First Commonwealth Financial Corporation (FCF)

FCF Statistics

Total Valuation

FCF has a market cap or net worth of $1.71 billion. The enterprise value is $2.08 billion.

Market Cap	1.71B
Enterprise Value	2.08B

Important Dates

The last earnings date was Tuesday, October 28, 2025, after market close.

Earnings Date	Oct 28, 2025
Ex-Dividend Date	Aug 8, 2025

Share Statistics

FCF has 104.20 million shares outstanding. The number of shares has increased by 0.22% in one year.

Current Share Class	104.20M
Shares Outstanding	104.20M
Shares Change (YoY)	+0.22%
Shares Change (QoQ)	+2.03%
Owned by Insiders (%)	2.23%
Owned by Institutions (%)	78.25%
Float	101.84M

Valuation Ratios

The trailing PE ratio is 12.61 and the forward PE ratio is 9.72.

PE Ratio	12.61
Forward PE	9.72
PS Ratio	3.68
Forward PS	3.06
PB Ratio	1.13
P/TBV Ratio	1.53
P/FCF Ratio	12.57
P/OCF Ratio	11.13
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.55
EV / Sales	4.59
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	15.34

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.06
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.31%.

Return on Equity (ROE)	9.31%
Return on Assets (ROA)	1.12%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$294,258
Profits Per Employee	$86,753
Employee Count	1,545
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FCF has paid $34.22 million in taxes.

Income Tax	34.22M
Effective Tax Rate	20.34%

Stock Price Statistics

The stock price has decreased by -1.38% in the last 52 weeks. The beta is 0.81, so FCF's price volatility has been lower than the market average.

Beta (5Y)	0.81
52-Week Price Change	-1.38%
50-Day Moving Average	17.06
200-Day Moving Average	16.26
Relative Strength Index (RSI)	46.73
Average Volume (20 Days)	521,006

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FCF had revenue of $454.63 million and earned $134.03 million in profits. Earnings per share was $1.30.

Revenue	454.63M
Gross Profit	454.63M
Operating Income	187.99M
Pretax Income	168.25M
Net Income	134.03M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.30

Balance Sheet

The company has $174.75 million in cash and $551.66 million in debt, giving a net cash position of -$376.91 million or -$3.62 per share.

Cash & Cash Equivalents	174.75M
Total Debt	551.66M
Net Cash	-376.91M
Net Cash Per Share	-$3.62
Equity (Book Value)	1.52B
Book Value Per Share	14.51
Working Capital	-10.14B

Cash Flow

In the last 12 months, operating cash flow was $153.42 million and capital expenditures -$17.55 million, giving a free cash flow of $135.87 million.

Operating Cash Flow	153.42M
Capital Expenditures	-17.55M
Free Cash Flow	135.87M
FCF Per Share	$1.30

Margins

Gross Margin	n/a
Operating Margin	41.35%
Pretax Margin	37.01%
Profit Margin	29.48%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	29.89%

Dividends & Yields

This stock pays an annual dividend of $0.54, which amounts to a dividend yield of 3.30%.

Dividend Per Share	$0.54
Dividend Yield	3.30%
Dividend Growth (YoY)	3.92%
Years of Dividend Growth	8
Payout Ratio	40.77%
Buyback Yield	-0.22%
Shareholder Yield	3.07%
Earnings Yield	7.85%
FCF Yield	7.96%

Analyst Forecast

The average price target for FCF is $19.00, which is 15.92% higher than the current price. The consensus rating is "Buy".

Price Target	$19.00
Price Target Difference	15.92%
Analyst Consensus	Buy
Analyst Count	7
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	4