Price (delayed)
$16.94
Market cap
$1.73B
P/E Ratio
10.93
Dividend/share
$0.51
EPS
$1.55
Enterprise value
$2.22B
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 11% year-on-year and by 2.2% since the previous quarter
The debt has declined by 8% since the previous quarter and by 8% year-on-year
The net income has increased by 11% year-on-year but it has declined by 3.5% since the previous quarter
FCF's EPS is up by 6% year-on-year but it is down by 3.7% since the previous quarter
The P/E is 21% higher than the last 4 quarters average of 8.9
Key stats
What are the main financial stats of FCF
Market
Valuations
Earnings
Shares outstanding
102.36M
Market cap
$1.73B
Enterprise value
$2.22B
Price to earnings (P/E)
10.93
Price to book (P/B)
1.27
Price to sales (P/S)
3.73
EV/EBIT
11.15
EV/EBITDA
10.91
EV/Sales
4.79
Revenue
$463.03M
EBIT
$199.06M
EBITDA
$203.5M
Free cash flow
$109.55M
Per share
Balance sheet
Liquidity
EPS
$1.55
Free cash flow per share
$1.07
Book value per share
$13.32
Revenue per share
$4.54
TBVPS
$110.16
Total assets
$11.63B
Total liabilities
$10.26B
Debt
$674.19M
Equity
$1.36B
Working capital
N/A
Debt to equity
0.49
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.39
Margins
Efficiency
Dividend
EBITDA margin
44%
Gross margin
100%
Net margin
34.3%
Operating margin
43.1%
Return on assets
1.4%
Return on equity
12.1%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
43%
Dividend yield
3.01%
DPS
$0.51
Payout ratio
32.9%
FCF stock price
How has the First Commonwealth Financial stock price performed over time
Intraday
1.32%
1 week
2.73%
1 month
3.86%
1 year
34.87%
YTD
9.72%
QTD
22.66%
Financial performance
How have First Commonwealth Financial's revenue and profit performed over time
Revenue
$463.03M
Gross profit
$463.03M
Operating income
$199.43M
Net income
$158.7M
Gross margin
100%
Net margin
34.3%
The net income has increased by 11% year-on-year but it has declined by 3.5% since the previous quarter
FCF's operating income is up by 11% year-on-year but it is down by 3.2% since the previous quarter
The gross profit has grown by 7% year-on-year
The company's revenue rose by 7% YoY
Growth
What is First Commonwealth Financial's growth rate over time
Valuation
What is First Commonwealth Financial stock price valuation
P/E
10.93
P/B
1.27
P/S
3.73
EV/EBIT
11.15
EV/EBITDA
10.91
EV/Sales
4.79
The P/E is 21% higher than the last 4 quarters average of 8.9
FCF's EPS is up by 6% year-on-year but it is down by 3.7% since the previous quarter
The stock's price to book (P/B) is 15% more than its 5-year quarterly average of 1.1 and 15% more than its last 4 quarters average of 1.1
FCF's equity is up by 11% year-on-year and by 2.2% since the previous quarter
The stock's price to sales (P/S) is 23% more than its last 4 quarters average of 3.0 and 12% more than its 5-year quarterly average of 3.3
The company's revenue rose by 7% YoY
Efficiency
How efficient is First Commonwealth Financial business performance
FCF's ROIC is down by 6% QoQ
The ROE is down by 5% since the previous quarter and by 4% year-on-year
FCF's return on sales is up by 4.4% year-on-year
Dividends
What is FCF's dividend history
DPS
$0.51
Dividend yield
3.01%
Payout ratio
32.9%
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 2.7% YoY
The debt is 51% smaller than the equity
The debt to equity is down by 17% YoY and by 11% from the previous quarter
FCF's equity is up by 11% year-on-year and by 2.2% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.