First Commonwealth Financial Corporation (FCF)
NYSE: FCF · Real-Time Price · USD
15.80
+0.40 (2.60%)
At close: Jun 6, 2025, 4:00 PM
15.80
0.00 (0.00%)
After-hours: Jun 6, 2025, 4:10 PM EDT

FCF Statistics

Total Valuation

FCF has a market cap or net worth of $1.65 billion. The enterprise value is $1.90 billion.

Market Cap 1.65B
Enterprise Value 1.90B

Important Dates

The next estimated earnings date is Tuesday, July 22, 2025, after market close.

Earnings Date Jul 22, 2025
Ex-Dividend Date May 9, 2025

Share Statistics

FCF has 104.60 million shares outstanding. The number of shares has decreased by -0.30% in one year.

Current Share Class 104.60M
Shares Outstanding 104.60M
Shares Change (YoY) -0.30%
Shares Change (QoQ) -0.10%
Owned by Insiders (%) 2.14%
Owned by Institutions (%) 75.04%
Float 102.33M

Valuation Ratios

The trailing PE ratio is 11.49 and the forward PE ratio is 10.33.

PE Ratio 11.49
Forward PE 10.33
PS Ratio 3.49
Forward PS 3.16
PB Ratio 1.08
P/TBV Ratio 1.55
P/FCF Ratio 12.65
P/OCF Ratio 11.30
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 13.76
EV / Sales 4.22
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 14.56

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 3.19
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 9.91%.

Return on Equity (ROE) 9.91%
Return on Assets (ROA) 1.17%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $290,397
Profits Per Employee $89,139
Employee Count 1,545
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, FCF has paid $35.05 million in taxes.

Income Tax 35.05M
Effective Tax Rate 20.29%

Stock Price Statistics

The stock price has increased by +19.66% in the last 52 weeks. The beta is 0.76, so FCF's price volatility has been lower than the market average.

Beta (5Y) 0.76
52-Week Price Change +19.66%
50-Day Moving Average 15.31
200-Day Moving Average 16.56
Relative Strength Index (RSI) 52.73
Average Volume (20 Days) 446,671

Short Selling Information

The latest short interest is 2.45 million, so 2.35% of the outstanding shares have been sold short.

Short Interest 2.45M
Short Previous Month 2.02M
Short % of Shares Out 2.35%
Short % of Float 2.40%
Short Ratio (days to cover) 3.20

Income Statement

In the last 12 months, FCF had revenue of $448.66 million and earned $137.72 million in profits. Earnings per share was $1.34.

Revenue 448.66M
Gross Profit 448.66M
Operating Income 188.17M
Pretax Income 199.06M
Net Income 137.72M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $1.34
Full Income Statement

Balance Sheet

The company has $166.61 million in cash and $415.78 million in debt, giving a net cash position of -$249.17 million or -$2.38 per share.

Cash & Cash Equivalents 166.61M
Total Debt 415.78M
Net Cash -249.17M
Net Cash Per Share -$2.38
Equity (Book Value) 1.45B
Book Value Per Share 14.24
Working Capital -9.77B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $145.70 million and capital expenditures -$15.52 million, giving a free cash flow of $130.18 million.

Operating Cash Flow 145.70M
Capital Expenditures -15.52M
Free Cash Flow 130.18M
FCF Per Share $1.24
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 41.94%
Pretax Margin 38.51%
Profit Margin 30.70%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 29.02%

Dividends & Yields

This stock pays an annual dividend of $0.54, which amounts to a dividend yield of 3.45%.

Dividend Per Share $0.54
Dividend Yield 3.45%
Dividend Growth (YoY) 3.96%
Years of Dividend Growth 10
Payout Ratio 40.30%
Buyback Yield 0.30%
Shareholder Yield 3.75%
Earnings Yield 8.36%
FCF Yield 7.91%
Dividend Details

Analyst Forecast

The average price target for FCF is $18.94, which is 19.99% higher than the current price. The consensus rating is "Buy".

Price Target $18.94
Price Target Difference 19.99%
Analyst Consensus Buy
Analyst Count 8
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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