First Commonwealth Financial Corporation (FCF)

FCF Statistics

Total Valuation

FCF has a market cap or net worth of $1.58 billion. The enterprise value is $1.84 billion.

Market Cap	1.58B
Enterprise Value	1.84B

Important Dates

The next estimated earnings date is Tuesday, April 22, 2025, before market open.

Earnings Date	Apr 22, 2025
Ex-Dividend Date	Feb 7, 2025

Share Statistics

FCF has 101.45 million shares outstanding. The number of shares has increased by 0.38% in one year.

Current Share Class	101.45M
Shares Outstanding	101.45M
Shares Change (YoY)	+0.38%
Shares Change (QoQ)	-0.45%
Owned by Insiders (%)	2.18%
Owned by Institutions (%)	75.89%
Float	99.18M

Valuation Ratios

The trailing PE ratio is 11.18 and the forward PE ratio is 11.13.

PE Ratio	11.18
Forward PE	11.13
PS Ratio	3.52
Forward PS	3.12
PB Ratio	1.12
P/TBV Ratio	1.53
P/FCF Ratio	13.79
P/OCF Ratio	12.13
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.88
EV / Sales	4.09
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	16.12

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.86
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.49%.

Return on Equity (ROE)	10.49%
Return on Assets (ROA)	1.24%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$290,293
Profits Per Employee	$92,280
Employee Count	1,545
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FCF has paid $35.64 million in taxes.

Income Tax	35.64M
Effective Tax Rate	20.00%

Stock Price Statistics

The stock price has increased by +11.28% in the last 52 weeks. The beta is 0.83, so FCF's price volatility has been lower than the market average.

Beta (5Y)	0.83
52-Week Price Change	+11.28%
50-Day Moving Average	16.19
200-Day Moving Average	16.57
Relative Strength Index (RSI)	38.93
Average Volume (20 Days)	892,620

Short Selling Information

The latest short interest is 1.55 million, so 1.53% of the outstanding shares have been sold short.

Short Interest	1.55M
Short Previous Month	1.08M
Short % of Shares Out	1.53%
Short % of Float	1.56%
Short Ratio (days to cover)	2.49

Income Statement

In the last 12 months, FCF had revenue of $448.50 million and earned $142.57 million in profits. Earnings per share was $1.39.

Revenue	448.50M
Gross Profit	448.50M
Operating Income	194.19M
Pretax Income	199.06M
Net Income	142.57M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.39

Balance Sheet

The company has $174.98 million in cash and $439.76 million in debt, giving a net cash position of -$264.78 million or -$2.61 per share.

Cash & Cash Equivalents	174.98M
Total Debt	439.76M
Net Cash	-264.78M
Net Cash Per Share	-$2.61
Equity (Book Value)	1.41B
Book Value Per Share	13.86
Working Capital	-9.59B

Cash Flow

In the last 12 months, operating cash flow was $129.46 million and capital expenditures -$15.55 million, giving a free cash flow of $113.92 million.

Operating Cash Flow	129.46M
Capital Expenditures	-15.55M
Free Cash Flow	113.92M
FCF Per Share	$1.12

Margins

Gross Margin	n/a
Operating Margin	43.30%
Pretax Margin	39.73%
Profit Margin	31.79%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	25.40%

Dividends & Yields

This stock pays an annual dividend of $0.52, which amounts to a dividend yield of 3.35%.

Dividend Per Share	$0.52
Dividend Yield	3.35%
Dividend Growth (YoY)	4.00%
Years of Dividend Growth	10
Payout Ratio	37.41%
Buyback Yield	-0.38%
Shareholder Yield	2.99%
Earnings Yield	9.08%
FCF Yield	7.25%

Analyst Forecast

The average price target for FCF is $19.36, which is 24.58% higher than the current price. The consensus rating is "Buy".

Price Target	$19.36
Price Target Difference	24.58%
Analyst Consensus	Buy
Analyst Count	7
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	3