FCF - First Commonwealth Financial Corp Stock Price, Fair Value and News

12.79USD+0.17 (+1.35%)Market Closed

Market Summary

USD12.79+0.17

Market Closed

1.35%

FCF Stock Price

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FCF RSI Chart

FCF Valuation

Market Cap

1.3B

Price/Earnings (Trailing)

8.33

Price/Sales (Trailing)

2.47

EV/EBITDA

2.29

Price/Free Cashflow

10.16

FCF Price/Sales (Trailing)

FCF Profitability

EBT Margin

37.27%

Return on Equity

11.95%

Return on Assets

1.37%

Free Cashflow Yield

9.84%

FCF Fundamentals

FCF Revenue

Revenue (TTM)

530.0M

Rev. Growth (Yr)

49.83%

Rev. Growth (Qtr)

3.13%

FCF Earnings

Earnings (TTM)

157.1M

Earnings Growth (Yr)

25.45%

Earnings Growth (Qtr)

14.26%

Breaking Down FCF Revenue

Last 7 days

0.2%

Last 30 days

-1.7%

Last 90 days

-11.8%

Trailing 12 Months

6.9%

How does FCF drawdown profile look like?

FCF Financial Health

Debt/Equity

0.14

Debt/Cashflow

0.81

FCF Investor Care

Dividend Yield

3.87%

Dividend/Share (TTM)

0.5

Buy Backs (1Y)

0.80%

Diluted EPS (TTM)

1.54

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	373.3M	427.8M	482.0M	530.0M
2022	291.0M	295.7M	307.2M	330.0M
2021	295.9M	293.0M	293.6M	293.8M
2020	325.0M	317.9M	308.9M	301.2M
2019	305.4M	314.5M	322.2M	325.3M
2018	260.9M	270.7M	280.2M	292.3M
2017	220.4M	229.7M	240.6M	250.6M
2016	206.3M	210.0M	214.0M	217.6M
2015	202.8M	202.7M	202.2M	204.1M
2014	205.1M	204.3M	203.1M	202.2M
2013	214.2M	210.5M	208.9M	206.4M
2012	228.7M	225.4M	221.7M	219.1M
2011	257.8M	246.8M	238.4M	231.5M
2010	0	285.0M	276.7M	268.4M
2009	0	0	0	293.3M

Get all data in R, Python etc through our Historical Stock Data APIs

GRUFITY'S FAIR VALUE MODEL

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

Try For Just $1.99

Tracking the Latest Insider Buys and Sells of First Commonwealth Financial Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 27, 2024	tomb matthew c	sold (taxes)	-	-	-9,045	evp/chief risk officer
Feb 27, 2024	grebenc jane	sold (taxes)	-	-	-14,112	evp/chief revenue officer
Feb 27, 2024	montgomery norman j	sold (taxes)	-	-	-9,316	evp/business integration
Feb 27, 2024	riggle carrie l	acquired	-	-	10,650	evp/human resources
Feb 27, 2024	reske james r	sold (taxes)	-	-	-11,345	evp/chief financial officer
Feb 27, 2024	price t michael	sold (taxes)	-	-	-17,012	president & ceo
Feb 27, 2024	riggle carrie l	sold (taxes)	-	-	-4,206	evp/human resources
Feb 27, 2024	lombardi leonard v	sold (taxes)	-	-	-3,988	evp/chief audit executive
Feb 27, 2024	reske james r	acquired	-	-	20,100	evp/chief financial officer
Feb 27, 2024	lombardi leonard v	acquired	-	-	8,400	evp/chief audit executive

Which funds bought or sold FCF recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 17, 2024	Hennion & Walsh Asset Management, Inc.	reduced	-0.89	-27,665	232,283	0.01%
Apr 16, 2024	Moisand Fitzgerald Tamayo, LLC	unchanged	-	-7,132	65,313	0.01%
Apr 15, 2024	WEALTH ENHANCEMENT ADVISORY SERVICES, LLC	added	1.27	-26,587	279,110	-%
Apr 12, 2024	AdvisorNet Financial, Inc	added	525	859	1,044	-%
Apr 10, 2024	Buckingham Capital Management, Inc.	new	-	407,480	407,480	0.05%
Apr 10, 2024	Bruce G. Allen Investments, LLC	new	-	223	223	-%
Apr 09, 2024	MASSMUTUAL TRUST CO FSB/ADV	unchanged	-	-2,119	19,404	-%
Apr 09, 2024	Rise Advisors, LLC	new	-	18,987	18,987	0.01%
Apr 05, 2024	CWM, LLC	reduced	-18.1	-2,000	5,000	-%
Apr 05, 2024	GAMMA Investing LLC	added	97.6	4,508	9,187	-%

Are Funds Buying or Selling FCF?

Are funds buying FCF calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own FCF

No. of Funds

Unveiling First Commonwealth Financial Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	11.49%	11,735,598	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	6.4%	6,569,502	SC 13G/A
Jan 23, 2024	blackrock inc.	14.6%	14,945,417	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	6.9%	6,469,096	SC 13G/A
Feb 09, 2023	vanguard group inc	11.32%	10,574,553	SC 13G/A
Jan 26, 2023	blackrock inc.	14.8%	13,775,634	SC 13G/A
Jan 20, 2023	blackrock inc.	14.8%	13,775,634	SC 13G/A
Feb 10, 2022	vanguard group inc	11.18%	10,611,911	SC 13G/A
Feb 08, 2022	dimensional fund advisors lp	6.5%	6,198,269	SC 13G/A
Jan 27, 2022	blackrock inc.	14.6%	13,813,743	SC 13G/A

Recent SEC filings of First Commonwealth Financial Corp

View All Filings

Date Filed	Form Type	Document
Mar 28, 2024	8-K	Current Report
Mar 28, 2024	DEFA14A	DEFA14A
Mar 27, 2024	8-K	Current Report
Mar 26, 2024	DEFA14A	DEFA14A
Mar 14, 2024	ARS	ARS
Mar 14, 2024	DEF 14A	DEF 14A
Mar 14, 2024	DEFA14A	DEFA14A
Feb 29, 2024	10-K	Annual Report
Feb 27, 2024	4	Insider Trading
Feb 27, 2024	4	Insider Trading

Peers (Alternatives to First Commonwealth Financial Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	522.1B	171.1B	-6.46%	28.36%	10.54	3.05	60.72%	31.52%
BAC	281.5B	130.3B	-0.75%	18.96%	10.62	2.16	79.51%	-3.68%
WFC	210.3B	85.7B	3.10%	39.16%	10.99	2.45	41.49%	39.96%
C	111.5B	133.3B	-0.93%	15.69%	12.08	0.84	79.09%	-
CFG	15.1B	10.2B	-1.88%	7.84%	9.38	1.48	44.53%	-22.43%
KEY	13.4B	7.9B	-0.76%	16.16%	13.89	1.69	46.47%	-49.56%
MID-CAP
CMA	6.7B	4.2B	1.60%	7.60%	7.62	1.61	56.25%	-23.46%
ZION	5.8B	3.9B	-1.36%	19.93%	8.55	1.47	45.91%	-25.03%
ABCB	3.1B	1.3B	-2.95%	27.92%	11.48	2.41	43.24%	-22.35%
ASB	3.0B	2.0B	-1.33%	8.51%	16.53	1.54	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	393.0M	164.9M	-4.83%	27.38%	33.6	2.38	42.66%	-70.76%
AROW	361.7M	162.6M	-7.65%	-5.53%	12.03	2.22	25.39%	-38.37%
ACNB	269.1M	96.6M	-9.91%	0.13%	8.49	2.78	11.02%	-11.37%
ASRV	44.8M	60.9M	9.21%	-17.67%	-13.38	0.74	24.06%	-144.92%

First Commonwealth Financial Corp News

Latest updates

First Commonwealth Financial Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	3.1%	144	140	131	115	96.00	86.00	77.00	71.00	74.00	74.00	72.00	74.00	73.00	74.00	75.00	79.00	81.00	83.00	82.00	80.00	78.00
EBITDA Margin	-6.2%	1.11*	1.18*	1.28*	1.37*	1.46*	1.51*	1.53*	1.53*	1.58*	1.53*	1.45*	1.40*	-	-	-	-	-	-	-	-	-
Interest Expenses	-2.1%	96.00	98.00	98.00	94.00	88.00	82.00	74.00	68.00	70.00	71.00	68.00	69.00	67.00	66.00	67.00	68.00	69.00	68.00	67.00	65.00	65.00
Income Taxes	18.3%	12.00	10.00	11.00	8.00	9.00	8.00	8.00	7.00	9.00	8.00	8.00	10.00	6.00	4.00	5.00	1.00	7.00	6.00	7.00	6.00	7.00
Earnings Before Taxes	15.1%	57.00	49.00	54.00	38.00	45.00	42.00	38.00	34.00	44.00	43.00	37.00	49.00	32.00	24.00	29.00	6.00	33.00	33.00	34.00	31.00	34.00
EBT Margin	-3.3%	0.37*	0.39*	0.42*	0.44*	0.49*	0.52*	0.54*	0.54*	0.59*	0.55*	0.49*	0.45*	-	-	-	-	-	-	-	-	-
Net Income	14.3%	45.00	39.00	43.00	30.00	36.00	34.00	31.00	28.00	35.00	34.00	30.00	40.00	26.00	19.00	24.00	5.00	27.00	27.00	27.00	25.00	27.00
Net Income Margin	-3.5%	0.30*	0.31*	0.33*	0.35*	0.39*	0.41*	0.43*	0.43*	0.47*	0.44*	0.39*	0.37*	-	-	-	-	-	-	-	-	-
Free Cashflow	127.2%	42.00	19.00	46.00	37.00	41.00	46.00	27.00	29.00	44.00	44.00	20.00	49.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	0.3%	11,459	11,422	11,319	11,114	9,806	9,579	9,526	9,642	9,545	9,478	9,402	9,417	9,068	9,289	9,365	8,515	8,309	8,152	8,071	7,973	7,828
Cash Equivalents	-56.4%	147	337	449	396	154	181	300	525	395	335	284	505	357	380	458	134	122	129	96.00	124	99.00
Net PPE	-1.7%	121	123	124	130	115	120	122	121	121	118	118	122	126	128	135	137	137	138	131	129	80.00
Goodwill	0%	364	364	364	360	303	303	303	303	303	303	303	303	303	303	303	303	303	304	274	274	274
Liabilities	-0.4%	10,145	10,181	10,086	9,889	8,754	8,556	8,477	8,575	8,436	8,365	8,296	8,330	7,999	8,217	8,289	7,457	7,253	7,113	7,049	6,975	6,853
Short Term Borrowings	9.9%	598	544	543	279	373	98.00	89.00	96.00	138	118	107	111	117	122	108	147	202	84.00	555	566	722
Long Term Debt	-0.1%	187	187	187	188	181	181	182	182	182	183	183	233	233	233	234	234	234	234	235	185	185
Shareholder's Equity	5.9%	1,314	1,241	1,232	1,225	1,052	1,023	1,049	1,068	1,109	1,113	7.00	114	1,069	1,073	584	494	1,056	1,039	544	998	975
Retained Earnings	3.8%	881	849	823	793	775	750	728	708	691	667	644	626	597	593	584	571	577	560	544	526	511
Additional Paid-In Capital	0.0%	630	630	630	630	497	497	497	497	496	496	496	496	495	495	495	494	494	494	494	494	492
Shares Outstanding	-0.1%	102	102	102	103	93.00	93.00	94.00	94.00	96.00	96.00	96.00	96.00	-	-	-	-	-	-	-	-	-
Float	-	1,272	-	-	-	1,235	-	-	-	-	-	1,331	-	-	-	800	-	-	-	1,308	-	-

Cashflow (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Cashflow (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	115.8%	44.00	20.00	48.00	39.00	43.00	48.00	29.00	31.00	46.00	46.00	22.00	51.00	35.00	20.00	18.00	33.00	31.00	47.00	11.00	19.00	42.00
Cashflow From Investing	-6.3%	-225	-212	-148	11.00	-260	-183	-108	-35.94	-24.29	-33.78	-192	-314	229	-12.71	-504	-195	-145	419	-91.73	-58.53	-141
Cashflow From Financing	-111.0%	-8.82	80.00	153	192	191	17.00	-145	134	39.00	38.00	-49.73	412	-287	-84.56	810	174	108	-432	53.00	65.00	103
Dividend Payments	-0.3%	13.00	13.00	13.00	12.00	11.00	11.00	11.00	11.00	11.00	11.00	11.00	11.00	11.00	11.00	11.00	11.00	10.00	10.00	10.00	10.00	9.00
Buy Backs	-73.3%	1.00	3.00	9.00	2.00	-	5.00	9.00	1.00	16.00	13.00	1.00	2.00	7.00	9.00	-	5.00	0.00	2.00	2.00	2.00	25.00

FCF Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest Income
Interest and fees on loans and leases	$ 490,710	$ 302,207	$ 267,599
Interest and dividends on investments:
Taxable interest	26,331	24,668	24,723
Interest exempt from federal income taxes	457	479	595
Dividends	3,009	877	521
Interest on bank deposits	9,491	1,722	400
Total interest income	529,998	329,953	293,838
Interest Expense
Interest on deposits	112,406	6,714	5,749
Interest on short-term borrowings	21,747	1,999	99
Interest on subordinated debentures	9,794	8,595	8,555
Interest on other long-term debt	170	198	649
Interest Expense, Lessee, Assets under Capital Lease	205	226	245
Total interest expense	144,322	17,732	15,297
Net Interest Income	385,676	312,221	278,541
Provision for credit losses	4,160	21,106	(1,376)
Provision for credit losses - acquisition day 1 non-PCD	10,653	0	0
Net Interest Income after Provision for Credit Losses	370,863	291,115	279,917
Noninterest Income
Net securities (losses) gains	(103)	2	16
Trust income	10,516	10,518	11,111
Service charges on deposit accounts	21,437	19,641	17,984
Insurance and retail brokerage commissions	9,628	8,857	8,502
Income from bank owned life insurance	4,875	5,459	6,433
Gain on sale of mortgage loans	3,951	5,276	13,555
Gain on sale of other loans and assets	(6,744)	(6,036)	(8,130)
Card- related interchange income	28,640	27,603	27,954
Derivative, Gain (Loss) on Derivative, Net	14	368	2,344
Swap Fee Income	1,519	4,685	2,543
Other income	9,388	10,263	8,185
Total noninterest income	96,609	98,708	106,757
Noninterest Expense
Salaries and employee benefits	142,871	126,031	119,506
Net occupancy	19,221	18,037	16,586
Furniture and equipment	17,308	15,582	15,642
Data processing	15,010	13,922	12,373
Advertising and promotion	5,713	5,031	4,983
Pennsylvania shares tax	4,364	4,447	4,604
Intangible amortization	4,983	3,196	3,497
Other professional fees and services	5,919	4,894	4,501
FDIC insurance	6,260	2,871	2,529
Asset Impairment Charges	204	343	303
Litigation and operational losses	4,641	2,834	2,324
Merger and acquisition related	9,034	1,702	0
Other operating expenses	34,389	30,748	27,009
Total noninterest expense	269,917	229,638	213,857
Income before income taxes	197,555	160,185	172,817
Income tax provision	40,492	32,004	34,560
Net Income	$ 157,063	$ 128,181	$ 138,257
Average Shares Outstanding (in shares)	101,556,427	93,612,043	95,583,890
Average Shares Outstanding Assuming Dilution (in shares)	101,822,201	93,887,447	95,840,285
Per Share Data:
Basic Earnings Per Share (in dollars per share)	$ 1.55	$ 1.37	$ 1.45
Diluted Earnings Per Share (in dollars per share)	1.54	1.37	1.44
Cash Dividends Declared per Common Share (in dollars per share)	$ 0.495	$ 0.475	$ 0.455

About First Commonwealth Financial Corp

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include 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, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, 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, it offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.

CEO	Mr. Thomas Michael Price
WEBSITE	fcbanking.com
INDUSTRY	Banks Diversified
EMPLOYEES	1483

First Commonwealth Financial Corp Frequently Asked Questions

What is the ticker symbol for First Commonwealth Financial Corp? What does FCF stand for in stocks?

FCF is the stock ticker symbol of First Commonwealth Financial Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of First Commonwealth Financial Corp (FCF)?

As of Thu Apr 18 2024, market cap of First Commonwealth Financial Corp is 1.31 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of FCF stock?

You can check FCF's fair value in chart for subscribers.

What is the fair value of FCF stock?

You can check FCF's fair value in chart for subscribers. The fair value of First Commonwealth Financial Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of First Commonwealth Financial Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for FCF so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is First Commonwealth Financial Corp a good stock to buy?

The fair value guage provides a quick view whether FCF is over valued or under valued. Whether First Commonwealth Financial Corp is cheap or expensive depends on the assumptions which impact First Commonwealth Financial Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for FCF.

What is First Commonwealth Financial Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu Apr 18 2024, FCF's PE ratio (Price to Earnings) is 8.33 and Price to Sales (PS) ratio is 2.47. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. FCF PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on First Commonwealth Financial Corp's stock?

In the past 10 years, First Commonwealth Financial Corp has provided 0.068 (multiply by 100 for percentage) rate of return.