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First Commonwealth Financial Corporation (FCF)

Stock Price: $7.98 USD 0.02 (0.25%)
Updated Aug 6, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 783.10M
Revenue (ttm) 311.19M
Net Income (ttm) 85.47M
Shares Out 98.13M
EPS (ttm) 0.83
PE Ratio 9.61
Forward PE 39.53
Dividend $0.44
Dividend Yield 5.51%

Stock Quote

Trading Day Aug 6, 2020
Last Price $7.98
Previous Close $7.96
Change ($) 0.02
Change (%) 0.25%
Day's Open 7.93
Day's Range 7.92 - 8.07
Day's Volume 466,389
52-Week Range 6.77 - 14.93

More Stats

Market Cap 783.10M
Enterprise Value 1.03B
Earnings Date (est) Oct 21, 2020
Ex-Dividend Date Aug 6, 2020
Shares Outstanding 98.13M
Float 96.36M
EPS (basic) 0.87
EPS (diluted) 0.83
FCF / Share 1.07
Dividend $0.44
Dividend Yield 5.51%
Earnings Yield 10.40%
FCF Yield 13.43%
Payout Ratio 47.10%
Shares Short 2.51M
Short Ratio 3.75
Short % of Float 3.51%
Beta 1.10
PE Ratio 9.61
Forward PE 39.53
P/FCF Ratio 7.45
PS Ratio 2.52
PB Ratio 0.73
Revenue 311.19M
Operating Income 106.08M
Net Income 85.47M
Free Cash Flow 105.15M
Net Cash -246.75M
Net Cash / Share -2.51
Gross Margin 108.96%
Operating Margin 34.09%
Profit Margin 27.00%
FCF Margin 33.79%
ROA 0.94%
ROE 7.82%
ROIC 1.30%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (6)

Buy 0
Overweight 0
Hold 6
Underweight 0
Sell 0

Analyst Consensus: Hold

Price Target

$9.30*
(16.54% upside)
Low
9.00
Current: $7.98
High
10.00
Target: 9.30
*Average 12-month price target from 5 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue341328304245235233226234192194
Revenue Growth3.8%7.99%24.01%4.39%0.65%3.44%-3.52%21.96%-1.4%-
Gross Profit341328304245235233226234192194
Operating Income13113310485.2370.9862.1358.3956.6114.8923.22
Net Income10510755.1759.5950.1444.4541.4841.9515.2722.98
Shares Outstanding98.3299.0495.2288.8589.3693.1197.0310410593.20
Earnings Per Share1.071.080.580.670.560.480.430.400.150.25
EPS Growth-0.93%86.21%-13.43%19.64%16.67%11.63%7.5%166.67%-40%-
Dividend Per Share0.400.350.320.280.280.280.230.180.120.06
Dividend Growth14.29%9.38%14.29%0%0%21.74%27.78%50%100%-
Operating Cash Flow10813588.3189.2772.7582.1485.7378.7284.12111
Capital Expenditures-17.38-9.60-11.59-7.49-4.89-10.98-9.64-10.18-8.32-4.89
Free Cash Flow90.2512676.7181.7867.8671.1676.1068.5475.80106
Cash & Equivalents12298.9510711669.4574.5477.4410378.4869.86
Total Debt4369077959491,5921,268843636520392
Net Cash / Debt-314-808-688-833-1,523-1,193-766-533-442-323
Assets8,3097,8287,3096,6846,5676,3606,2155,9955,8415,813
Liabilities7,2536,8536,4205,9345,8475,6445,5035,2495,0835,063
Book Value1,056975888750720716712746759750
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name First Commonwealth Financial Corporation
Country United States
Employees 1,465
CEO Thomas Michael Price

Stock Information

Ticker Symbol FCF
Stock Exchange New York Stock Exchange
Sector Financial Services
Industry Banks—Regional
Unique Identifier NYSE: FCF

Description

First Commonwealth Financial Corporation, through its subsidiaries, provides consumer and commercial banking services to individuals, and small and mid-sized businesses in the United States. Its consumer services include personal checking accounts, interest-earning checking accounts, savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, IRA accounts, and automated teller machine (ATM) services, as well as Internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. It also offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. As of March 4, 2019, the company operated 137 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio. It also leases 3 mortgage loan production offices and 3 corporate loan production offices, as well as operates a network of 150 automated teller machines. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.