Revenue(TTM)522.91M
Net Income(TTM)143.28M
Analysts78
Price Target20.74 (24.04%)
Short Float %2.2%
Short Ratio2.77
Dividend
Industry RankSector Rank
Dividend Yield 3.21%
Yearly Dividend0.52
Dividend Growth(5Y)5.2%
DP38.19%
Div Incr Years8
Div Non Decr Years14
Ex-Date02-06
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)1.67%
PT rev (3m)9.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.75%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)-0.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.18%
Valuation
Industry RankSector Rank
PE 11.45
Fwd PE 9.42
P/S 3.4
P/FCF 13.07
P/OCF 11.52
P/B 1.12
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)1.46
EY8.73%
EPS(NY)1.77
Fwd EY10.61%
FCF(TTM)1.28
FCFY7.65%
OCF(TTM)1.45
OCFY8.68%
SpS4.91
BVpS14.99
TBVpS11.09
PEG (NY)0.53
PEG (5Y)0.9
Graham Number22.19
Profitability
Industry RankSector 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)1.28%
ROA(5y)1.32%
ROE(3y)10.63%
ROE(5y)11.31%
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-2.26%
PM growth 5Y7.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector 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-Score6
WACC14.36%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.04%
EPS 3Y2.14%
EPS 5Y12.79%
EPS Q2Q%22.86%
EPS Next Y21.55%
EPS Next 2Y15.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.37%
Revenue growth 3Y8.36%
Revenue growth 5Y7.59%
Sales Q2Q%14.53%
Revenue Next Year7.3%
Revenue Next 2Y6.77%
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-9.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-6.67%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST COMMONWEALTH FINL CORP / FCF Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FIRST COMMONWEALTH FINL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to FCF.


Can you provide the valuation status for FIRST COMMONWEALTH FINL CORP?

ChartMill assigns a valuation rating of 5 / 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 11.45 and the Price/Book (PB) ratio is 1.12.


How financially healthy is FIRST COMMONWEALTH FINL CORP?

The financial health rating of FIRST COMMONWEALTH FINL CORP (FCF) is 2 / 10.