Is First Commonwealth Stock a Good Investment?
First Commonwealth Investment Advice | FCF |
- Examine First Commonwealth's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research First Commonwealth's leadership team and their track record. Good management can help First Commonwealth navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact First Commonwealth's business and its evolving consumer preferences.
- Compare First Commonwealth's performance and market position to its competitors. Analyze how First Commonwealth is positioned in terms of product offerings, innovation, and market share.
- Check if First Commonwealth pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about First Commonwealth's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in First Commonwealth Financial stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if First Commonwealth Financial is a good investment.
Sell | Buy |
Hold
Market Performance | Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine First Commonwealth Stock
Researching First Commonwealth's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 76.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.21. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Commonwealth last dividend was issued on the 8th of November 2024. The entity had 2:1 split on the 19th of November 1999.
To determine if First Commonwealth is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding First Commonwealth's research are outlined below:
| First Commonwealth has a poor financial position based on the latest SEC disclosures | |
| Over 76.0% of the company shares are owned by institutional investors | |
| Latest headline from MacroaxisInsider: Acquisition by Matthew Tomb of 5700 shares of First Commonwealth subject to Rule 16b-3 |
First Commonwealth Quarterly Liabilities And Stockholders Equity |
|
First Commonwealth uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in First Commonwealth Financial. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to First Commonwealth's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 30th of January 2024 Upcoming Quarterly Report | View | |
| 23rd of April 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 30th of January 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact First Commonwealth's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises First Commonwealth's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2011-04-20 | 2011-03-31 | 0.08 | 0.07 | -0.01 | 12 | ||
2017-10-25 | 2017-09-30 | 0.2 | 0.22 | 0.02 | 10 | ||
2016-10-26 | 2016-09-30 | 0.17 | 0.19 | 0.02 | 11 | ||
2016-07-27 | 2016-06-30 | 0.16 | 0.14 | -0.02 | 12 | ||
2015-10-28 | 2015-09-30 | 0.16 | 0.14 | -0.02 | 12 | ||
2014-01-29 | 2013-12-31 | 0.08 | 0.1 | 0.02 | 25 | ||
2013-01-30 | 2012-12-31 | 0.11 | 0.09 | -0.02 | 18 | ||
2012-10-24 | 2012-09-30 | 0.12 | 0.1 | -0.02 | 16 |
First Commonwealth Target Price Consensus
First target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. First Commonwealth's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 6 | Buy |
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of First Commonwealth, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationFirst Commonwealth Target Price Projection
First Commonwealth's current and average target prices are 16.68 and 20.30, respectively. The current price of First Commonwealth is the price at which First Commonwealth Financial is currently trading. On the other hand, First Commonwealth's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
First Commonwealth Market Quote on 2nd of February 2025
Target Price
Analyst Consensus On First Commonwealth Target Price
First Commonwealth Analyst Ratings
First Commonwealth's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about First Commonwealth stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of First Commonwealth's financials, market performance, and future outlook by experienced professionals. First Commonwealth's historical ratings below, therefore, can serve as a valuable tool for investors.Know First Commonwealth's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as First Commonwealth is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading First Commonwealth Financial backward and forwards among themselves. First Commonwealth's institutional investor refers to the entity that pools money to purchase First Commonwealth's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Northern Trust Corp | 2024-09-30 | 1.3 M | Jpmorgan Chase & Co | 2024-09-30 | 1.3 M | Waldron, Lp | 2024-12-31 | 1.2 M | Bank Of New York Mellon Corp | 2024-09-30 | 1.1 M | First Trust Advisors L.p. | 2024-09-30 | 1.1 M | Goldman Sachs Group Inc | 2024-09-30 | 1 M | First Commonwealth Financial Corp | 2024-09-30 | 925.6 K | Amvescap Plc. | 2024-09-30 | 848.1 K | Thrivent Financial For Lutherans | 2024-09-30 | 612.8 K | Blackrock Inc | 2024-09-30 | 15 M | Vanguard Group Inc | 2024-09-30 | 11.8 M |
First Commonwealth's market capitalization trends
The company currently falls under 'Mid-Cap' category with a total capitalization of 1.7 B.Market Cap |
|
First Commonwealth's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.02 | 0.01 | |
| Return On Capital Employed | 0.04 | 0.04 | |
| Return On Assets | 0.02 | 0.01 | |
| Return On Equity | 0.14 | 0.10 |
Determining First Commonwealth's profitability involves analyzing its financial statements and using various financial metrics to determine if First Commonwealth is a good buy. For example, gross profit margin measures First Commonwealth's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of First Commonwealth's profitability and make more informed investment decisions.
Evaluate First Commonwealth's management efficiency
First Commonwealth has Return on Asset of 0.0129 % which means that on every $100 spent on assets, it made $0.0129 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1144 %, implying that it generated $0.1144 on every 100 dollars invested. First Commonwealth's management efficiency ratios could be used to measure how well First Commonwealth manages its routine affairs as well as how well it operates its assets and liabilities. The current Return On Tangible Assets is estimated to decrease to 0.01. The current Return On Capital Employed is estimated to decrease to 0.04. At this time, First Commonwealth's Non Currrent Assets Other are most likely to increase significantly in the upcoming years. The First Commonwealth's current Intangible Assets is estimated to increase to about 27.6 M, while Total Current Assets are projected to decrease to roughly 321.6 M.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 11.65 | 6.16 | |
| Tangible Book Value Per Share | 8.22 | 4.93 | |
| Enterprise Value Over EBITDA | 9.11 | 8.65 | |
| Price Book Value Ratio | 1.38 | 1.71 | |
| Enterprise Value Multiple | 9.11 | 8.65 | |
| Price Fair Value | 1.38 | 1.71 | |
| Enterprise Value | 2 B | 1.4 B |
First Commonwealth showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.
Basic technical analysis of First Stock
As of the 2nd of February, First Commonwealth shows the Downside Deviation of 1.85, coefficient of variation of 5396.14, and Mean Deviation of 1.43. First Commonwealth technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices. Please confirm First Commonwealth treynor ratio, as well as the relationship between the potential upside and expected short fall to decide if First Commonwealth is priced favorably, providing market reflects its regular price of 16.68 per share. Given that First Commonwealth has jensen alpha of 0.003, we urge you to verify First Commonwealth Financial's prevailing market performance to make sure the company can sustain itself at a future point.First Commonwealth's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First Commonwealth insiders, such as employees or executives, is commonly permitted as long as it does not rely on First Commonwealth's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First Commonwealth insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
First Commonwealth's Outstanding Corporate Bonds
First Commonwealth issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First Commonwealth uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First Commonwealth Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| HSBC Holdings PLC Corp BondUS404280DR76 | View |
Understand First Commonwealth's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing First Commonwealth's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0224 | |||
| Market Risk Adjusted Performance | 0.0844 | |||
| Mean Deviation | 1.43 | |||
| Semi Deviation | 1.76 | |||
| Downside Deviation | 1.85 | |||
| Coefficient Of Variation | 5396.14 | |||
| Standard Deviation | 2.64 | |||
| Variance | 6.98 | |||
| Information Ratio | (0.01) | |||
| Jensen Alpha | 0.003 | |||
| Total Risk Alpha | (0.18) | |||
| Sortino Ratio | (0.02) | |||
| Treynor Ratio | 0.0744 | |||
| Maximum Drawdown | 21.65 | |||
| Value At Risk | (3.17) | |||
| Potential Upside | 3.34 | |||
| Downside Variance | 3.42 | |||
| Semi Variance | 3.08 | |||
| Expected Short fall | (1.68) | |||
| Skewness | 3.52 | |||
| Kurtosis | 21.73 |
| Risk Adjusted Performance | 0.0224 | |||
| Market Risk Adjusted Performance | 0.0844 | |||
| Mean Deviation | 1.43 | |||
| Semi Deviation | 1.76 | |||
| Downside Deviation | 1.85 | |||
| Coefficient Of Variation | 5396.14 | |||
| Standard Deviation | 2.64 | |||
| Variance | 6.98 | |||
| Information Ratio | (0.01) | |||
| Jensen Alpha | 0.003 | |||
| Total Risk Alpha | (0.18) | |||
| Sortino Ratio | (0.02) | |||
| Treynor Ratio | 0.0744 | |||
| Maximum Drawdown | 21.65 | |||
| Value At Risk | (3.17) | |||
| Potential Upside | 3.34 | |||
| Downside Variance | 3.42 | |||
| Semi Variance | 3.08 | |||
| Expected Short fall | (1.68) | |||
| Skewness | 3.52 | |||
| Kurtosis | 21.73 |
Consider First Commonwealth's intraday indicators
First Commonwealth intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First Commonwealth stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
First Commonwealth Corporate Filings
F4 | 31st of January 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
| 29th of January 2025 Other Reports | ViewVerify | |
8K | 28th of January 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F5 | 24th of January 2025 The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners | ViewVerify |
First Stock media impact
Far too much social signal, news, headlines, and media speculation about First Commonwealth that are available to investors today. That information is available publicly through First media outlets and privately through word of mouth or via First internal channels. However, regardless of the origin, that massive amount of First data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of First Commonwealth news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of First Commonwealth relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to First Commonwealth's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive First Commonwealth alpha.
First Commonwealth Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards First Commonwealth can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
First Commonwealth Corporate Directors
| Johnston Glass | Independent Director | Profile | |
| Ray Charley | Independent Director | Profile | |
| Julie Caponi | Independent Director | Profile | |
| Aradhna Oliphant | Independent Director | Profile |
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 main economic indicators. You can also try the Commodity Directory module to find actively traded commodities issued by global exchanges.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Commonwealth. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Commonwealth listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.18) | Earnings Share 1.39 | Revenue Per Share | Quarterly Revenue Growth (0.05) | Return On Assets |
The market value of First Commonwealth is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Commonwealth's value that differs from its market value or its book value, called intrinsic value, which is First Commonwealth's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Commonwealth's market value can be influenced by many factors that don't directly affect First Commonwealth's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between First Commonwealth's value and its price, as these two are different measures arrived at by various means. Investors typically determine if First Commonwealth is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Commonwealth's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.