Logo image of FCF

FIRST COMMONWEALTH FINL CORP (FCF) Stock Fundamental Analysis

USA - NYSE:FCF - US3198291078 - Common Stock

17.55 USD
-0.37 (-2.06%)
Last: 9/19/2025, 8:04:00 PM
17.551 USD
+0 (+0.01%)
After Hours: 9/19/2025, 8:04:00 PM
Fundamental Rating

4

Taking everything into account, FCF scores 4 out of 10 in our fundamental rating. FCF was compared to 392 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.


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.
In the past 5 years FCF always reported a positive cash flow from operatings.
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 (1.10%) is better than 73.21% of its industry peers.
FCF's Return On Equity of 8.83% is in line compared to the rest of the industry. FCF outperforms 54.08% of its industry peers.
Industry RankSector 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
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

With a decent Profit Margin value of 27.32%, FCF is doing good in the industry, outperforming 71.17% of the companies in the same industry.
In the last couple of years the Profit Margin of FCF has remained more or less at the same level.
FCF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
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

2

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
FCF has more shares outstanding than it did 5 years ago.
FCF has a better debt/assets ratio than last year.
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 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.
With a Debt to FCF ratio value of 2.64, FCF perfoms like the industry average, outperforming 41.33% of the companies in the same industry.
A Debt/Equity ratio of 0.23 indicates that FCF is not too dependend on debt financing.
The Debt to Equity ratio of FCF (0.23) is worse than 61.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.64
Altman-Z N/A
ROIC/WACCN/A
WACC14.04%
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

5

3. Growth

3.1 Past

FCF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.13%.
The Earnings Per Share has been growing slightly by 4.79% on average over the past years.
Looking at the last year, FCF shows a small growth in Revenue. The Revenue has grown by 2.41% in the last year.
FCF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.11% yearly.
EPS 1Y (TTM)-16.13%
EPS 3Y-1.4%
EPS 5Y4.79%
EPS Q2Q%-11.11%
Revenue 1Y (TTM)2.41%
Revenue growth 3Y7.46%
Revenue growth 5Y6.11%
Sales Q2Q%9.89%

3.2 Future

The Earnings Per Share is expected to grow by 13.39% on average over the next years. This is quite good.
Based on estimates for the next years, FCF will show a quite strong growth in Revenue. The Revenue will grow by 8.97% on average per year.
EPS Next Y7.1%
EPS Next 2Y13.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.43%
Revenue Next 2Y8.97%
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 accelerating.
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

With a Price/Earnings ratio of 13.50, FCF is valued correctly.
FCF's Price/Earnings is on the same level as the industry average.
FCF is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.82, the valuation of FCF can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as FCF.
The average S&P500 Price/Forward Earnings ratio is at 22.86. FCF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.5
Fwd PE 9.82
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FCF is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.5
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as FCF's earnings are expected to grow with 13.39% in the coming years.
PEG (NY)1.9
PEG (5Y)2.82
EPS Next 2Y13.39%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

FCF has a Yearly Dividend Yield of 3.01%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.54, FCF has a dividend in line with 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 RankSector Rank
Dividend Yield 3.01%

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

40.24% of the earnings are spent on dividend by FCF. This is a bit on the high side, but may be sustainable.
FCF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP40.24%
EPS Next 2Y13.39%
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 (9/19/2025, 8:04:00 PM)

After market: 17.551 +0 (+0.01%)

17.55

-0.37 (-2.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2025-07-29/amc
Earnings (Next)10-27 2025-10-27/amc
Inst Owners75.94%
Inst Owner Change4.2%
Ins Owners1.94%
Ins Owner Change0.6%
Market Cap1.83B
Analysts76
Price Target19.58 (11.57%)
Short Float %2.28%
Short Ratio3.98
Dividend
Industry RankSector Rank
Dividend Yield 3.01%
Yearly Dividend0.52
Dividend Growth(5Y)5.2%
DP40.24%
Div Incr Years8
Div Non Decr Years14
Ex-Date08-08 2025-08-08 (0.135)
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)0%
PT rev (3m)6.67%
EPS NQ rev (1m)1.22%
EPS NQ rev (3m)7.96%
EPS NY rev (1m)0%
EPS NY rev (3m)3.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.06%
Valuation
Industry RankSector Rank
PE 13.5
Fwd PE 9.82
P/S 3.74
P/FCF 13.5
P/OCF 11.96
P/B 1.21
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)1.3
EY7.41%
EPS(NY)1.79
Fwd EY10.18%
FCF(TTM)1.3
FCFY7.41%
OCF(TTM)1.47
OCFY8.36%
SpS4.69
BVpS14.52
TBVpS10.67
PEG (NY)1.9
PEG (5Y)2.82
Profitability
Industry RankSector 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
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 0.23
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
WACC14.04%
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)-16.13%
EPS 3Y-1.4%
EPS 5Y4.79%
EPS Q2Q%-11.11%
EPS Next Y7.1%
EPS Next 2Y13.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.41%
Revenue growth 3Y7.46%
Revenue growth 5Y6.11%
Sales Q2Q%9.89%
Revenue Next Year9.43%
Revenue Next 2Y8.97%
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-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%