Logo image of FCF

FIRST COMMONWEALTH FINL CORP (FCF) Stock Fundamental Analysis

NYSE:FCF - New York Stock Exchange, Inc. - US3198291078 - Common Stock - Currency: USD

17.26  +0.28 (+1.65%)

After market: 17.26 0 (0%)

Fundamental Rating

4

Taking everything into account, FCF scores 4 out of 10 in our fundamental rating. FCF was compared to 395 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 correct valuation and a medium growth rate. FCF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year FCF was profitable.
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 each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

The Return On Assets of FCF (1.17%) is better than 77.47% of its industry peers.
With a decent Return On Equity value of 9.52%, FCF is doing good in the industry, outperforming 62.28% of the companies in the same industry.
Industry RankSector Rank
ROA 1.17%
ROE 9.52%
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
FCF Yearly ROA, ROE, ROICFCF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FCF's Profit Margin of 28.70% is fine compared to the rest of the industry. FCF outperforms 78.23% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 28.7%
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
FCF Yearly Profit, Operating, Gross MarginsFCF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

3

2. Health

2.1 Basic Checks

FCF does not have a ROIC to compare to the WACC, probably because it is not profitable.
FCF has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, FCF has more shares outstanding
The debt/assets ratio for FCF has been reduced compared to a year ago.
FCF Yearly Shares OutstandingFCF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
FCF Yearly Total Debt VS Total AssetsFCF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

The Debt to FCF ratio of FCF is 1.61, which is an excellent value as it means it would take FCF, only 1.61 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FCF (1.61) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.14 indicates that FCF is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.14, FCF perfoms like the industry average, outperforming 58.99% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.61
Altman-Z N/A
ROIC/WACCN/A
WACC14.25%
FCF Yearly LT Debt VS Equity VS FCFFCF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

4

3. Growth

3.1 Past

FCF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.77%.
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.
FCF shows a decrease in Revenue. In the last year, the revenue decreased by -0.29%.
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)-16.77%
EPS 3Y-1.4%
EPS 5Y4.79%
EPS Q2Q%-13.51%
Revenue 1Y (TTM)-0.29%
Revenue growth 3Y7.46%
Revenue growth 5Y6.11%
Sales Q2Q%1.49%

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 8.73% on average per year.
Based on estimates for the next years, FCF will show a small growth in Revenue. The Revenue will grow by 6.95% on average per year.
EPS Next Y3.59%
EPS Next 2Y8.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.18%
Revenue Next 2Y6.95%
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
FCF Yearly EPS VS EstimatesFCF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.88 indicates a correct valuation of FCF.
Compared to the rest of the industry, the Price/Earnings ratio of FCF is on the same level as its industry peers.
FCF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.45.
FCF is valuated reasonably with a Price/Forward Earnings ratio of 10.50.
The rest of the industry has a similar Price/Forward Earnings ratio as FCF.
FCF is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.88
Fwd PE 10.5
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.91
EV/EBITDA N/A
FCF Per share dataFCF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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)3.58
PEG (5Y)2.69
EPS Next 2Y8.73%
EPS Next 3YN/A

More info and screens

7

5. Dividend

5.1 Amount

FCF has a Yearly Dividend Yield of 3.32%.
FCF's Dividend Yield is comparable with the industry average which is at 3.47.
Compared to an average S&P500 Dividend Yield of 2.42, FCF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.32%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

38.54% 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.
DP38.54%
EPS Next 2Y8.73%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
FCF Dividend Payout.FCF Dividend Payout, showing the Payout Ratio.FCF Dividend Payout.PayoutRetained Earnings

More info and screens

FIRST COMMONWEALTH FINL CORP

NYSE:FCF (7/3/2025, 7:22:14 PM)

After market: 17.26 0 (0%)

17.26

+0.28 (+1.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/bmo
Earnings (Next)07-21 2025-07-21/amc
Inst Owners75.54%
Inst Owner Change2.47%
Ins Owners1.95%
Ins Owner Change3.06%
Market Cap1.81B
Analysts74.55
Price Target18.36 (6.37%)
Short Float %2.88%
Short Ratio4.92
Dividend
Industry RankSector Rank
Dividend Yield 3.32%
Yearly Dividend0.52
Dividend Growth(5Y)5.2%
DP38.54%
Div Incr Years8
Div Non Decr Years14
Ex-Date05-09 2025-05-09 (0.135)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.41%
Min EPS beat(2)-1.43%
Max EPS beat(2)-1.39%
EPS beat(4)1
Avg EPS beat(4)-3.82%
Min EPS beat(4)-13.71%
Max EPS beat(4)1.26%
EPS beat(8)4
Avg EPS beat(8)-0.91%
EPS beat(12)4
Avg EPS beat(12)-4.1%
EPS beat(16)6
Avg EPS beat(16)-2.36%
Revenue beat(2)0
Avg Revenue beat(2)-0.46%
Min Revenue beat(2)-0.54%
Max Revenue beat(2)-0.38%
Revenue beat(4)1
Avg Revenue beat(4)-0.19%
Min Revenue beat(4)-0.54%
Max Revenue beat(4)0.53%
Revenue beat(8)1
Avg Revenue beat(8)-1.5%
Revenue beat(12)2
Avg Revenue beat(12)-1.56%
Revenue beat(16)3
Avg Revenue beat(16)-1.38%
PT rev (1m)0%
PT rev (3m)-9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.58%
EPS NY rev (1m)0%
EPS NY rev (3m)1.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.41%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.06%
Valuation
Industry RankSector Rank
PE 12.88
Fwd PE 10.5
P/S 3.77
P/FCF 13.91
P/OCF 12.43
P/B 1.25
P/tB 1.7
EV/EBITDA N/A
EPS(TTM)1.34
EY7.76%
EPS(NY)1.64
Fwd EY9.52%
FCF(TTM)1.24
FCFY7.19%
OCF(TTM)1.39
OCFY8.04%
SpS4.57
BVpS13.79
TBVpS10.14
PEG (NY)3.58
PEG (5Y)2.69
Profitability
Industry RankSector Rank
ROA 1.17%
ROE 9.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.7%
GM N/A
FCFM 27.13%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.61
Debt/EBITDA N/A
Cap/Depr 244.86%
Cap/Sales 3.24%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 94.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.25%
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)-16.77%
EPS 3Y-1.4%
EPS 5Y4.79%
EPS Q2Q%-13.51%
EPS Next Y3.59%
EPS Next 2Y8.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.29%
Revenue growth 3Y7.46%
Revenue growth 5Y6.11%
Sales Q2Q%1.49%
Revenue Next Year6.18%
Revenue Next 2Y6.95%
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-8.71%
FCF growth 3Y-9.64%
FCF growth 5Y4.78%
OCF growth 1Y-8.25%
OCF growth 3Y-7.77%
OCF growth 5Y3.77%