YOLFTbeta
First Commonwealth Financial

First Commonwealth Financial

FCF · NYSE · Financial Services / Banks - Regional

20.93USD+0.01 (+0.05%)

Price History

Full chart

Market Stats

Previous Close20.92
Open20.97
Day Range20.81 – 21.16
52-Week Range14.56 – 22.19
Volume471.00K
Market Cap2.11B
P/E (TTM)12.75
Forward P/E10.57
EPS1.64
Dividend Yield2.67%
Beta0.73
50-Day Avg21.19
200-Day Avg19.00

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Thomas Michael Price
  • Employees1.59K
  • Headquarters601 Philadelphia Street, Indiana, PA, United States, 15701, USA
  • Websitehttps://www.fcbanking.com

Leadership

  • Mr. Thomas Michael PricePresident, CEO & Director · b. 1963
  • Mr. James R. Reske CFAExecutive VP, CFO & Treasurer · b. 1964
  • Mr. Michael P. McCuenChief Banking Officer, EVP & Chief Lending Officer · b. 1963

Financials

Income Statement

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue140.80M143.80M175.80M186.10M254.20M280.30M311.50M330.32M345.56M350.00M313.66M292.22M325.67M362.29M377.32M379.96M383.44M348.79M317.59M289.21M284.51M266.52M263.04M265.40M282.21M330.88M380.89M410.75M395.69M400.60M428.66M626.61M699.69M729.44M
Growth (%)-+2.13%+22.25%+5.86%+36.59%+10.27%+11.13%+6.04%+4.61%+1.28%-10.38%-6.84%+11.45%+11.24%+4.15%+0.70%+0.91%-9.04%-8.94%-8.94%-1.63%-6.32%-1.31%+0.90%+6.34%+17.25%+15.12%+7.84%-3.67%+1.24%+7.01%+46.18%+11.66%+4.25%
Cost of Revenue65.30M60.20M72.00M86.50M115.50M134.70M163.30M162.20M184.57M178.66M134.90M113.01M118.76M147.25M177.65M179.75M162.09M187.34M123.15M97.49M50.69M40.93M29.70M30.54M37.06M26.86M52.57M69.94M89.66M13.92M38.84M159.13M250.74M236.32M
Gross Profit75.50M83.60M103.80M99.60M138.70M145.60M148.20M168.13M161.00M171.33M178.77M179.21M206.91M215.05M199.67M200.21M221.34M161.45M194.44M191.72M233.82M225.59M233.34M234.85M245.83M304.02M328.33M340.81M306.03M386.67M389.82M467.47M448.95M493.12M
Gross Margin53.62%58.14%59.04%53.52%54.56%51.94%47.58%50.90%46.59%48.95%56.99%61.33%63.53%59.36%52.92%52.69%57.73%46.29%61.22%66.29%82.18%84.64%88.71%88.49%87.11%91.88%86.20%82.97%77.34%96.52%90.94%74.60%64.16%67.60%
Operating Expense47.80M51.20M60.90M62.10M85.30M88.80M102.00M95.53M99.46M105.89M126.33M112.66M164.56M143.95M137.68M148.01M171.63M207.34M171.23M176.83M177.21M168.82M171.21M163.87M160.60M200.30M195.56M209.97M215.83M213.86M229.64M269.92M270.75M294.76M
Operating Income27.70M32.40M42.90M37.50M53.40M56.80M46.20M72.60M61.53M65.44M52.44M66.55M42.36M71.09M61.98M52.20M49.72M-45.88M23.22M14.89M56.61M56.76M62.13M70.98M85.23M103.73M132.77M130.85M90.20M172.82M160.19M197.56M178.21M198.36M
Operating Margin19.67%22.53%24.40%20.15%21.01%20.26%14.83%21.98%17.81%18.70%16.72%22.77%13.01%19.62%16.43%13.74%12.97%-13.16%7.31%5.15%19.90%21.30%23.62%26.74%30.20%31.35%34.86%31.86%22.80%43.14%37.37%31.53%25.47%27.19%
EBITDA31.20M37.10M48.00M42.60M59.80M63.80M54.10M80.30M69.02M73.20M59.80M74.05M51.85M82.39M70.57M57.40M60.12M-36.08M33.92M23.92M64.52M68.23M75.96M78.78M92.34M112.72M140.82M141.22M101.86M184.26M170.74M201.66M184.01M204.68M
EBITDA Margin22.16%25.80%27.30%22.89%23.52%22.76%17.37%24.31%19.97%20.92%19.06%25.34%15.92%22.74%18.70%15.11%15.68%-10.34%10.68%8.27%22.68%25.60%28.88%29.69%32.72%34.07%36.97%34.38%25.74%46.00%39.83%32.18%26.30%28.06%
Net Income20.60M23.20M28.70M25.50M37.20M39.50M33.40M53.00M47.25M50.19M43.53M53.30M38.65M57.84M52.95M46.25M43.09M-20.06M22.98M15.27M41.95M41.48M44.45M50.14M59.59M55.16M107.50M105.33M73.45M138.26M128.18M157.06M142.57M152.30M
Net Income Margin14.63%16.13%16.33%13.70%14.63%14.09%10.72%16.04%13.67%14.34%13.88%18.24%11.87%15.96%14.03%12.17%11.24%-5.75%7.24%5.28%14.75%15.56%16.90%18.89%21.12%16.67%28.22%25.64%18.56%34.51%29.90%25.07%20.38%20.88%
R&D-------------------00000000-------
R&D as % of Total Revenue-------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense62.10M58.00M69.10M82.40M109.20M124.50M148.30M152.70M174.54M167.17M122.67M100.24M110.69M138.62M166.11M169.71M139.00M86.77M61.60M41.68M30.15M21.71M18.50M15.60M18.58M21.77M40.03M55.40M32.94M15.30M17.73M144.32M221.57M206.60M
Interest Expense % of Total Revenue44.11%40.33%39.31%44.28%42.96%44.42%47.61%46.23%50.51%47.76%39.11%34.30%33.99%38.26%44.02%44.67%36.25%24.88%19.40%14.41%10.60%8.14%7.03%5.88%6.58%6.58%10.51%13.49%8.32%3.82%4.14%23.03%31.67%28.32%

Balance Sheet

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.79B1.96B2.33B2.36B2.58B3.67B4.10B4.34B4.37B4.58B4.52B5.19B6.20B6.03B6.04B5.88B6.43B6.45B5.81B5.84B6.00B6.21B6.36B6.57B6.68B7.31B7.83B8.31B9.07B9.55B9.81B11.46B11.58B12.37B
Total Liabilities1.62B1.77B2.11B2.11B2.32B3.31B3.74B4.05B4.04B4.21B4.12B4.76B5.67B5.51B5.47B5.31B5.77B5.81B5.06B5.08B5.25B5.50B5.64B5.85B5.93B6.42B6.85B7.25B8.00B8.44B8.75B10.15B10.18B10.81B
Total Equity170.40M186.50M225.10M252.30M261.40M354.30M355.40M286.70M334.16M370.07M401.39M430.95M531.98M521.04M571.36M568.79M652.78M638.81M749.78M758.54M746.01M711.70M716.14M719.55M749.93M888.13M975.39M1.06B1.07B1.11B1.05B1.31B1.41B1.55B
Cash112.10M53.60M79.80M75.50M73.60M117.40M99.50M93.90M91.15M102.38M83.09M87.87M81.99M85.03M96.12M102.51M88.57M89.56M69.86M78.48M102.98M77.44M74.54M69.45M115.68M107.29M98.95M121.86M356.58M395.37M154.24M146.99M133.41M103.28M
Total Debt60.80M178.90M209.30M126.10M191.20M396.50M771.40M1.06B929.03M1.09B1.05B1.43B1.79B1.47B1.09B902.15M1.43B1.23B392.36M520.19M636.45M843.17M1.27B1.59B948.86M795.38M906.88M436.04M350.63M320.58M553.92M784.59M343.12M452.33M
Net Debt-51.30M125.30M129.50M50.60M117.60M279.10M671.90M969.30M837.88M989.58M965.91M1.34B1.70B1.38B997.32M799.64M1.34B1.14B322.50M441.71M533.47M765.73M1.19B1.52B833.18M688.09M807.93M314.18M-5.95M-74.79M399.67M637.60M209.72M349.06M

Cash Flow

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow24.10M25.10M27.80M37.00M46.20M48.50M52.90M52.70M66.13M46.32M57.54M57.27M39.22M76.70M64.76M69.75M68.78M57.23M110.87M84.12M78.72M85.73M82.14M72.75M89.27M88.31M135.26M107.63M105.70M165.05M151.41M150.76M129.46M187.45M
Investing Cash Flow-48.40M-208.60M-90.90M-19.10M-240.90M-348.40M-458.60M-286.20M-14.11M-212.27M47.33M-287.43M-129.31M126.47M307.63M156.52M-610.65M-90.94M542.63M-79.96M-171.38M-307.28M-164.06M-142.43M493.77M-52.80M-347.75M122.94M-483.14M-565.30M-588.79M-574.27M-121.72M-388.14M
Financing Cash Flow65.50M140.60M71.80M-16.80M214.70M287.60M391.00M237.20M-51.55M162.23M-121.89M223.69M87.17M-197.04M-363.38M-220.61M529.36M34.70M-673.20M4.46M117.16M196.00M79.02M64.60M-536.82M-43.89M204.14M-207.66M612.16M439.05M196.25M416.26M-21.32M247.64M
Capital Expenditure3.70M3.40M5.60M4.10M7.80M6.10M7.70M7.60M7.74M7.89M6.38M5.23M12.04M14.37M13.29M9.81M12.09M6.66M4.89M8.32M10.18M9.63M10.98M4.89M7.49M11.59M9.60M17.38M7.62M10.64M11.21M22.03M15.55M16.09M
Free Cash Flow20.40M21.70M22.20M32.90M38.40M42.40M45.20M45.10M58.40M38.44M51.16M52.05M27.18M62.33M51.47M59.94M56.69M50.58M105.98M75.80M68.54M76.10M71.16M67.86M82.21M76.71M125.66M90.25M98.08M154.41M140.21M128.72M113.92M171.36M
Dividends Paid7.30M8.90M12.20M14.30M19.90M21.70M25.70M27.80M32.55M33.81M35.21M36.63M41.74M46.19M48.51M49.55M49.38M29.68M5.31M12.56M18.76M22.34M26.17M25.09M24.91M30.51M34.85M39.39M42.98M43.61M44.58M50.81M52.60M55.49M
FCF to OCF84.65%86.45%79.86%88.92%83.12%87.42%85.44%85.58%88.30%82.98%88.91%90.87%69.30%81.26%79.48%85.93%82.42%88.37%95.59%90.11%87.07%88.76%86.63%93.28%92.09%86.87%92.90%83.85%92.80%93.55%92.60%85.38%87.99%91.42%
Dividend Paid to FCF35.78%41.01%54.95%43.47%51.82%51.18%56.86%61.64%55.74%87.96%68.82%70.38%153.54%74.11%94.25%82.68%87.10%58.67%5.01%16.57%27.37%29.36%36.78%36.97%30.30%39.78%27.73%43.65%43.82%28.24%31.79%39.47%46.18%32.38%

Earnings

Report DateJul 18, 1996Oct 18, 1996Jan 17, 1997Apr 29, 1997Jul 23, 1997Oct 20, 1997Jan 22, 1998Apr 17, 1998Jul 17, 1998Sep 30, 1998Mar 12, 1999Apr 16, 1999Jul 15, 1999Oct 15, 1999Dec 31, 1999Jun 21, 2000Jul 13, 2000Oct 13, 2000Jan 22, 2001Apr 18, 2001Jul 19, 2001Oct 18, 2001Jan 22, 2002Apr 18, 2002Jul 18, 2002Oct 17, 2002Jan 23, 2003Apr 17, 2003Jul 17, 2003Oct 23, 2003Jan 22, 2004Apr 15, 2004Jul 22, 2004Oct 21, 2004Jan 20, 2005Apr 21, 2005Jul 21, 2005Oct 20, 2005Jan 25, 2006Apr 20, 2006Jul 21, 2006Oct 19, 2006Jan 24, 2007Apr 19, 2007Jul 19, 2007Oct 18, 2007Jan 23, 2008Apr 17, 2008Jul 17, 2008Oct 23, 2008Jan 26, 2009Apr 23, 2009Jul 27, 2009Oct 22, 2009Jan 28, 2010Apr 21, 2010Jul 29, 2010Oct 28, 2010Jan 27, 2011Apr 20, 2011Jul 27, 2011Oct 27, 2011Jan 25, 2012Apr 24, 2012Jul 25, 2012Oct 24, 2012Jan 30, 2013Apr 23, 2013Jul 24, 2013Oct 23, 2013Jan 29, 2014Apr 22, 2014Jul 23, 2014Oct 29, 2014Jan 28, 2015Apr 28, 2015Jul 29, 2015Oct 28, 2015Jan 27, 2016Apr 26, 2016Jul 27, 2016Oct 26, 2016Jan 25, 2017Apr 25, 2017Jul 26, 2017Oct 25, 2017Jan 23, 2018Apr 24, 2018Jul 24, 2018Oct 23, 2018Jan 29, 2019Apr 23, 2019Jul 23, 2019Oct 29, 2019Jan 28, 2020Apr 28, 2020Jul 28, 2020Oct 27, 2020Jan 26, 2021Apr 27, 2021Jul 27, 2021Oct 26, 2021Jan 25, 2022Apr 26, 2022Jul 26, 2022Oct 25, 2022Jan 24, 2023Apr 25, 2023Jul 25, 2023Oct 24, 2023Jan 30, 2024Apr 23, 2024Jul 23, 2024Oct 29, 2024Jan 28, 2025Apr 29, 2025Jul 29, 2025Oct 28, 2025Jan 27, 2026Apr 28, 2026Jul 28, 2026Oct 27, 2026
EPS Estimate0.160.160.160.160.160.170.170.170.18-0.170.190.200.21-0.200.220.220.210.200.210.210.220.220.230.230.230.220.210.200.200.210.200.120.240.240.220.210.210.200.190.190.190.170.150.150.150.150.160.180.160.150.090.07-0.040.060.090.110.080.090.080.090.090.100.120.110.110.120.110.130.140.140.140.150.140.150.160.160.150.160.170.180.170.190.200.170.230.260.280.270.260.270.280.280.190.090.240.230.290.340.320.320.290.330.380.430.390.410.400.390.360.350.360.350.320.350.410.420.400.420.46
EPS Actual0.160.170.180.180.170.200.160.180.190.210.020.200.200.230.210.190.230.200.190.210.210.220.230.220.220.230.220.230.230.230.210.220.180.230.240.220.210.220.200.190.170.200.180.170.160.170.160.150.180.210.110.02-0.150.040.04-0.150.150.110.110.070.070.08-0.050.110.120.090.090.110.060.160.100.130.130.130.130.160.150.140.110.140.140.190.220.180.210.220.210.240.290.250.270.250.280.300.270.050.240.240.270.410.310.360.370.290.330.370.390.450.420.390.440.370.360.310.350.320.380.390.430.370.44-
Surprise0.00%6.25%12.50%12.50%6.25%17.65%-5.88%5.88%5.56%--88.24%5.26%0.00%9.52%--5.00%4.55%-9.09%-9.52%5.00%0.00%4.76%4.55%0.00%-4.35%0.00%-4.35%4.55%9.52%15.00%5.00%4.76%-10.00%91.67%0.00%-8.33%-4.55%4.76%-4.76%-5.00%-10.53%5.26%-5.26%0.00%6.67%13.33%6.67%0.00%12.50%16.67%-31.25%-86.67%-266.67%-42.86%--475.00%150.00%22.22%0.00%-12.50%-22.22%0.00%-155.56%22.22%20.00%-25.00%-18.18%0.00%-50.00%45.45%-23.08%-7.14%-7.14%-7.14%-13.33%14.29%0.00%-12.50%-31.25%-6.67%-12.50%11.76%22.22%5.88%10.53%10.00%23.53%4.35%11.54%-10.71%0.00%-3.85%3.70%7.14%-3.57%-73.68%166.67%0.00%17.39%41.38%-8.82%12.50%15.63%0.00%0.00%-2.63%-9.30%15.38%2.44%-2.50%12.82%2.78%2.86%-13.89%0.00%0.00%8.57%-4.88%2.38%-7.50%4.76%-
Timing--Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market--------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap2.11B
Enterprise Value2.23B
Trailing P/E12.75
Forward P/E10.57
PEG Ratio1.46
Price / Sales4.17
Price / Book1.33
EPS1.64
Book Value15.58
Revenue (TTM)507.07M
Gross Profit (TTM)507.07M
Profit Margin33.20%
Operating Margin45.36%
Return on Equity10.91%
Return on Assets1.38%
Shares Outstanding101.06M
Shares Float98.35M
Beta0.73
Dividend Yield2.67%
Dividend Rate0.56
Payout Ratio33.74%

Analyst Ratings

Buy
Based on 6 analystsTarget 24.08
  • Strong Buy
    2
  • Buy
    1
  • Hold
    3

Ownership Breakdown

Institutions
80.45%
Insiders
1.62%
Retail / Other
17.93%

Top Institutional Holders

  • BlackRock Inc
    14.73M14.57%
  • Dimensional Fund Advisors, Inc.
    6.43M6.37%
  • Vanguard Portfolio Management, LLC
    6.23M6.16%
  • State Street Corp
    4.92M4.87%
  • Vanguard Capital Management, LLC
    4.41M4.37%
  • Franklin Templeton Inc
    4.25M4.20%
  • Fuller & Thaler Asset Management Inc
    2.72M2.69%
  • Geode Capital Management, LLC
    2.51M2.48%
  • Mariner Wealth Advisors LLC
    2.05M2.03%
  • American Century Companies Inc
    1.70M1.68%
  • Two Sigma Investments LLC
    1.48M1.46%
  • Charles Schwab Investment Management Inc
    1.34M1.32%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    6.17M6.11%
  • Vanguard MStar Total Stk Mkt Idx Invest
    3.07M3.04%
  • iShares Russell 2000 ETF
    2.60M2.57%
  • Franklin Small Cap Value A
    2.31M2.28%
  • Vanguard Small Cap Index
    2.22M2.20%
  • FullerThaler Behavioral Sm-Cp Eq R6
    2.07M2.05%
  • Vanguard MStar Small Cap Value Index
    1.41M1.40%
  • Avantis US Small Cap Value ETF
    1.36M1.34%

Dividends

20264×
0.14Nov 6, 20260.14Aug 7, 20260.14May 8, 20260.14Feb 6, 2026
20254×
0.14Nov 7, 20250.14Aug 8, 20250.14May 9, 20250.13Feb 7, 2025
20244×
0.13Nov 8, 20240.13Aug 2, 20240.13May 2, 20240.13Feb 8, 2024
20234×
0.13Nov 2, 20230.13Aug 3, 20230.13May 4, 20230.12Feb 2, 2023
20224×
0.12Nov 3, 20220.12Aug 4, 20220.12May 5, 20220.12Feb 3, 2022
20214×
0.12Nov 4, 20210.12Aug 5, 20210.12May 6, 20210.11Feb 4, 2021

Stock Splits

  • Nov 19, 19992:1
  • Feb 11, 19942:1