FIRST COMMONWEALTH FINL CORP (FCF) Stock Fundamental Analysis

NYSE:FCF • US3198291078

18.37 USD
+0.12 (+0.66%)
At close: Feb 13, 2026
18.37 USD
0 (0%)
After Hours: 2/13/2026, 8:06:38 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, FCF scores 4 out of 10 in our fundamental rating. FCF was compared to 381 industry peers in the Banks industry. While FCF is still in line with the averages on profitability rating, there are concerns on its financial health. FCF has a correct valuation and a medium growth rate. FCF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • FCF had positive earnings in the past year.
  • 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 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • The Return On Assets of FCF (1.16%) is better than 72.44% of its industry peers.
  • The Return On Equity of FCF (9.29%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.16%
ROE 9.29%
ROIC N/A
ROA(3y)1.28%
ROA(5y)1.32%
ROE(3y)10.63%
ROE(5y)11.31%
ROIC(3y)N/A
ROIC(5y)N/A
FCF Yearly ROA, ROE, ROICFCF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 28.35%, FCF is doing good in the industry, outperforming 70.34% of the companies in the same industry.
  • FCF's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 28.35%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.26%
PM growth 5Y7.56%
GM growth 3YN/A
GM growth 5YN/A
FCF Yearly Profit, Operating, Gross MarginsFCF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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 increased compared to 1 year ago.
  • FCF has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FCF is higher compared to a year ago.
FCF Yearly Shares OutstandingFCF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
FCF Yearly Total Debt VS Total AssetsFCF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • FCF has a debt to FCF ratio of 2.14. This is a good value and a sign of high solvency as FCF would need 2.14 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.14, FCF is in line with its industry, outperforming 45.93% of the companies in the same industry.
  • FCF has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FCF (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.14
Altman-Z N/A
ROIC/WACCN/A
WACC13.81%
FCF Yearly LT Debt VS Equity VS FCFFCF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.04% over the past year.
  • The Earnings Per Share has been growing by 12.79% on average over the past years. This is quite good.
  • Looking at the last year, FCF shows a quite strong growth in Revenue. The Revenue has grown by 9.37% in the last year.
  • Measured over the past years, FCF shows a small growth in Revenue. The Revenue has been growing by 7.59% on average per year.
EPS 1Y (TTM)5.04%
EPS 3Y2.14%
EPS 5Y12.79%
EPS Q2Q%22.86%
Revenue 1Y (TTM)9.37%
Revenue growth 3Y8.36%
Revenue growth 5Y7.59%
Sales Q2Q%14.53%

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 16.44% on average per year.
  • FCF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.87% yearly.
EPS Next Y22.15%
EPS Next 2Y16.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.31%
Revenue Next 2Y6.87%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
FCF Yearly EPS VS EstimatesFCF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.58 indicates a correct valuation of FCF.
  • FCF's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.68. FCF is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 10.30, the valuation of FCF can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, FCF is valued a bit cheaper than 64.04% of the companies in the same industry.
  • FCF is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.58
Fwd PE 10.3
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FCF.
Industry RankSector Rank
P/FCF 14.36
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

  • FCF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as FCF's earnings are expected to grow with 16.44% in the coming years.
PEG (NY)0.57
PEG (5Y)0.98
EPS Next 2Y16.44%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • FCF has a Yearly Dividend Yield of 2.96%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.78, FCF has a dividend in line with its industry peers.
  • FCF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 2.96%

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
FCF Yearly Dividends per shareFCF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • FCF pays out 38.19% of its income as dividend. This is a sustainable payout ratio.
  • FCF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP38.19%
EPS Next 2Y16.44%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
FCF Dividend Payout.FCF Dividend Payout, showing the Payout Ratio.FCF Dividend Payout.PayoutRetained Earnings

More info and screens

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FIRST COMMONWEALTH FINL CORP

NYSE:FCF (2/13/2026, 8:06:38 PM)

After market: 18.37 0 (0%)

18.37

+0.12 (+0.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners78.11%
Inst Owner Change-93.18%
Ins Owners2.05%
Ins Owner Change2.24%
Market Cap1.89B
Revenue(TTM)522.91M
Net Income(TTM)143.28M
Analysts80
Price Target20.4 (11.05%)
Short Float %1.84%
Short Ratio2.72
Dividend
Industry RankSector Rank
Dividend Yield 2.96%
Yearly Dividend0.52
Dividend Growth(5Y)5.2%
DP38.19%
Div Incr Years8
Div Non Decr Years14
Ex-Date02-06
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.62%
Min EPS beat(2)-5.82%
Max EPS beat(2)-5.42%
EPS beat(4)0
Avg EPS beat(4)-3.52%
Min EPS beat(4)-5.82%
Max EPS beat(4)-1.39%
EPS beat(8)3
Avg EPS beat(8)-1.69%
EPS beat(12)4
Avg EPS beat(12)-4.67%
EPS beat(16)5
Avg EPS beat(16)-3.35%
Revenue beat(2)1
Avg Revenue beat(2)1.1%
Min Revenue beat(2)-0.83%
Max Revenue beat(2)3.03%
Revenue beat(4)1
Avg Revenue beat(4)0.32%
Min Revenue beat(4)-0.83%
Max Revenue beat(4)3.03%
Revenue beat(8)2
Avg Revenue beat(8)-0.8%
Revenue beat(12)2
Avg Revenue beat(12)-1.5%
Revenue beat(16)3
Avg Revenue beat(16)-1.34%
PT rev (1m)5.26%
PT rev (3m)6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.75%
EPS NY rev (1m)-0.17%
EPS NY rev (3m)0.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)-0.24%
Valuation
Industry RankSector Rank
PE 12.58
Fwd PE 10.3
P/S 3.74
P/FCF 14.36
P/OCF 12.65
P/B 1.23
P/tB 1.66
EV/EBITDA N/A
EPS(TTM)1.46
EY7.95%
EPS(NY)1.78
Fwd EY9.71%
FCF(TTM)1.28
FCFY6.97%
OCF(TTM)1.45
OCFY7.9%
SpS4.91
BVpS14.99
TBVpS11.09
PEG (NY)0.57
PEG (5Y)0.98
Graham Number22.19
Profitability
Industry RankSector Rank
ROA 1.16%
ROE 9.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.35%
GM N/A
FCFM 26.04%
ROA(3y)1.28%
ROA(5y)1.32%
ROE(3y)10.63%
ROE(5y)11.31%
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-2.26%
PM growth 5Y7.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.14
Debt/EBITDA N/A
Cap/Depr 257.15%
Cap/Sales 3.5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.85%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.81%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.04%
EPS 3Y2.14%
EPS 5Y12.79%
EPS Q2Q%22.86%
EPS Next Y22.15%
EPS Next 2Y16.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.37%
Revenue growth 3Y8.36%
Revenue growth 5Y7.59%
Sales Q2Q%14.53%
Revenue Next Year7.31%
Revenue Next 2Y6.87%
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-9.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-6.67%
OCF growth 3YN/A
OCF growth 5YN/A

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.


Can you provide the valuation status for FIRST COMMONWEALTH FINL CORP?

ChartMill assigns a valuation rating of 5 / 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 12.58 and the Price/Book (PB) ratio is 1.23.


How financially healthy is FIRST COMMONWEALTH FINL CORP?

The financial health rating of FIRST COMMONWEALTH FINL CORP (FCF) is 2 / 10.