First Commonwealth Financial Corporation (FCF)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 363 | 385 | 411 | 482 | 478 | 523 | 425 | - |
| Operating profit | $m | 198 | 117 | ||||||
| Net profit | $m | 73 | 138 | 128 | 157 | 143 | 152 | 168 | 179 |
| EPS reported | $ | 1.47 | 1.63 | ||||||
| Operating cashflow per share | $ | 1.82 | 1.88 | ||||||
| Capex per share | $ | 0.16 | 0.12 | ||||||
| FCF per share | $ | 1.67 | 1.76 | ||||||
| Free cash flow | $m | 171 | 179 | ||||||
| Net debt | $m | 308 | -1,514 | ||||||
| Book value equity | $m | 1,554 | 1,569 | ||||||
| Book value per share | $ | 15.00 | 15.39 | ||||||
| Number of shares | m | 103.64 | 101.97 | ||||||
| DPS (TTM paid) | $ | 0.54 | 0.55 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.47 | 12.83 | ||||||
| P/B LTM | x | 1.12 | 1.10 | ||||||
| P/S LTM | x | 3.32 | 4.08 | ||||||
| P/FCF LTM | x | 10.12 | 9.68 | ||||||
| EV/EBITDA LTM | x | 10.18 | 17.32 | ||||||
| EV/Sales LTM | x | 2.86 | 3.78 | ||||||
| Earnings Yield LTM | % | +8.72% | +7.79% | ||||||
| FCF Yield | % | +9.88% | +10.33% | ||||||
| Quality | |||||||||
| ROE | % | +9.80% | +10.83% | ||||||
| ROIC | % | +1.28% | +4.79% | ||||||
| Operating margin | % | +27.19% | +18.78% | ||||||
| Gross margin | % | +67.60% | +62.80% | ||||||
| FCF/Sales | % | +23.49% | +28.77% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +5.76% | +17.27% | ||||||
| Sales Growth YoY | % | +9.35% | -11.10% | ||||||
| Net Income Growth YoY | % | +6.82% | +18.07% | ||||||
| FCF Growth | % | +50.43% | +57.19% | ||||||
| Operating Profit Growth | % | +11.31% | -34.41% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.20% | +2.54% | ||||||
| Dividend Growth | % | +3.88% | +6.80% | ||||||
| Payout Ratio | % | +36.42% | +33.40% | ||||||
| FCF/Debt | x | 0.38 | 0.68 | ||||||
| Net Debt/EBITDA | x | 1.71 | 1.27 | ||||||
| EBIT/Net interest | x | 0.96 | 0.59 | ||||||
| Net debt/market cap | % | +23.72% | +11.81% | ||||||
| Net debt/Equity | x | 0.20 | -0.96 | ||||||
| Gross debt/equity | x | 0.29 | 0.17 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company’s consumer services include internet, mobile, and telephone banking; an automated teller machine network; 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, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Commonwealth Financial Corporation (FCF)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company’s consumer services include internet, mobile, and telephone banking; an automated teller machine network; 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, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.
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