FIRST COMMONWEALTH FINL CORP (FCF) Fundamental Analysis & Valuation

NYSE:FCF • US3198291078

16.8 USD
+0.07 (+0.42%)
At close: Mar 12, 2026
16.8 USD
0 (0%)
After Hours: 3/12/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

Overall FCF gets a fundamental rating of 4 out of 10. We evaluated FCF against 381 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 decent growth rate and is not valued too expensively. Finally FCF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. FCF Profitability Analysis

1.1 Basic Checks

  • FCF had positive earnings in the past year.
  • FCF had a positive operating cash flow in the past year.
  • FCF had positive earnings in each of the past 5 years.
  • FCF had a positive operating cash flow in 4 of the past 5 years.
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

  • With a decent Return On Assets value of 1.16%, FCF is doing good in the industry, outperforming 71.92% of the companies in the same industry.
  • The Return On Equity of FCF (9.29%) 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.
  • The number of shares outstanding for FCF has been increased compared to 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

  • 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 has a Debt to FCF ratio (2.14) which is comparable to the rest of the industry.
  • FCF has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.18, FCF perfoms like the industry average, outperforming 47.51% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.14
Altman-Z N/A
ROIC/WACCN/A
WACC14.33%
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.
  • FCF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.37%.
  • The Revenue has been growing slightly by 7.59% on average over the past years.
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

  • Based on estimates for the next years, FCF will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.77% on average per year.
  • Based on estimates for the next years, FCF will show a small growth in Revenue. The Revenue will grow by 6.77% on average per year.
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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 11.51.
  • FCF's Price/Earnings is on the same level as the industry average.
  • FCF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.71.
  • FCF is valuated reasonably with a Price/Forward Earnings ratio of 9.47.
  • Based on the Price/Forward Earnings ratio, FCF is valued a bit cheaper than the industry average as 62.47% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of FCF to the average of the S&P500 Index (23.82), we can say FCF is valued rather cheaply.
Industry RankSector Rank
PE 11.51
Fwd PE 9.47
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 ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.13
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as FCF's earnings are expected to grow with 15.77% in the coming years.
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 3.06%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.86, FCF has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, FCF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.06%

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
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

  • 38.19% of the earnings are spent on dividend by FCF. This is a low number and 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 (3/12/2026, 8:04:00 PM)

After market: 16.8 0 (0%)

16.8

+0.07 (+0.42%)

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 Change2.19%
Market Cap1.73B
Revenue(TTM)522.91M
Net Income(TTM)143.28M
Analysts78
Price Target20.74 (23.45%)
Short Float %1.89%
Short Ratio2.45
Dividend
Industry RankSector Rank
Dividend Yield 3.06%
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 11.51
Fwd PE 9.47
P/S 3.42
P/FCF 13.13
P/OCF 11.57
P/B 1.12
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)1.46
EY8.69%
EPS(NY)1.77
Fwd EY10.56%
FCF(TTM)1.28
FCFY7.62%
OCF(TTM)1.45
OCFY8.64%
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
WACC14.33%
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 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 11.51 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.