First Commonwealth Financial Corporation (FCF)

FCF Statistics

Total Valuation

FCF has a market cap or net worth of $1.86 billion. The enterprise value is $2.11 billion.

Market Cap	1.86B
Enterprise Value	2.11B

Important Dates

The last earnings date was Tuesday, January 27, 2026, after market close.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	Feb 6, 2026

Share Statistics

FCF has 102.50 million shares outstanding. The number of shares has increased by 1.29% in one year.

Current Share Class	102.50M
Shares Outstanding	102.50M
Shares Change (YoY)	+1.29%
Shares Change (QoQ)	-1.06%
Owned by Insiders (%)	2.31%
Owned by Institutions (%)	76.82%
Float	100.08M

Valuation Ratios

The trailing PE ratio is 12.48 and the forward PE ratio is 10.39.

PE Ratio	12.48
Forward PE	10.39
PS Ratio	3.91
Forward PS	3.32
PB Ratio	1.21
P/TBV Ratio	1.63
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	13.85
EV / Sales	4.34
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	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.29%.

Return on Equity (ROE)	10.29%
Return on Assets (ROA)	1.27%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	7.03%
Revenue Per Employee	$309,848
Profits Per Employee	$97,193
Employee Count	1,567
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FCF has paid $39.06 million in taxes.

Income Tax	39.06M
Effective Tax Rate	20.41%

Stock Price Statistics

The stock price has increased by +11.29% in the last 52 weeks. The beta is 0.79, so FCF's price volatility has been lower than the market average.

Beta (5Y)	0.79
52-Week Price Change	+11.29%
50-Day Moving Average	17.43
200-Day Moving Average	16.66
Relative Strength Index (RSI)	58.18
Average Volume (20 Days)	792,137

Short Selling Information

The latest short interest is 1.86 million, so 1.82% of the outstanding shares have been sold short.

Short Interest	1.86M
Short Previous Month	1.80M
Short % of Shares Out	1.82%
Short % of Float	1.86%
Short Ratio (days to cover)	2.65

Income Statement

In the last 12 months, FCF had revenue of $485.53 million and earned $152.30 million in profits. Earnings per share was $1.47.

Revenue	485.53M
Gross Profit	485.53M
Operating Income	210.28M
Pretax Income	191.36M
Net Income	152.30M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.47

Balance Sheet

The company has $180.36 million in cash and $409.71 million in debt, with a net cash position of -$229.35 million or -$2.24 per share.

Cash & Cash Equivalents	180.36M
Total Debt	409.71M
Net Cash	-229.35M
Net Cash Per Share	-$2.24
Equity (Book Value)	1.55B
Book Value Per Share	15.16
Working Capital	-9.94B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	43.31%
Pretax Margin	39.41%
Profit Margin	31.37%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.54, which amounts to a dividend yield of 2.94%.

Dividend Per Share	$0.54
Dividend Yield	2.94%
Dividend Growth (YoY)	3.85%
Years of Dividend Growth	9
Payout Ratio	36.73%
Buyback Yield	-1.29%
Shareholder Yield	1.65%
Earnings Yield	8.10%
FCF Yield	n/a

Analyst Forecast

The average price target for FCF is $19.75, which is 8.82% higher than the current price. The consensus rating is "Buy".

Price Target	$19.75
Price Target Difference	8.82%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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	2