First Commonwealth Financial Corporation (FCF)

FCF Statistics

Total Valuation

FCF has a market cap or net worth of $1.92 billion.

Market Cap	1.92B
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, October 29, 2024, after market close.

Earnings Date	Oct 29, 2024
Ex-Dividend Date	Nov 8, 2024

Share Statistics

FCF has 101.47 million shares outstanding. The number of shares has increased by 2.65% in one year.

Current Share Class	101.47M
Shares Outstanding	101.47M
Shares Change (YoY)	+2.65%
Shares Change (QoQ)	+0.13%
Owned by Insiders (%)	2.10%
Owned by Institutions (%)	77.06%
Float	99.25M

Valuation Ratios

The trailing PE ratio is 12.55 and the forward PE ratio is 13.26.

PE Ratio	12.55
Forward PE	13.26
PS Ratio	4.15
Forward PS	3.84
PB Ratio	1.34
P/TBV Ratio	1.84
P/FCF Ratio	12.98
P/OCF Ratio	11.78
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	5.18
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.44%.

Return on Equity (ROE)	11.44%
Return on Assets (ROA)	1.30%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$303,502
Profits Per Employee	$100,765
Employee Count	1,504
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FCF has paid $38.76 million in taxes.

Income Tax	38.76M
Effective Tax Rate	20.36%

Stock Price Statistics

The stock price has increased by +39.21% in the last 52 weeks. The beta is 0.82, so FCF's price volatility has been lower than the market average.

Beta (5Y)	0.82
52-Week Price Change	+39.21%
50-Day Moving Average	17.24
200-Day Moving Average	15.07
Relative Strength Index (RSI)	59.11
Average Volume (20 Days)	563,496

Short Selling Information

The latest short interest is 1.03 million, so 1.01% of the outstanding shares have been sold short.

Short Interest	1.03M
Short Previous Month	1.15M
Short % of Shares Out	1.01%
Short % of Float	1.04%
Short Ratio (days to cover)	2.15

Income Statement

In the last 12 months, FCF had revenue of $456.47 million and earned $151.55 million in profits. Earnings per share was $1.48.

Revenue	456.47M
Gross Profit	456.47M
Operating Income	206.69M
Pretax Income	199.06M
Net Income	151.55M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.48

Balance Sheet

The company has $600.12 million in cash and $751.45 million in debt, giving a net cash position of -$151.32 million or -$1.49 per share.

Cash & Cash Equivalents	600.12M
Total Debt	751.45M
Net Cash	-151.32M
Net Cash Per Share	-$1.49
Equity (Book Value)	1.41B
Book Value Per Share	13.83
Working Capital	-9.67B

Cash Flow

In the last 12 months, operating cash flow was $159.97 million and capital expenditures -$14.79 million, giving a free cash flow of $145.18 million.

Operating Cash Flow	159.97M
Capital Expenditures	-14.79M
Free Cash Flow	145.18M
FCF Per Share	$1.43

Margins

Gross Margin	n/a
Operating Margin	45.28%
Pretax Margin	41.69%
Profit Margin	33.20%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	23.66%

Dividends & Yields

This stock pays an annual dividend of $0.52, which amounts to a dividend yield of 2.80%.

Dividend Per Share	$0.52
Dividend Yield	2.80%
Dividend Growth (YoY)	4.04%
Years of Dividend Growth	7
Payout Ratio	35.14%
Buyback Yield	-2.65%
Shareholder Yield	0.15%
Earnings Yield	8.04%
FCF Yield	7.71%

Analyst Forecast

The average price target for FCF is $17.30, which is -8.37% lower than the current price. The consensus rating is "Hold".

Price Target	$17.30
Price Target Difference	-8.37%
Analyst Consensus	Hold
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on November 19, 1999. It was a forward split with a ratio of 2:1.

Last Split Date	Nov 19, 1999
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4