First Commonwealth Financials

FCF Stock

EUR 15.00 0.40 2.60%

You can exercise fundamental analysis to find out if First Commonwealth is mispriced or if you can make any profits on it by purchasing it and then waiting for the market to recognize its mistake and reprise the security. We were able to interpolate thirty-one available fundamental indicators for First Commonwealth Financial, which can be compared to its peers. The stock experiences an unexpected downward movement. The market is reacting to new fundamentals. Check odds of First Commonwealth to be traded at €14.4 in 90 days.

Covid

Interest Hikes

First Commonwealth Balance Sheet Chart

At this time, First Commonwealth's Capital Lease Obligations is most likely to decrease significantly in the upcoming years.

Total Assets Total Current Liabilities Total Stockholder Equity Other Liab

Key indicators impacting First Commonwealth's financial strength include:

Current Value

Last Year

Change From Last Year

10 Year Trend

Operating Income

130.1 M

164.3 M

Significantly Down

Slightly volatile

Understanding current and past First Commonwealth Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First Commonwealth's financial statements are interrelated, with each one affecting the others. For example, an increase in First Commonwealth's assets may result in an increase in income on the income statement.

First Commonwealth Stock Summary

First Commonwealth competes with Samsung Electronics, Samsung Electronics, Samsung Electronics, Samsung Electronics, and ASTRA INTERNATIONAL. First Commonwealth Financial Corporation, through its subsidiaries, provides consumer and commercial banking services to individuals, and small and mid-sized businesses in the United States. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania. First Commonwealth operates under Banks - Regional - US classification in Germany and is traded on Frankfurt Stock Exchange. It employs 1417 people.

Foreign Associate	USA
Specialization	Financial Services, Banks - Regional
Instrument	Germany Stock View All
Exchange	Frankfurt Exchange
ISIN	US3198291078
Business Address	601 Philadelphia Street,
Sector	Banks
Industry	Financials
Benchmark	Dow Jones Industrial
Website	www.fcbanking.com
Phone	724 349 7220
Currency	EUR - Euro

You should never invest in First Commonwealth without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of First Stock, because this is throwing your money away. Analyzing the key information contained in First Commonwealth's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

First Commonwealth Key Financial Ratios

There are many critical financial ratios that First Commonwealth's investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that First Commonwealth reports annually and quarterly.

	Revenue	478.12 M
	Gross Profit	485.53 M
	Net Income	142.57 M
	Total Asset	11.58 B
	Retained Earnings	971.08 M

More Fundamentals

First Commonwealth Key Balance Sheet Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	9.5B	9.8B	11.5B	11.6B	13.3B	9.7B
Other Liab	65.1M	102.1M	53.6M	59.8M	68.7M	61.6M
Net Tangible Assets	737.3M	753.7M	797.4M	742.6M	853.9M	748.4M
Retained Earnings	691.3M	774.9M	881.1M	971.1M	1.1B	685.5M
Accounts Payable	6.7B	7.4B	8.0B	8.0B	9.2B	7.0B
Cash	395.4M	154.2M	147.0M	133.4M	153.4M	186.5M
Other Assets	6.4B	7.0B	7.1B	7.9B	9.1B	6.9B
Long Term Debt	182.3M	181.2M	181.9M	258.7M	297.5M	185.3M
Inventory	2.2M	1.2M	642K	534K	480.6K	456.6K
Other Current Assets	30.7M	33.4M	18.6M	11.9M	13.6M	21.9M
Total Liab	8.4B	8.8B	10.1B	10.2B	11.7B	8.6B
Short Long Term Debt	138.3M	372.7M	563M	55M	49.5M	47.0M
Total Current Assets	162.0M	445.6M	441.4M	217.4M	250.0M	239.4M
Intangible Assets	11.2M	9.2M	22.8M	19.6M	22.6M	14.7M
Net Invested Capital	320.6M	553.9M	2.1B	1.7B	1.5B	1.1B

First Commonwealth Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.

	2021	2022	2023	2024	2025	2026 (projected)
Interest Expense	15.3M	17.7M	144.3M	221.6M	254.8M	267.5M
Total Revenue	385.3M	410.9M	482.3M	478.1M	549.8M	398.4M
Income Before Tax	172.8M	160.2M	197.6M	178.2M	204.9M	145.6M
Net Income	138.3M	128.2M	157.1M	142.6M	164.0M	111.9M
Income Tax Expense	25.5M	16.8M	34.6M	32.0M	36.8M	31.5M
Tax Provision	34.6M	32.0M	40.5M	35.6M	41.0M	34.8M
Net Interest Income	278.5M	312.2M	382.7M	376.8M	433.4M	312.9M
Interest Income	293.8M	330.0M	527.0M	598.4M	688.2M	382.3M

First Commonwealth Key Cash Accounts

Cash flow analysis captures how much money flows into and out of First Commonwealth. It measures of how well First is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money First Commonwealth brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money First had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what First Commonwealth has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (capital allocation) and investing in non-business activities like paying off debt or making acquisitions.

	2021	2022	2023	2024	2025	2026 (projected)
Investments	(484.0M)	225.0M	(609.3M)	(116.0M)	(104.4M)	(99.2M)
Change In Cash	38.8M	(241.1M)	156.3M	(13.6M)	(12.2M)	(11.6M)
Net Borrowings	(30.2M)	233.2M	51.1M	(442.0M)	(397.8M)	(377.9M)
Depreciation	16.3M	17.2M	5.6M	5.7M	6.5M	12.6M
Dividends Paid	43.6M	44.6M	49.3M	(52.6M)	(47.3M)	(45.0M)
Capital Expenditures	10.6M	11.2M	22.2M	15.5M	17.9M	12.9M
Net Income	138.3M	128.2M	157.1M	142.6M	164.0M	111.9M
Change To Netincome	(12.9M)	27.1M	(5.7M)	16.3M	14.7M	10.6M
End Period Cash Flow	395.4M	154.2M	337.1M	133.4M	153.4M	222.5M
Free Cash Flow	154.4M	140.2M	127.3M	113.9M	131.0M	127.6M
Other Non Cash Items	16.7M	13.3M	(13.3M)	(41.8M)	(37.7M)	(35.8M)

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First Commonwealth's current stock value. Our valuation model uses many indicators to compare First Commonwealth value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Commonwealth competition to find correlations between indicators driving First Commonwealth's intrinsic value. More Info.

First Commonwealth Financial is one of the top stocks in return on equity category among its peers. It also is one of the top stocks in return on asset category among its peers reporting about 0.12 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First Commonwealth Financial is roughly 8.10 . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the First Commonwealth's earnings, one of the primary drivers of an investment's value.

First Commonwealth Financial Total Assets Over Time

Most indicators from First Commonwealth's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into First Commonwealth current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Commonwealth Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in inflation.

The First Commonwealth's current Issuance Of Capital Stock is estimated to increase to about 244.7 K, while Selling General Administrative is projected to decrease to roughly 146.9 M.

	2025	2026 (projected)
Gross Profit	390.0M	317.9M
Total Revenue	549.8M	398.4M

Gross Profit Total Revenue

First Commonwealth fundamental ratios Correlations

	Total Assets	Total Current Liabilities	Total Stockholder Equity	Other Liab	Net Tangible Assets	Retained Earnings	Accounts Payable	Cash	Other Assets	Long Term Debt	Good Will	Inventory	Other Current Assets	Other Stockholder Equity	Total Liab	Long Term Investments	Short Long Term Debt	Total Current Assets	Short Term Debt	Intangible Assets	Common Stock	Property Plant Equipment	Short Term Investments	Net Debt	Common Stock Shares Outstanding	Capital Lease Obligations
Total Assets		0.98	0.99	0.53	0.9	0.99	0.95	0.45	0.98	0.89	0.96	-0.84	0.14	-0.82	1.0	0.75	0.05	0.59	-0.03	0.83	0.84	0.83	0.9	-0.67	0.65	-0.97
Total Current Liabilities	0.98		0.96	0.57	0.95	0.97	0.98	0.57	0.99	0.89	0.95	-0.89	0.21	-0.78	0.98	0.68	0.08	0.69	-0.01	0.8	0.84	0.88	0.84	-0.66	0.53	-0.95
Total Stockholder Equity	0.99	0.96		0.53	0.92	0.98	0.94	0.45	0.96	0.92	0.98	-0.86	0.24	-0.75	0.98	0.73	0.07	0.58	0.04	0.88	0.87	0.86	0.92	-0.69	0.67	-0.94
Other Liab	0.53	0.57	0.53		0.64	0.48	0.59	0.62	0.57	0.7	0.56	-0.54	0.6	-0.2	0.52	0.18	-0.3	0.71	-0.33	0.39	0.48	0.71	0.37	-0.5	0.22	-0.5
Net Tangible Assets	0.9	0.95	0.92	0.64		0.88	0.97	0.68	0.94	0.94	0.95	-0.93	0.45	-0.6	0.9	0.59	0.07	0.76	0.04	0.81	0.87	0.95	0.81	-0.69	0.47	-0.86
Retained Earnings	0.99	0.97	0.98	0.48	0.88		0.94	0.4	0.98	0.88	0.94	-0.82	0.08	-0.84	0.99	0.75	0.06	0.54	-0.02	0.82	0.81	0.82	0.89	-0.68	0.63	-0.97
Accounts Payable	0.95	0.98	0.94	0.59	0.97	0.94		0.64	0.98	0.91	0.97	-0.95	0.35	-0.7	0.94	0.58	0.17	0.74	0.09	0.85	0.83	0.93	0.8	-0.65	0.45	-0.91
Cash	0.45	0.57	0.45	0.62	0.68	0.4	0.64		0.52	0.53	0.52	-0.65	0.57	-0.07	0.45	0.23	0.03	0.98	0.05	0.41	0.41	0.66	0.38	-0.36	-0.05	-0.43
Other Assets	0.98	0.99	0.96	0.57	0.94	0.98	0.98	0.52		0.91	0.97	-0.9	0.23	-0.79	0.98	0.64	0.12	0.64	0.02	0.83	0.84	0.89	0.82	-0.66	0.54	-0.95
Long Term Debt	0.89	0.89	0.92	0.7	0.94	0.88	0.91	0.53	0.91		0.93	-0.84	0.42	-0.57	0.88	0.58	-0.04	0.65	-0.01	0.8	0.82	0.92	0.83	-0.75	0.54	-0.85
Good Will	0.96	0.95	0.98	0.56	0.95	0.94	0.97	0.52	0.97	0.93		-0.94	0.38	-0.71	0.95	0.6	0.19	0.63	0.14	0.92	0.88	0.91	0.84	-0.66	0.57	-0.91
Inventory	-0.84	-0.89	-0.86	-0.54	-0.93	-0.82	-0.95	-0.65	-0.9	-0.84	-0.94		-0.53	0.63	-0.84	-0.39	-0.31	-0.72	-0.25	-0.88	-0.81	-0.91	-0.66	0.62	-0.34	0.82
Other Current Assets	0.14	0.21	0.24	0.6	0.45	0.08	0.35	0.57	0.23	0.42	0.38	-0.53		0.22	0.12	-0.25	0.12	0.53	0.24	0.43	0.38	0.58	0.05	-0.35	-0.03	-0.08
Other Stockholder Equity	-0.82	-0.78	-0.75	-0.2	-0.6	-0.84	-0.7	-0.07	-0.79	-0.57	-0.71	0.63	0.22		-0.83	-0.58	-0.11	-0.21	0.06	-0.61	-0.62	-0.52	-0.64	0.52	-0.55	0.88
Total Liab	1.0	0.98	0.98	0.52	0.9	0.99	0.94	0.45	0.98	0.88	0.95	-0.84	0.12	-0.83		0.75	0.05	0.59	-0.04	0.83	0.83	0.83	0.89	-0.66	0.64	-0.98
Long Term Investments	0.75	0.68	0.73	0.18	0.59	0.75	0.58	0.23	0.64	0.58	0.6	-0.39	-0.25	-0.58	0.75		-0.32	0.33	-0.28	0.44	0.64	0.43	0.91	-0.53	0.73	-0.75
Short Long Term Debt	0.05	0.08	0.07	-0.3	0.07	0.06	0.17	0.03	0.12	-0.04	0.19	-0.31	0.12	-0.11	0.05	-0.32		-0.02	0.87	0.44	0.05	0.05	-0.11	0.36	-0.15	0.03
Total Current Assets	0.59	0.69	0.58	0.71	0.76	0.54	0.74	0.98	0.64	0.65	0.63	-0.72	0.53	-0.21	0.59	0.33	-0.02		-0.02	0.49	0.51	0.75	0.49	-0.46	0.07	-0.56
Short Term Debt	-0.03	-0.01	0.04	-0.33	0.04	-0.02	0.09	0.05	0.02	-0.01	0.14	-0.25	0.24	0.06	-0.04	-0.28	0.87	-0.02		0.41	0.13	-0.01	-0.05	0.17	-0.02	0.1
Intangible Assets	0.83	0.8	0.88	0.39	0.81	0.82	0.85	0.41	0.83	0.8	0.92	-0.88	0.43	-0.61	0.83	0.44	0.44	0.49	0.41		0.78	0.8	0.73	-0.53	0.55	-0.76
Common Stock	0.84	0.84	0.87	0.48	0.87	0.81	0.83	0.41	0.84	0.82	0.88	-0.81	0.38	-0.62	0.83	0.64	0.05	0.51	0.13	0.78		0.77	0.8	-0.72	0.77	-0.82
Property Plant Equipment	0.83	0.88	0.86	0.71	0.95	0.82	0.93	0.66	0.89	0.92	0.91	-0.91	0.58	-0.52	0.83	0.43	0.05	0.75	-0.01	0.8	0.77		0.7	-0.73	0.36	-0.79
Short Term Investments	0.9	0.84	0.92	0.37	0.81	0.89	0.8	0.38	0.82	0.83	0.84	-0.66	0.05	-0.64	0.89	0.91	-0.11	0.49	-0.05	0.73	0.8	0.7		-0.68	0.76	-0.87
Net Debt	-0.67	-0.66	-0.69	-0.5	-0.69	-0.68	-0.65	-0.36	-0.66	-0.75	-0.66	0.62	-0.35	0.52	-0.66	-0.53	0.36	-0.46	0.17	-0.53	-0.72	-0.73	-0.68		-0.58	0.74
Common Stock Shares Outstanding	0.65	0.53	0.67	0.22	0.47	0.63	0.45	-0.05	0.54	0.54	0.57	-0.34	-0.03	-0.55	0.64	0.73	-0.15	0.07	-0.02	0.55	0.77	0.36	0.76	-0.58		-0.65
Capital Lease Obligations	-0.97	-0.95	-0.94	-0.5	-0.86	-0.97	-0.91	-0.43	-0.95	-0.85	-0.91	0.82	-0.08	0.88	-0.98	-0.75	0.03	-0.56	0.1	-0.76	-0.82	-0.79	-0.87	0.74	-0.65

Click cells to compare fundamentals

First Commonwealth Account Relationship Matchups

First Commonwealth fundamental ratios Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	9.5B	9.8B	11.5B	11.6B	13.3B	9.7B
Other Liab	65.1M	102.1M	53.6M	59.8M	68.7M	61.6M
Net Tangible Assets	737.3M	753.7M	797.4M	742.6M	853.9M	748.4M
Retained Earnings	691.3M	774.9M	881.1M	971.1M	1.1B	685.5M
Accounts Payable	6.7B	7.4B	8.0B	8.0B	9.2B	7.0B
Cash	395.4M	154.2M	147.0M	133.4M	153.4M	186.5M
Other Assets	6.4B	7.0B	7.1B	7.9B	9.1B	6.9B
Long Term Debt	182.3M	181.2M	181.9M	258.7M	297.5M	185.3M
Inventory	2.2M	1.2M	642K	534K	480.6K	456.6K
Other Current Assets	30.7M	33.4M	18.6M	11.9M	13.6M	21.9M
Total Liab	8.4B	8.8B	10.1B	10.2B	11.7B	8.6B
Short Long Term Debt	138.3M	372.7M	563M	55M	49.5M	47.0M
Total Current Assets	162.0M	445.6M	441.4M	217.4M	250.0M	239.4M
Intangible Assets	11.2M	9.2M	22.8M	19.6M	22.6M	14.7M
Net Invested Capital	320.6M	553.9M	2.1B	1.7B	1.5B	1.1B

First Commonwealth March 4, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First Commonwealth help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Commonwealth Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Commonwealth Financial based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Commonwealth's daily price indicators and compare them against related drivers.

	Downside Deviation	3.03
	Information Ratio	0.0612
	Maximum Drawdown	16.09
	Value At Risk	(3.58)
	Potential Upside	4.47

Complementary Tools for First Stock analysis

When running First Commonwealth's price analysis, check to measure First Commonwealth's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Commonwealth is operating at the current time. Most of First Commonwealth's value examination focuses on studying past and present price action to predict the probability of First Commonwealth's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Commonwealth's price. Additionally, you may evaluate how the addition of First Commonwealth to your portfolios can decrease your overall portfolio volatility.

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