Stock FCF FIRST COMMONWEALTH FINANCIAL CORPORATION
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Financials First Commonwealth Financial Corporation

Equities

FCF

US3198291078

Banks

Market Closed - Nyse
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
13.55 USD -0.07% Intraday chart for First Commonwealth Financial Corporation +2.65% -12.24%
Apr. 24 Transcript : First Commonwealth Financial Corporation, Q1 2024 Earnings Call, Apr 24, 2024
Apr. 23 First Commonwealth Financial's Q1 Core Earnings, Revenue Decline; Quarterly Dividend Raised MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 1,425 1,050 1,523 1,300 1,572 1,382 -
Enterprise Value (EV) 1 1,425 1,050 1,523 1,300 1,572 1,382 1,382
P/E ratio 13.6 x 14.6 x 11.2 x 10.2 x 10 x 9.56 x 9.41 x
Yield 2.76% 4.02% 2.83% 3.4% 3.21% 3.92% 4.06%
Capitalization / Revenue 3.99 x 2.89 x 3.95 x 3.16 x 3.26 x 2.93 x 2.81 x
EV / Revenue 3.99 x 2.89 x 3.95 x 3.16 x 3.26 x 2.93 x 2.81 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.35 x 0.98 x 1.37 x 1.24 x 1.2 x 0.99 x 0.92 x
Nbr of stocks (in thousands) 98,179 95,961 94,681 93,063 101,800 101,987 -
Reference price 2 14.51 10.94 16.09 13.97 15.44 13.55 13.55
Announcement Date 1/28/20 1/26/21 1/25/22 1/24/23 1/30/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 357.1 362.7 385.3 410.9 482.3 472.4 492.1
EBITDA - - - - - - -
EBIT 1 143.6 146.9 171.8 183 221.5 202.3 212.5
Operating Margin 40.21% 40.5% 44.58% 44.54% 45.93% 42.82% 43.17%
Earnings before Tax (EBT) 1 132.6 91.66 172.8 160.2 197.6 181.1 184.1
Net income 1 105.3 73.45 138.3 128.2 157.1 144.6 146.5
Net margin 29.5% 20.25% 35.88% 31.19% 32.57% 30.61% 29.77%
EPS 2 1.070 0.7500 1.440 1.370 1.540 1.417 1.440
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.4000 0.4400 0.4550 0.4750 0.4950 0.5314 0.5500
Announcement Date 1/28/20 1/26/21 1/25/22 1/24/23 1/30/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 97.89 96.32 92.15 98.17 108.3 112.3 117.3 122.3 122.6 120 116.3 118.3 117.7 119.9 119.4
EBITDA - - - - - - - - - - - - - - -
EBIT 1 42.86 40.87 36.54 42.35 48.86 55.29 54.48 56.34 55.65 55.03 50.83 50.95 49.42 50.91 50.55
Operating Margin 43.79% 42.43% 39.65% 43.14% 45.13% 49.22% 46.44% 46.05% 45.4% 45.84% 43.71% 43.06% 41.98% 42.45% 42.35%
Earnings before Tax (EBT) 1 42.53 43.63 34.46 38.39 42.45 44.88 37.94 53.61 49.28 56.72 46.48 45.58 44.32 44.71 42.86
Net income 1 34.09 34.78 27.73 30.75 33.97 35.73 30.22 42.78 39.23 44.83 37.55 36.01 34.8 35.13 34
Net margin 34.83% 36.1% 30.09% 31.33% 31.37% 31.81% 25.76% 34.97% 32% 37.35% 32.29% 30.44% 29.56% 29.3% 28.48%
EPS 2 0.3600 0.3700 0.2900 0.3300 0.3600 0.3800 0.3000 0.4200 0.3800 0.4400 0.3700 0.3529 0.3414 0.3457 0.3350
Dividend per Share 2 0.1150 0.1150 0.1150 0.1200 0.1200 0.1200 0.1200 0.1250 0.1250 0.1250 0.1329 0.1329 0.1329 0.1343 0.1350
Announcement Date 10/26/21 1/25/22 4/26/22 7/26/22 10/25/22 1/24/23 4/25/23 7/25/23 10/24/23 1/30/24 4/23/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 10.3% 6.82% 12.6% 12% 12.8% 10.7% 10.3%
ROA (Net income/ Total Assets) 1.35% 0.82% 1.47% 1.34% 1.42% 1.24% 1.2%
Assets 1 7,802 8,957 9,405 9,566 11,061 11,709 12,210
Book Value Per Share 2 10.70 11.10 11.80 11.30 12.90 13.70 14.70
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/28/20 1/26/21 1/25/22 1/24/23 1/30/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for First Commonwealth Financial Corporation

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
7
Last Close Price
13.55 USD
Average target price
15.92 USD
Spread / Average Target
+17.47%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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