FIRST COMMONWEALTH FINL CORP (FCF) Stock Fundamental Analysis
USA - NYSE:FCF - US3198291078 - Common Stock
15.46 USD
+0.17 (+1.11%)
15.46 USD
0 (0%)
Overall FCF gets a fundamental rating of 4 out of 10. We evaluated FCF against 390 industry peers in the Banks industry. There are concerns on the financial health of FCF while its profitability can be described as average. FCF has a decent growth rate and is not valued too expensively. Finally 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.
FCF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FCF (1.10%) is better than 73.33% of its industry peers.
FCF has a Return On Equity (8.83%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 8.83% | ||
| 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
Looking at the Profit Margin, with a value of 27.32%, FCF is in the better half of the industry, outperforming 71.54% of the companies in the same industry.
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) | 27.32% | ||
| 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.
Compared to 1 year ago, FCF has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FCF is 2.64, which is a good value as it means it would take FCF, 2.64 years of fcf income to pay off all of its debts.
FCF has a Debt to FCF ratio of 2.64. This is comparable to the rest of the industry: FCF outperforms 42.05% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that FCF is not too dependend on debt financing.
FCF has a Debt to Equity ratio of 0.23. This is in the lower half of the industry: FCF underperforms 62.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.54%
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%.
FCF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.79% yearly.
FCF shows a small growth in Revenue. In the last year, the Revenue has grown by 5.79%.
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
FCF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.90% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 11.20.
FCF's Price/Earnings ratio is in line with the industry average.
FCF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
A Price/Forward Earnings ratio of 8.73 indicates a reasonable valuation of FCF.
69.23% of the companies in the same industry are more expensive than FCF, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FCF to the average of the S&P500 Index (22.53), we can say FCF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.2 | ||
| Fwd PE | 8.73 |
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 | 11.9 | ||
| 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)2
PEG (5Y)2.34
EPS Next 2Y12.9%
EPS Next 3Y10.9%
5. Dividend
5.1 Amount
FCF has a Yearly Dividend Yield of 3.53%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.44, FCF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, FCF pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
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 40.24% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of FCF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.24%
EPS Next 2Y12.9%
EPS Next 3Y10.9%
15.46
+0.17 (+1.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.65%
Inst Owner Change0.45%
Ins Owners1.95%
Ins Owner Change-0.07%
Market Cap1.62B
Revenue(TTM)505.41M
Net Income(TTM)134.03M
Analysts75.56
Price Target19.13 (23.74%)
Short Float %1.69%
Short Ratio3.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
Yearly Dividend0.52
Dividend Growth(5Y)5.2%
DP40.24%
Div Incr Years8
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.43%
Min EPS beat(2)-5.42%
Max EPS beat(2)-1.43%
EPS beat(4)0
Avg EPS beat(4)-5.49%
Min EPS beat(4)-13.71%
Max EPS beat(4)-1.39%
EPS beat(8)3
Avg EPS beat(8)-1.7%
EPS beat(12)4
Avg EPS beat(12)-4.49%
EPS beat(16)6
Avg EPS beat(16)-2.25%
Revenue beat(2)1
Avg Revenue beat(2)1.24%
Min Revenue beat(2)-0.54%
Max Revenue beat(2)3.03%
Revenue beat(4)2
Avg Revenue beat(4)0.66%
Min Revenue beat(4)-0.54%
Max Revenue beat(4)3.03%
Revenue beat(8)2
Avg Revenue beat(8)-0.94%
Revenue beat(12)3
Avg Revenue beat(12)-1.29%
Revenue beat(16)4
Avg Revenue beat(16)-1.13%
PT rev (1m)-2.34%
PT rev (3m)1.9%
EPS NQ rev (1m)-0.81%
EPS NQ rev (3m)6.49%
EPS NY rev (1m)-0.35%
EPS NY rev (3m)3.17%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)1.83%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)2.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.2 | ||
| Fwd PE | 8.73 | ||
| P/S | 3.29 | ||
| P/FCF | 11.9 | ||
| P/OCF | 10.53 | ||
| P/B | 1.06 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY8.93%
EPS(NY)1.77
Fwd EY11.46%
FCF(TTM)1.3
FCFY8.41%
OCF(TTM)1.47
OCFY9.49%
SpS4.69
BVpS14.52
TBVpS10.67
PEG (NY)2
PEG (5Y)2.34
Graham Number21.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 8.83% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.32% | ||
| GM | N/A | ||
| FCFM | 27.69% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.64 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 274.22% | ||
| Cap/Sales | 3.58% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 101.37% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.54%
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 1Y-15.25%
FCF growth 3Y-9.64%
FCF growth 5Y4.78%
OCF growth 1Y-13.51%
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 11.2 and the Price/Book (PB) ratio is 1.06.
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 40.24%.