First Commonwealth Financials

FCF Stock  USD 17.47  0.61  3.37%   
First Commonwealth Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, First Commonwealth's Total Current Liabilities is most likely to increase significantly in the upcoming years. The First Commonwealth's current Total Stockholder Equity is estimated to increase to about 1.7 B, while Property Plant And Equipment Net is projected to decrease to roughly 73.5 M.
 
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First Commonwealth Balance Sheet Chart

At this time, First Commonwealth's Total Current Liabilities is most likely to increase significantly in the upcoming years. The First Commonwealth's current Total Stockholder Equity is estimated to increase to about 1.7 B, while Property Plant And Equipment Net is projected to decrease to roughly 73.5 M.
Key indicators impacting First Commonwealth's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.130.18
Way Down
Slightly volatile
Return On Assets0.01030.0142
Way Down
Slightly volatile
Return On Equity0.10.12
Fairly Down
Slightly volatile
Debt Equity Ratio0.270.28
Sufficiently Down
Slightly volatile
Operating Income215.2 M204.9 M
Sufficiently Up
Slightly volatile
Current Ratio0.07310.12
Way Down
Slightly volatile
The financial analysis of First Commonwealth is a critical element in measuring its lifeblood. Investors should not minimize First Commonwealth's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

172.16 Million

  
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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 Northwest Bancshares, ST Bancorp, Stellar Bancorp, City Holding, and First Merchants. First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania. First Commonwealth operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 1422 people.
Foreign Associate
  Germany
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS3198291078
Business Address601 Philadelphia Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.fcbanking.com
Phone724 349 7220
CurrencyUSD - US Dollar

First Commonwealth Key Financial Ratios

First Commonwealth Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets9.5B9.8B11.5B11.6B13.3B14.0B
Other Current Liab8.0B8.0B9.2B9.7B11.1B11.7B
Net Debt(74.8M)399.7M637.6M209.7M241.2M229.1M
Retained Earnings691.3M774.9M881.1M971.1M1.1B1.2B
Cash395.4M154.2M147.0M133.4M153.4M123.9M
Other Assets6.1B7.2B(147.4M)9.8B11.3B6.4B
Total Liab8.4B8.8B10.1B10.2B11.7B5.9B
Total Current Assets1.4B916.9M1.2B1.3B1.5B1.5B
Short Term Debt138.3M372.7M597.8M80.1M92.2M87.6M
Other Liab65.1M210.2M132.6M59.8M68.7M65.2M
Accounts Payable6.7B7.4B8.0B8.0B9.2B5.3B
Long Term Debt182.3M181.2M181.9M258.7M232.8M268.2M
Inventory2.2M1.8M1.0M534K614.1K583.4K
Other Current Assets357.8M396.0M154.8M147.4M132.7M126.0M
Intangible Assets11.2M9.2M22.8M19.6M22.6M23.7M
Net Tangible Assets736.0M751.8M794.9M742.6M853.9M707.5M
Long Term Debt Total182.3M181.2M177.7M128.3M115.5M139.3M
Capital Surpluse496.1M497.4M630.2M631.4M726.1M502.9M

First Commonwealth Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense15.3M17.7M144.3M221.6M199.4M209.4M
Total Revenue400.6M428.7M626.6M699.7M804.6M844.9M
Gross Profit386.7M389.8M467.5M449.0M516.3M542.1M
Operating Income172.8M160.2M197.6M178.2M204.9M215.2M
Ebit172.8M160.2M197.6M178.3M205.1M215.3M
Ebitda184.3M170.7M201.7M184.0M211.6M222.2M
Cost Of Revenue13.9M38.8M159.1M250.7M225.7M237.0M
Income Before Tax172.8M160.2M197.6M178.2M204.9M215.2M
Net Income138.3M128.2M157.1M142.6M164.0M172.2M
Income Tax Expense34.6M32.0M40.5M35.6M41.0M43.0M
Tax Provision34.6M32.0M37.7M35.6M41.0M33.3M
Net Interest Income278.5M312.2M375.5M376.8M433.4M301.6M
Interest Income293.8M330.0M479.5M598.4M688.2M361.3M

First Commonwealth Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash38.8M(241.1M)(7.3M)(13.6M)(15.6M)(16.4M)
Free Cash Flow154.4M140.2M128.7M113.9M131.0M75.1M
Depreciation11.4M10.6M4.1M5.7M6.5M9.0M
Other Non Cash Items16.7M24.9M(8.8M)(25.9M)(29.8M)(28.3M)
Dividends Paid43.6M44.6M(50.8M)(52.6M)(47.3M)(45.0M)
Capital Expenditures10.6M11.2M22.0M15.5M17.9M10.1M
Net Income138.3M128.2M157.1M142.6M164.0M172.2M
End Period Cash Flow395.4M154.2M147.0M133.4M153.4M136.5M
Change To Netincome6.7M27.9M6.4M16.3M18.8M17.2M
Investments(569.8M)(588.8M)(609.3M)(121.7M)(109.6M)(115.0M)
Net Borrowings(30.2M)233.2M51.1M(442.0M)(397.8M)(377.9M)

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 rated below average in return on equity category among its peers. It also is rated below average 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  8.23 . At this time, First Commonwealth's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value First Commonwealth by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
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 unemployment.
At this time, First Commonwealth's Enterprise Value Multiple is most likely to drop in the upcoming years.
 2023 2024 2025 2026 (projected)
Interest Expense144.3M221.6M199.4M209.4M
Depreciation And Amortization4.1M5.7M6.5M9.0M

First Commonwealth fundamental ratios Correlations

-0.210.991.00.990.72-0.260.980.30.830.710.230.650.550.690.880.820.920.65-0.330.660.760.230.78-0.310.36
-0.21-0.33-0.2-0.25-0.270.98-0.31-0.46-0.150.00.210.080.22-0.34-0.17-0.11-0.40.080.980.170.09-0.35-0.35-0.660.34
0.99-0.330.990.990.73-0.370.990.350.820.680.190.610.490.710.870.810.940.61-0.440.620.720.270.8-0.210.3
1.0-0.20.990.990.71-0.240.990.30.830.70.220.630.530.670.870.820.920.63-0.310.660.760.220.78-0.320.35
0.99-0.250.990.990.72-0.280.970.280.810.70.260.670.580.70.920.80.890.67-0.370.670.770.220.76-0.290.38
0.72-0.270.730.710.72-0.360.680.540.890.80.190.450.650.830.630.890.660.45-0.370.790.810.480.93-0.340.31
-0.260.98-0.37-0.24-0.28-0.36-0.34-0.62-0.21-0.040.190.020.18-0.39-0.18-0.18-0.440.020.970.10.04-0.49-0.43-0.580.32
0.98-0.310.990.990.970.68-0.340.280.820.640.160.550.420.650.820.790.950.55-0.410.560.680.180.78-0.170.24
0.3-0.460.350.30.280.54-0.620.280.370.240.00.210.090.430.110.380.370.21-0.460.240.210.870.560.0-0.06
0.83-0.150.820.830.810.89-0.210.820.370.880.260.450.660.720.70.990.780.45-0.240.810.90.260.96-0.370.31
0.710.00.680.70.70.8-0.040.640.240.880.420.660.870.790.710.910.620.66-0.130.890.930.230.82-0.530.63
0.230.210.190.220.260.190.190.160.00.260.420.420.570.230.310.29-0.020.420.120.580.50.110.19-0.480.42
0.650.080.610.630.670.450.020.550.210.450.660.420.750.650.740.520.491.0-0.090.660.660.290.4-0.470.89
0.550.220.490.530.580.650.180.420.090.660.870.570.750.660.720.710.330.750.070.940.910.150.57-0.720.8
0.69-0.340.710.670.70.83-0.390.650.430.720.790.230.650.660.70.740.630.65-0.490.660.690.530.76-0.160.54
0.88-0.170.870.870.920.63-0.180.820.110.70.710.310.740.720.70.70.710.74-0.320.720.780.140.63-0.360.54
0.82-0.110.810.820.80.89-0.180.790.380.990.910.290.520.710.740.70.760.52-0.210.850.920.280.95-0.420.4
0.92-0.40.940.920.890.66-0.440.950.370.780.62-0.020.490.330.630.710.760.49-0.480.460.590.190.79-0.070.19
0.650.080.610.630.670.450.020.550.210.450.660.421.00.750.650.740.520.49-0.090.660.660.290.4-0.470.89
-0.330.98-0.44-0.31-0.37-0.370.97-0.41-0.46-0.24-0.130.12-0.090.07-0.49-0.32-0.21-0.48-0.090.04-0.04-0.38-0.43-0.580.19
0.660.170.620.660.670.790.10.560.240.810.890.580.660.940.660.720.850.460.660.040.970.230.74-0.730.63
0.760.090.720.760.770.810.040.680.210.90.930.50.660.910.690.780.920.590.66-0.040.970.180.81-0.630.6
0.23-0.350.270.220.220.48-0.490.180.870.260.230.110.290.150.530.140.280.190.29-0.380.230.180.410.020.06
0.78-0.350.80.780.760.93-0.430.780.560.960.820.190.40.570.760.630.950.790.4-0.430.740.810.41-0.250.21
-0.31-0.66-0.21-0.32-0.29-0.34-0.58-0.170.0-0.37-0.53-0.48-0.47-0.72-0.16-0.36-0.42-0.07-0.47-0.58-0.73-0.630.02-0.25-0.57
0.360.340.30.350.380.310.320.24-0.060.310.630.420.890.80.540.540.40.190.890.190.630.60.060.21-0.57
Click cells to compare fundamentals

First Commonwealth Account Relationship Matchups

First Commonwealth fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets9.5B9.8B11.5B11.6B13.3B14.0B
Other Current Liab8.0B8.0B9.2B9.7B11.1B11.7B
Net Debt(74.8M)399.7M637.6M209.7M241.2M229.1M
Retained Earnings691.3M774.9M881.1M971.1M1.1B1.2B
Cash395.4M154.2M147.0M133.4M153.4M123.9M
Other Assets6.1B7.2B(147.4M)9.8B11.3B6.4B
Total Liab8.4B8.8B10.1B10.2B11.7B5.9B
Total Current Assets1.4B916.9M1.2B1.3B1.5B1.5B
Short Term Debt138.3M372.7M597.8M80.1M92.2M87.6M
Other Liab65.1M210.2M132.6M59.8M68.7M65.2M
Accounts Payable6.7B7.4B8.0B8.0B9.2B5.3B
Long Term Debt182.3M181.2M181.9M258.7M232.8M268.2M
Inventory2.2M1.8M1.0M534K614.1K583.4K
Other Current Assets357.8M396.0M154.8M147.4M132.7M126.0M
Intangible Assets11.2M9.2M22.8M19.6M22.6M23.7M
Net Tangible Assets736.0M751.8M794.9M742.6M853.9M707.5M
Long Term Debt Total182.3M181.2M177.7M128.3M115.5M139.3M
Capital Surpluse496.1M497.4M630.2M631.4M726.1M502.9M
Today, most investors in First Commonwealth Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Commonwealth's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Commonwealth growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.37)

At this time, First Commonwealth's Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.

First Commonwealth January 26, 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.

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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