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FIRST COMMONWEALTH FINL CORP (FCF) Stock Fundamental Analysis

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

15.82  -0.07 (-0.44%)

After market: 15.82 0 (0%)

Fundamental Rating

4

Taking everything into account, FCF scores 4 out of 10 in our fundamental rating. FCF was compared to 397 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. FCF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

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.
Each year in the past 5 years FCF has been profitable.
Each year in the past 5 years FCF 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

FCF has a Return On Assets of 1.23%. This is amongst the best in the industry. FCF outperforms 80.60% of its industry peers.
With a decent Return On Equity value of 10.15%, FCF is doing good in the industry, outperforming 67.76% of the companies in the same industry.
Industry RankSector 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
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 has a better Profit Margin (29.82%) than 81.61% of its industry peers.
FCF's Profit Margin has been stable 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) 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
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

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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.
The number of shares outstanding for FCF has been increased compared to 5 years ago.
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

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.
FCF has a Debt to FCF ratio (1.87) which 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 has a Debt to Equity ratio (0.15) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.87
Altman-Z N/A
ROIC/WACCN/A
WACC14.71%
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

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4

3. Growth

3.1 Past

The earnings per share for FCF have decreased strongly by -16.77% 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.
FCF shows a decrease in Revenue. In the last year, the revenue decreased by -0.86%.
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)-0.86%
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 8.11% 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

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 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

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.81 indicates a reasonable 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.
Compared to an average S&P500 Price/Earnings ratio of 28.10, FCF is valued rather cheaply.
The Price/Forward Earnings ratio is 9.74, which indicates a very decent valuation of FCF.
FCF's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.74, FCF is valued rather cheaply.
Industry RankSector Rank
PE 11.81
Fwd PE 9.74
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 14.16
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)7.72
PEG (5Y)2.46
EPS Next 2Y8.11%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

FCF has a Yearly Dividend Yield of 3.40%. Purely for dividend investing, there may be better candidates out there.
FCF's Dividend Yield is comparable with the industry average which is at 3.49.
FCF's Dividend Yield is a higher than the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 3.4%

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

5.3 Sustainability

36.90% 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.
DP36.9%
EPS Next 2Y8.11%
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

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FIRST COMMONWEALTH FINL CORP

NYSE:FCF (5/5/2025, 8:07:43 PM)

After market: 15.82 0 (0%)

15.82

-0.07 (-0.44%)

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 Owners76.43%
Inst Owner Change-0.27%
Ins Owners2.16%
Ins Owner Change2.76%
Market Cap1.61B
Analysts74.55
Price Target19.58 (23.77%)
Short Float %2.02%
Short Ratio2.24
Dividend
Industry RankSector Rank
Dividend Yield 3.4%
Yearly Dividend0.52
Dividend Growth(5Y)5.2%
DP36.9%
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)-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)-3.03%
PT rev (3m)-5.42%
EPS NQ rev (1m)-0.44%
EPS NQ rev (3m)-3.06%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)-2.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.8%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)0.94%
Valuation
Industry RankSector Rank
PE 11.81
Fwd PE 9.74
P/S 3.37
P/FCF 14.16
P/OCF 12.46
P/B 1.15
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)1.34
EY8.47%
EPS(NY)1.62
Fwd EY10.27%
FCF(TTM)1.12
FCFY7.06%
OCF(TTM)1.27
OCFY8.03%
SpS4.69
BVpS13.79
TBVpS10.02
PEG (NY)7.72
PEG (5Y)2.46
Profitability
Industry RankSector 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 RankSector 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
WACC14.71%
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 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%1.49%
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%