First Commonwealth Financial Corporation (FCF)

FCF Statistics

Total Valuation

FCF has a market cap or net worth of $1.64 billion. The enterprise value is $1.89 billion.

Market Cap	1.64B
Enterprise Value	1.89B

Important Dates

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

Earnings Date	Oct 28, 2025
Ex-Dividend Date	Nov 7, 2025

Share Statistics

FCF has 103.95 million shares outstanding. The number of shares has increased by 0.81% in one year.

Current Share Class	103.95M
Shares Outstanding	103.95M
Shares Change (YoY)	+0.81%
Shares Change (QoQ)	+0.80%
Owned by Insiders (%)	2.23%
Owned by Institutions (%)	78.35%
Float	101.60M

Valuation Ratios

The trailing PE ratio is 11.37 and the forward PE ratio is 9.18.

PE Ratio	11.37
Forward PE	9.18
PS Ratio	3.47
Forward PS	2.92
PB Ratio	1.07
P/TBV Ratio	1.44
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	13.22
EV / Sales	4.04
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 9.71%.

Return on Equity (ROE)	9.71%
Return on Assets (ROA)	1.18%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$303,384
Profits Per Employee	$92,735
Employee Count	1,545
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FCF has paid $36.27 million in taxes.

Income Tax	36.27M
Effective Tax Rate	20.20%

Stock Price Statistics

The stock price has decreased by -2.83% 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	-2.83%
50-Day Moving Average	16.85
200-Day Moving Average	16.23
Relative Strength Index (RSI)	43.36
Average Volume (20 Days)	618,808

Short Selling Information

The latest short interest is 1.73 million, so 1.66% of the outstanding shares have been sold short.

Short Interest	1.73M
Short Previous Month	2.20M
Short % of Shares Out	1.66%
Short % of Float	1.70%
Short Ratio (days to cover)	2.65

Income Statement

In the last 12 months, FCF had revenue of $468.73 million and earned $143.28 million in profits. Earnings per share was $1.39.

Revenue	468.73M
Gross Profit	468.73M
Operating Income	198.21M
Pretax Income	179.54M
Net Income	143.28M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.39

Balance Sheet

The company has $161.41 million in cash and $411.61 million in debt, giving a net cash position of -$250.20 million or -$2.41 per share.

Cash & Cash Equivalents	161.41M
Total Debt	411.61M
Net Cash	-250.20M
Net Cash Per Share	-$2.41
Equity (Book Value)	1.54B
Book Value Per Share	14.83
Working Capital	-10.15B

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	42.29%
Pretax Margin	38.30%
Profit Margin	30.57%
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 3.42%.

Dividend Per Share	$0.54
Dividend Yield	3.42%
Dividend Growth (YoY)	3.88%
Years of Dividend Growth	8
Payout Ratio	38.49%
Buyback Yield	-0.81%
Shareholder Yield	2.65%
Earnings Yield	8.72%
FCF Yield	n/a

Analyst Forecast

The average price target for FCF is $19.00, which is 20.18% higher than the current price. The consensus rating is "Buy".

Price Target	$19.00
Price Target Difference	20.18%
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	2