FCF First Commonwealth Financial Corp

Price (delayed)

$14.06

Market cap

$1.31B

P/E Ratio

10.41

Dividend/share

$0.48

EPS

$1.35

Enterprise value

$1.41B

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
The P/E is 19% lower than the 5-year quarterly average of 12.8
The company's revenue rose by 3.1% YoY
The debt has declined by 7% year-on-year but it has increased by 3.2% since the previous quarter
FCF's equity is down by 8% year-on-year and by 2.5% since the previous quarter

Key stats

What are the main financial stats of FCF
Market
Shares outstanding
93.38M
Market cap
$1.31B
Enterprise value
$1.41B
Valuations
Price to earnings (P/E)
10.41
Price to book (P/B)
1.28
Price to sales (P/S)
3.4
EV/EBIT
8.88
EV/EBITDA
8.33
EV/Sales
3.66
Earnings
Revenue
$385.66M
EBIT
$158.93M
EBITDA
$169.38M
Free cash flow
$141.68M
Per share
EPS
$1.35
Free cash flow per share
$1.52
Book value per share
$10.95
Revenue per share
$4.14
TBVPS
$99.42
Balance sheet
Total assets
$9.58B
Total liabilities
$8.56B
Debt
$279.42M
Equity
$1.02B
Working capital
N/A
Liquidity
Debt to equity
0.27
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.58
Margins
EBITDA margin
43.9%
Gross margin
100%
Net margin
33%
Operating margin
41.2%
Efficiency
Return on assets
1.3%
Return on equity
12%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
41.2%
Dividend
Dividend yield
3.38%
DPS
$0.48
Payout ratio
35.2%

FCF stock price

How has the First Commonwealth Financial stock price performed over time
Intraday
-0.14%
1 week
0%
1 month
0.64%
1 year
-15.1%
YTD
0.64%
QTD
0.64%

Financial performance

How have First Commonwealth Financial's revenue and profit performed over time
Revenue
$385.66M
Gross profit
$385.66M
Operating income
$158.93M
Net income
$127.22M
Gross margin
100%
Net margin
33%
First Commonwealth Financial's operating margin has decreased by 4.4% YoY
The net margin has declined by 4.3% year-on-year
The company's revenue rose by 3.1% YoY
The gross profit has grown by 3.1% year-on-year

Growth

What is First Commonwealth Financial's growth rate over time

Valuation

What is First Commonwealth Financial stock price valuation
P/E
10.41
P/B
1.28
P/S
3.4
EV/EBIT
8.88
EV/EBITDA
8.33
EV/Sales
3.66
The P/E is 19% lower than the 5-year quarterly average of 12.8
FCF's equity is down by 8% year-on-year and by 2.5% since the previous quarter
The stock's price to book (P/B) is 8% more than its 5-year quarterly average of 1.2
The stock's price to sales (P/S) is 8% less than its 5-year quarterly average of 3.7 and 2.9% less than its last 4 quarters average of 3.5
The company's revenue rose by 3.1% YoY

Efficiency

How efficient is First Commonwealth Financial business performance
FCF's return on assets is down by 7% year-on-year
FCF's ROIC is down by 6% YoY
FCF's return on sales is down by 4.4% year-on-year
The ROE is up by 2.6% since the previous quarter

Dividends

What is FCF's dividend history
DPS
$0.48
Dividend yield
3.38%
Payout ratio
35.2%
Recent dividends

Financial health

How did First Commonwealth Financial financials performed over time
FCF's total assets is 12% more than its total liabilities
First Commonwealth Financial's total liabilities has increased by 2.3% YoY
The debt is 73% smaller than the equity
FCF's equity is down by 8% year-on-year and by 2.5% since the previous quarter
The debt has declined by 7% year-on-year but it has increased by 3.2% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.