FCF Fundamental Analysis - FIRST COMMONWEALTH FINL CORP

Fundamental Rating

Taking everything into account, FCF scores 4 out of 10 in our fundamental rating. FCF was compared to 396 industry peers in the Banks industry. There are concerns on the financial health of FCF while its profitability can be described as average. 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

FCF had positive earnings in the past year.

In the past year FCF had a positive cash flow from operations.

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

Looking at the Return On Assets, with a value of 1.17%, FCF is in the better half of the industry, outperforming 77.78% of the companies in the same industry.

With a decent Return On Equity value of 9.52%, FCF is doing good in the industry, outperforming 62.88% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

With a decent Profit Margin value of 28.70%, FCF is doing good in the industry, outperforming 78.54% of the companies in the same industry.

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 Rank	Sector 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

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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.

The number of shares outstanding for FCF has been reduced compared to 1 year ago.

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

FCF has a debt to FCF ratio of 1.61. This is a very positive value and a sign of high solvency as it would only need 1.61 years to pay back of all of its debts.

FCF has a Debt to FCF ratio of 1.61. This is comparable to the rest of the industry: FCF outperforms 56.31% of its industry peers.

FCF has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.14, FCF is in line with its industry, outperforming 59.09% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.61
Altman-Z	N/A

ROIC/WACCN/A

WACC14.53%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FCF have decreased strongly by -16.77% in the last year.

FCF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.79% yearly.

The Revenue has decreased by -0.29% in the past 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)-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 9.11% on average per year.

The Revenue is expected to grow by 7.34% on average over the next years.

EPS Next Y4.15%

EPS Next 2Y9.11%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year6.53%

Revenue Next 2Y7.34%

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 accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.14, the valuation of FCF can be described as correct.

The rest of the industry has a similar Price/Earnings ratio as FCF.

FCF is valuated cheaply when we compare the Price/Earnings ratio to 28.04, which is the current average of the S&P500 Index.

FCF is valuated reasonably with a Price/Forward Earnings ratio of 9.83.

FCF's Price/Forward Earnings ratio is in line with the industry average.

FCF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.64.

		Industry Rank	Sector Rank
PE	12.14
Fwd PE	9.83

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	13.12
EV/EBITDA	N/A

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)2.93

PEG (5Y)2.53

EPS Next 2Y9.11%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FCF has a Yearly Dividend Yield of 3.21%.

Compared to an average industry Dividend Yield of 3.36, FCF has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.31, FCF pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.21%

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

5.3 Sustainability

FCF pays out 38.54% 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.

DP38.54%

EPS Next 2Y9.11%

EPS Next 3YN/A

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FIRST COMMONWEALTH FINL CORP

NYSE:FCF (7/25/2025, 8:04:00 PM)

After market: 16.27 0 (0%)

16.27

-0.1 (-0.61%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-29 2025-04-29/bmo

Earnings (Next)07-29 2025-07-29/amc

Inst Owners75.54%

Inst Owner Change0.56%

Ins Owners1.95%

Ins Owner Change2.87%

Market Cap1.71B

Analysts74.55

Price Target18.77 (15.37%)

Short Float %3.22%

Short Ratio6.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.21%

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)2.22%

PT rev (3m)-4.17%

EPS NQ rev (1m)0.34%

EPS NQ rev (3m)3.94%

EPS NY rev (1m)0.53%

EPS NY rev (3m)2.58%

Revenue NQ rev (1m)0.28%

Revenue NQ rev (3m)3.6%

Revenue NY rev (1m)0.32%

Revenue NY rev (3m)2.49%

Valuation

		Industry Rank	Sector Rank
PE	12.14
Fwd PE	9.83
P/S	3.56
P/FCF	13.12
P/OCF	11.72
P/B	1.18
P/tB	1.6
EV/EBITDA	N/A

EPS(TTM)1.34

EY8.24%

EPS(NY)1.65

Fwd EY10.17%

FCF(TTM)1.24

FCFY7.62%

OCF(TTM)1.39

OCFY8.53%

SpS4.57

BVpS13.79

TBVpS10.14

PEG (NY)2.93

PEG (5Y)2.53

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC14.53%

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 Y4.15%

EPS Next 2Y9.11%

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 Year6.53%

Revenue Next 2Y7.34%

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%

FIRST COMMONWEALTH FINL CORP (FCF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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