FIRST COMMONWEALTH FINL CORP(NYSE:FCF) stock Fundamental Analysis

Fundamental Rating

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.

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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.

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 Rank	Sector 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

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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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 Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.87
Altman-Z	N/A

ROIC/WACCN/A

WACC14.9%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

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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 Rank	Sector Rank
PE	10.84
Fwd PE	10.68

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	13.47
EV/EBITDA	N/A

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

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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 Rank	Sector 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

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

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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 Rank	Sector 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 Rank	Sector 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 Rank	Sector 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 Rank	Sector 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%

FIRST COMMONWEALTH FINL CORP (FCF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens