Stock Scorecard
Stock Summary for First Commonwealth Financial Corp (FCF) - $15.49 as of 3/31/2025 3:56:19 PM EST
Total Score
11 out of 30
Safety Score
56 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for FCF
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for FCF
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for FCF
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for FCF
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for FCF (56 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 7 |
| Book Value (Max of 10) | 5 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for FCF
Financial Details for FCF
Company Overview |
|
|---|---|
| Ticker | FCF |
| Company Name | First Commonwealth Financial Corp |
| Country | USA |
| Description | First Commonwealth Financial Corporation, a financial holding company, provides a variety of consumer and commercial banking services to individuals and small and medium-sized businesses in the United States. The company is headquartered in Indiana, Pennsylvania. |
| Sector Name | FINANCE |
| Industry Name | NATIONAL COMMERCIAL BANKS |
| Most Recent Quarter | 12/31/2024 |
| Next Earnings Date | 4/21/2025 |
Stock Price History |
|
| Last Day Price | 15.49 |
| Price 4 Years Ago | 14.40 |
| Last Day Price Updated | 3/31/2025 3:56:19 PM EST |
| Last Day Volume | 464,093 |
| Average Daily Volume | 804,167 |
| 52-Week High | 19.81 |
| 52-Week Low | 12.02 |
| Last Price to 52 Week Low | 28.87% |
Valuation Measures |
|
| Trailing PE | 11.14 |
| Industry PE | 16.34 |
| Sector PE | 18.76 |
| 5-Year Average PE | 10.58 |
| Free Cash Flow Ratio | 11.82 |
| Industry Free Cash Flow Ratio | 3.13 |
| Sector Free Cash Flow Ratio | 16.64 |
| Current Ratio Most Recent Quarter | 2.31 |
| Total Cash Per Share | 1.31 |
| Book Value Per Share Most Recent Quarter | 13.86 |
| Price to Book Ratio | 1.14 |
| Industry Price to Book Ratio | 1.03 |
| Sector Price to Book Ratio | 2.74 |
| Price to Sales Ratio Twelve Trailing Months | 3.52 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.98 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.21 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 101,781,000 |
| Market Capitalization | 1,576,587,690 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 2/7/2025 |
| Previous Dividend Amount | 0.1300 |
| Current Dividend Amount | 0.1300 |
| Total Years Dividend Increasing | 8 |
| Trailing Annual Dividend Rate | 0.52 |
| Trailing Annual Dividend Yield | 3.30% |
| Forward Annual Dividend Rate | 0.52 |
| Forward Annual Dividend Yield | 3.30% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.07% |
| 5-Year Average Dividend Yield | 3.31% |
| 1-Year Dividend Growth Rate Percentage | 0.97% |
| 3-Year Dividend Growth Rate Percentage | 0.48% |
| 5-Year Dividend Growth Rate Percentage | 3.39% |
| All-Time Dividend Growth Rate Percentage | 2.37% |
| Dividend Payout Ratio | 37.41% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -20.20% |
| Annual Earnings Growth | -9.21% |
| Reported EPS 12 Trailing Months | 1.39 |
| Reported EPS Past Year | 1.39 |
| Reported EPS Prior Year | 1.54 |
| Net Income Twelve Trailing Months | 142,600,000 |
| Net Income Past Year | 142,600,000 |
| Net Income Prior Year | 157,063,000 |
| Quarterly Revenue Growth YOY | -6.50% |
| 5-Year Revenue Growth | 5.79% |
| Operating Margin Twelve Trailing Months | 42.70% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 133,409,000 |
| Total Cash Past Year | 133,409,000 |
| Total Cash Prior Year | 153,193,000 |
| Net Cash Position Most Recent Quarter | -125,249,000 |
| Net Cash Position Past Year | -125,249,000 |
| Long Term Debt Past Year | 258,658,000 |
| Long Term Debt Prior Year | 181,863,000 |
| Total Debt Most Recent Quarter | 258,658,000 |
| Equity to Debt Ratio Past Year | 0.84 |
| Equity to Debt Ratio Most Recent Quarter | 0.84 |
| Total Stockholder Equity Past Year | 1,400,000,000 |
| Total Stockholder Equity Prior Year | 1,314,274,000 |
| Total Stockholder Equity Most Recent Quarter | 1,400,000,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 108,898,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.07 |
| Free Cash Flow Past Year | 113,917,000 |
| Free Cash Flow Prior Year | 128,725,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.13 |
| MACD Signal | -0.16 |
| 20-Day Bollinger Lower Band | 14.65 |
| 20-Day Bollinger Middle Band | 16.84 |
| 20-Day Bollinger Upper Band | 19.03 |
| Beta | 0.82 |
| RSI | 44.56 |
| 50-Day SMA | 15.81 |
| 150-Day SMA | 13.79 |
| 200-Day SMA | 13.65 |
System |
|
| Modified | 3/29/2025 12:09:34 AM EST |