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Ticker
FCF

Price
18.08
Stock movement down
-0.03 (-0.17%)
Company name
First Commonwealth Financial
Exchange
(NYSE
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
1.88B
Ent value
12.48B
Price/Sales
2.62
Price/Book
1.22
Div yield
2.99%
Div growth
5.18%
Growth years
8
FCF payout
43.87%
Trailing P/E
13.09
Forward P/E
10.22
PEG
-
EPS growth
5.48%
1 year return (CAGR)
8.65%
3 year return (CAGR)
-
5 year return (CAGR)
-
10 year return (CAGR)
-
Last updated: 2026-01-22

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.54
Dividend yield2.99%
Payout frequencyQuarterly
Maximum yield3.77%
Average yield3.21%
Minimum yield2.68%
Discount to avg yield-7.61%
Upside potential-7.07%
Yield as % of max yield79.15%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.99%
Current yield distribution89.44%
Yield at 100% (Min)2.68%
Yield at 90%2.98%
Yield at 80%3.07%
Yield at 50% (Median)3.20%
Yield at 20%3.38%
Yield at 10%3.48%
Yield at 0% (Max)3.77%

Dividend per share

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Dividend per share data
Years of growth8 years
CCC statusDividend Challenger
Dividend per share0.54
Payout frequencyQuarterly
Ex-div date7 Nov 2025
EPS (TTM)1.37
EPS (1y forward)1.77
EPS growth (5y)5.48%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
FCFS&P500
DGR MR3.85%-13.74%
DGR TTM4.90%6.60%
DGR 3 years4.22%7.31%
DGR 5 years5.18%4.69%
DGR 10 years6.28%6.30%
DGR 15 years7.26%8.16%
Time since last change announced275 days
EPS growth (5y)5.48%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM38.19%43.87%
Average54.67%45.61%
Forward30.54%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E13.09
Price to OCF12.57
Price to FCF15.04
Price to EBITDA10.06
EV to EBITDA66.96

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.62
Price to Book1.22
EV to Sales17.43

FINANCIALS

Per share

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Per share data
Current share count103.77M
EPS (TTM)1.37
FCF per share (TTM)1.19

Income statement

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Income statement data
Revenue (TTM)716.13M
Gross profit (TTM)469.13M
Operating income (TTM)179.54M
Net income (TTM)143.28M
EPS (TTM)1.37
EPS (1y forward)1.77

Margins

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Margins data
Gross margin (TTM)65.51%
Operating margin (TTM)25.07%
Profit margin (TTM)20.01%

Balance Sheet

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Balance Sheet data
Cash161.41M
Net receivables0.00
Total current assets1.16B
Goodwill378.21M
Intangible assets22.64M
Property, plant and equipment0.00
Total assets12.31B
Accounts payable0.00
Short/Current long term debt411.61M
Total current liabilities10.38B
Total liabilities10.77B
Shareholder's equity1.54B
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)149.31M
Capital expenditures (TTM)24.57M
Free cash flow (TTM)124.73M
Dividends paid (TTM)54.72M

Financial returns

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Financial returns data
Return on Equity9.29%
Return on Assets1.16%
Return on Invested Capital7.35%
Cash Return on Invested Capital6.40%

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STOCK INFORMATION

Stock chart

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Stock price data
Open18.13
Daily high18.41
Daily low18.04
Daily Volume670K
All-time high19.41
1y analyst estimate19.00
Beta0.81
EPS (TTM)1.37
Dividend per share0.54
Ex-div date7 Nov 2025
Next earnings date27 Jan 2026

Downside potential

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Downside potential data
FCFS&P500
Current price drop from All-time high-6.85%-0.89%
Highest price drop-27.46%-19.00%
Date of highest drop7 Apr 20258 Apr 2025
Avg drop from high-14.15%-2.49%
Avg time to new high161 days6 days
Max time to new high289 days89 days
COMPANY DETAILS
FCF (First Commonwealth Financial) company logo
Marketcap
1.88B
Marketcap category
Small-cap
Description
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company's consumer services include internet, mobile, and telephone banking; an automated teller machine network; 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, and IRA accounts. Its commercial banking services comprise commercial lending and leasing, 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, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial and residential real estate loans, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.
Employees
1548
Investor relations
-
SEC filings
CEO
Thomas Michael Price
Country
USA
City
Indiana
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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