FCF

First Commonwealth Financial Corporation

Financial Services · USD

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21.00 USD -0.02 -0.10%
As of Oct 30, 2026 Extended hours 21.00 0.00%
Bid
20.98 × 500
Ask
21.00 × 800
20.89 Day range 21.22
15.29 52-week range 21.95
YTD
+24.56%
1 year
+35.83%
Open
21.19
Prev close
21.02
Mkt cap
2.04B
Vol
842.63K
Avg vol
866.37K
EPS
1.69
P/E
12.43
Div yield
2.66%
More statistics
Low
20.89
High
21.22
Forward P/E
10.58
Beta
0.75
Short ratio
4.00
Inst. own
83.96%
Dividend
0.56
Ex-div date
Aug 6, 2026
Earnings
Jan 26, 2027
50-d avg
20.73
200-d avg
19.42
1y target
23.93

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FCF five-day price chart20.520.721.021.221.4Oct 23Oct 26Oct 27Oct 28Oct 29

Financial health

Altman Z-Score

-0.65 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 11.4×
FY 2016: 21.2×FY 2017: 25.1×FY 2018: 11.1×FY 2019: 13.6×FY 2020: 14.4×FY 2021: 10.9×FY 2022: 10.2×FY 2023: 10.0×FY 2024: 12.1×FY 2025: 11.4×
FY 2016 5y median 10.9× FY 2025
P/S 2.4×
FY 2016: 4.5×FY 2017: 4.2×FY 2018: 3.1×FY 2019: 3.5×FY 2020: 2.7×FY 2021: 3.8×FY 2022: 3.1×FY 2023: 2.5×FY 2024: 2.5×FY 2025: 2.4×
FY 2016 5y median 2.5× FY 2025
P/B 1.1×
FY 2016: 1.7×FY 2017: 1.6×FY 2018: 1.2×FY 2019: 1.4×FY 2020: 1.0×FY 2021: 1.4×FY 2022: 1.2×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 1.1×
FY 2016 5y median 1.2× FY 2025
P/FCF 10.1×
FY 2016: 15.3×FY 2017: 18.2×FY 2018: 9.5×FY 2019: 15.8×FY 2020: 10.7×FY 2021: 9.8×FY 2022: 9.3×FY 2023: 12.2×FY 2024: 15.1×FY 2025: 10.1×
FY 2016 5y median 10.1× FY 2025
EV/EBITDA 10.2×
FY 2016: 22.7×FY 2017: 18.5×FY 2018: 14.2×FY 2019: 12.3×FY 2020: 10.3×FY 2021: 7.8×FY 2022: 10.0×FY 2023: 10.9×FY 2024: 10.5×FY 2025: 10.2×
FY 2016 5y median 10.2× FY 2025
EV/Sales 2.9×
FY 2016: 7.4×FY 2017: 6.3×FY 2018: 5.3×FY 2019: 4.2×FY 2020: 2.6×FY 2021: 3.6×FY 2022: 4.0×FY 2023: 3.5×FY 2024: 2.8×FY 2025: 2.9×
FY 2016 5y median 3.5× FY 2025
FCF Yield 9.9%
FY 2016: 6.5%FY 2017: 5.5%FY 2018: 10.5%FY 2019: 6.3%FY 2020: 9.3%FY 2021: 10.2%FY 2022: 10.7%FY 2023: 8.2%FY 2024: 6.6%FY 2025: 9.9%
FY 2016 5y median 9.9% FY 2025

Profitability

Gross Margin 67.6%
FY 2016: 87.1%FY 2017: 91.9%FY 2018: 86.2%FY 2019: 83.0%FY 2020: 77.3%FY 2021: 96.5%FY 2022: 90.9%FY 2023: 74.6%FY 2024: 64.2%FY 2025: 67.6%
FY 2016 5y median 74.6% FY 2025
Operating Margin 27.2%
FY 2016: 30.2%FY 2017: 31.3%FY 2018: 34.9%FY 2019: 31.9%FY 2020: 22.8%FY 2021: 43.1%FY 2022: 37.4%FY 2023: 31.5%FY 2024: 25.5%FY 2025: 27.2%
FY 2016 5y median 31.5% FY 2025
Net Margin 20.9%
FY 2016: 21.1%FY 2017: 16.7%FY 2018: 28.2%FY 2019: 25.6%FY 2020: 18.6%FY 2021: 34.5%FY 2022: 29.9%FY 2023: 25.1%FY 2024: 20.4%FY 2025: 20.9%
FY 2016 5y median 25.1% FY 2025
ROE 9.8%
FY 2016: 7.9%FY 2017: 6.2%FY 2018: 11.0%FY 2019: 10.0%FY 2020: 6.9%FY 2021: 12.5%FY 2022: 12.2%FY 2023: 12.0%FY 2024: 10.1%FY 2025: 9.8%
FY 2016 5y median 12.0% FY 2025
ROIC 1.3%
FY 2016: 3.4%FY 2017: 3.2%FY 2018: 5.6%FY 2019: 6.5%FY 2020: 4.5%FY 2021: 8.8%FY 2022: 7.1%FY 2023: 6.9%FY 2024: 7.5%FY 2025: 1.3%
FY 2016 5y median 7.1% FY 2025
ROA 1.2%
FY 2016: 0.9%FY 2017: 0.8%FY 2018: 1.4%FY 2019: 1.3%FY 2020: 0.8%FY 2021: 1.4%FY 2022: 1.3%FY 2023: 1.4%FY 2024: 1.2%FY 2025: 1.2%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue 4.3%
FY 2016: 6.3%FY 2017: 17.2%FY 2018: 15.1%FY 2019: 7.8%FY 2020: -3.7%FY 2021: 1.2%FY 2022: 7.0%FY 2023: 46.2%FY 2024: 11.7%FY 2025: 4.3%
FY 2016 FY 2025
Operating Income 11.3%
FY 2016: 20.1%FY 2017: 21.7%FY 2018: 28.0%FY 2019: -1.4%FY 2020: -31.1%FY 2021: 91.6%FY 2022: -7.3%FY 2023: 23.3%FY 2024: -9.8%FY 2025: 11.3%
FY 2016 FY 2025
EPS (diluted) 5.8%
FY 2016: 19.6%FY 2017: -14.9%FY 2018: 89.5%FY 2019: -0.9%FY 2020: -29.9%FY 2021: 92.0%FY 2022: -4.9%FY 2023: 12.4%FY 2024: -9.7%FY 2025: 5.8%
FY 2016 FY 2025
Free Cash Flow 50.4%
FY 2016: 21.1%FY 2017: -6.7%FY 2018: 63.8%FY 2019: -28.2%FY 2020: 8.7%FY 2021: 57.4%FY 2022: -9.2%FY 2023: -8.2%FY 2024: -11.5%FY 2025: 50.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.4×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.4×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.4×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.3×
FY 2016: 1.3×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.5×FY 2023: 0.6×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 1.7×
FY 2016: 9.0×FY 2017: 6.1×FY 2018: 5.7×FY 2019: 2.2×FY 2020: -0.1×FY 2021: -0.4×FY 2022: 2.3×FY 2023: 3.2×FY 2024: 1.1×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
Interest Coverage 1.0×
FY 2016: 4.6×FY 2017: 4.8×FY 2018: 3.3×FY 2019: 2.4×FY 2020: 2.7×FY 2021: 11.3×FY 2022: 9.0×FY 2023: 1.4×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 1.4× FY 2025

Dividends

Dividend Yield 3.2%
FY 2016: 2.0%FY 2017: 2.2%FY 2018: 2.9%FY 2019: 2.8%FY 2020: 4.1%FY 2021: 2.9%FY 2022: 3.4%FY 2023: 3.2%FY 2024: 3.1%FY 2025: 3.2%
FY 2016 5y median 3.2% FY 2025
Payout Ratio 36.4%
FY 2016: 41.8%FY 2017: 55.3%FY 2018: 32.4%FY 2019: 37.4%FY 2020: 58.5%FY 2021: 31.5%FY 2022: 34.8%FY 2023: 32.4%FY 2024: 36.9%FY 2025: 36.4%
FY 2016 5y median 34.8% FY 2025

Annual · latest fiscal year ends 2025-12-31