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Price (delayed)
$18.74
Market cap
$1.91B
P/E Ratio
12.66
Dividend/share
$0.52
EPS
$1.48
Enterprise value
$2B
First Commonwealth Financial Corporation, headquartered in Indiana, Pennsylvania, is a financial services company with 119 community banking offices in 26 counties throughout western and central Pennsylvania and throughout Ohio, as
Highlights
FCF's equity is up by 14% year-on-year and by 3.5% since the previous quarter
The debt has declined by 8% year-on-year
The net income has declined by 4.5% since the previous quarter but it has increased by 2.4% year-on-year
The P/E is 29% higher than the last 4 quarters average of 9.8 and 19% higher than the 5-year quarterly average of 10.6
FCF's EPS is down by 4.5% since the previous quarter
Key stats
What are the main financial stats of FCF
Market
Valuations
Earnings
Shares outstanding
101.78M
Market cap
$1.91B
Enterprise value
$2B
Price to earnings (P/E)
12.66
Price to book (P/B)
1.36
Price to sales (P/S)
4.19
EV/EBIT
10.51
EV/EBITDA
10.25
EV/Sales
4.38
Revenue
$456.93M
EBIT
$190.31M
EBITDA
$195.21M
Free cash flow
$145.18M
Per share
Balance sheet
Liquidity
EPS
$1.48
Free cash flow per share
$1.42
Book value per share
$13.77
Revenue per share
$4.48
TBVPS
$113.64
Total assets
$11.98B
Total liabilities
$10.57B
Debt
$675.11M
Equity
$1.41B
Working capital
N/A
Debt to equity
0.48
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.48
Margins
Efficiency
Dividend
EBITDA margin
42.7%
Gross margin
100%
Net margin
33.2%
Operating margin
41.7%
Return on assets
1.3%
Return on equity
11.2%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
41.6%
Dividend yield
2.75%
DPS
$0.52
Payout ratio
34.8%
FCF stock price
How has the First Commonwealth Financial stock price performed over time
Intraday
0.92%
1 week
0.11%
1 month
11.95%
1 year
41.97%
YTD
21.37%
QTD
9.27%
Financial performance
How have First Commonwealth Financial's revenue and profit performed over time
Revenue
$456.93M
Gross profit
$456.93M
Operating income
$190.67M
Net income
$151.55M
Gross margin
100%
Net margin
33.2%
The net income has declined by 4.5% since the previous quarter but it has increased by 2.4% year-on-year
FCF's operating income is down by 4.4% since the previous quarter but it is up by 2.7% year-on-year
The net margin has declined by 3.2% since the previous quarter
First Commonwealth Financial's operating margin has decreased by 3.2% from the previous quarter
Growth
What is First Commonwealth Financial's growth rate over time
Valuation
What is First Commonwealth Financial stock price valuation
P/E
12.66
P/B
1.36
P/S
4.19
EV/EBIT
10.51
EV/EBITDA
10.25
EV/Sales
4.38
The P/E is 29% higher than the last 4 quarters average of 9.8 and 19% higher than the 5-year quarterly average of 10.6
FCF's EPS is down by 4.5% since the previous quarter
The stock's price to book (P/B) is 24% more than its 5-year quarterly average of 1.1 and 24% more than its last 4 quarters average of 1.1
FCF's equity is up by 14% year-on-year and by 3.5% since the previous quarter
The stock's price to sales (P/S) is 27% more than its 5-year quarterly average of 3.3 and 27% more than its last 4 quarters average of 3.3
Efficiency
How efficient is First Commonwealth Financial business performance
The ROE is down by 10% year-on-year and by 7% since the previous quarter
FCF's return on assets is down by 7% since the previous quarter and by 7% year-on-year
FCF's ROIC is down by 6% QoQ and by 6% YoY
FCF's return on sales is down by 3.3% since the previous quarter
Dividends
What is FCF's dividend history
DPS
$0.52
Dividend yield
2.75%
Payout ratio
34.8%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did First Commonwealth Financial financials performed over time
FCF's total assets is 13% more than its total liabilities
FCF's total assets is up by 4.9% YoY and by 3.1% from the previous quarter
First Commonwealth Financial's total liabilities has increased by 3.9% YoY and by 3% from the previous quarter
The debt is 52% smaller than the equity
The debt to equity is down by 19% YoY and by 2% from the previous quarter
FCF's equity is up by 14% year-on-year and by 3.5% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.