XNYSFCF
Market cap1.62bUSD
Jan 10, Last price
15.89USD
1D
-3.17%
1Q
-6.47%
Jan 2017
12.06%
Name
First Commonwealth Financial Corp
Chart & Performance
Profile
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. It also offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. As of December 31, 2021, the company operated 118 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio; corporate banking centers in Pittsburgh, Pennsylvania, as well as Columbus, Canton, and Cleveland, Ohio; and mortgage banking offices in Wexford, Pennsylvania, and Hudson, Westlake, as well as Lewis Center, Ohio. It also operates 136 automated teller machines. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | |
Income | |||||||||
Revenues | 467,268 13.71% | 410,929 6.65% | |||||||
Cost of revenue | (4,277) | 164,634 | |||||||
Unusual Expense (Income) | |||||||||
NOPBT | 471,545 | 246,295 | |||||||
NOPBT Margin | 100.92% | 59.94% | |||||||
Operating Taxes | 40,492 | 32,004 | |||||||
Tax Rate | 8.59% | 12.99% | |||||||
NOPAT | 431,053 | 214,291 | |||||||
Net income | 157,063 22.53% | 128,181 -7.29% | |||||||
Dividends | (50,814) | (44,578) | |||||||
Dividend yield | 3.23% | 3.40% | |||||||
Proceeds from repurchase of equity | (14,720) | (15,353) | |||||||
BB yield | 0.94% | 1.17% | |||||||
Debt | |||||||||
Debt current | 563,000 | 372,694 | |||||||
Long-term debt | 190,882 | 186,649 | |||||||
Deferred revenue | (14,019) | ||||||||
Other long-term liabilities | 9,959,226 | 103,776 | |||||||
Net debt | 444,836 | (1,607,799) | |||||||
Cash flow | |||||||||
Cash from operating activities | 162,765 | 151,413 | |||||||
CAPEX | (22,034) | (11,207) | |||||||
Cash from investing activities | (586,279) | (588,788) | |||||||
Cash from financing activities | 416,263 | 196,247 | |||||||
FCF | (42,799) | 511,817 | |||||||
Balance | |||||||||
Cash | 146,993 | 916,905 | |||||||
Long term investments | 162,053 | 1,250,237 | |||||||
Excess cash | 285,683 | 2,146,596 | |||||||
Stockholders' equity | 892,959 | 751,086 | |||||||
Invested Capital | 11,736,805 | 9,128,255 | |||||||
ROIC | 4.13% | 2.38% | |||||||
ROCE | 3.92% | 2.49% | |||||||
EV | |||||||||
Common stock shares outstanding | 101,822 | 93,887 | |||||||
Price | 15.44 10.52% | 13.97 -13.18% | |||||||
Market cap | 1,572,135 19.86% | 1,311,608 -14.95% | |||||||
EV | 2,016,971 | (296,191) | |||||||
EBITDA | 475,649 | 256,847 | |||||||
EV/EBITDA | 4.24 | ||||||||
Interest | 144,322 | 17,732 | |||||||
Interest/NOPBT | 30.61% | 7.20% |