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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

D1W1MN
XNYS:FCF chart
P/E
10.30
P/S
3.46
EPS
1.54
Div Yield, %
3.14%
Shrs. gr., 5y
0.46%
Rev. gr., 5y
6.51%
Revenues
467m
+13.71%
214,984,000223,675,000211,210,000210,252,000231,429,000262,020,000265,188,000247,536,000254,363,000244,814,000244,539,000249,801,000263,634,000309,111,000340,859,000355,347,000362,747,000385,298,000410,929,000467,268,000
Net income
157m
+22.53%
38,652,00057,836,00052,954,00046,250,00043,087,000-20,064,00022,978,00015,274,00041,954,00041,482,00044,453,00050,143,00059,590,00055,165,000107,498,000105,333,00073,447,000138,257,000128,181,000157,063,000
CFO
163m
+7.50%
39,223,00076,700,00064,757,00069,746,00052,320,00057,234,000110,870,00084,119,00078,724,00085,734,00082,137,00072,751,00089,273,00088,305,000135,263,000107,632,000105,699,000165,046,000151,413,000162,765,000
Dividend
Aug 02, 20240.13 USD/sh
Earnings
Jan 28, 2025

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.
IPO date
Jun 10, 1992
Employees
1,483
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
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%