First Commonwealth Financial Corporation

FCF | NYSE

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$21.03

-$0.07 (-0.33%)

At close: Sep 21, 2026, 4:00 PM ET

$21.03

$0 (0.00%)

After-hours: Sep 21, 2026, 6:07 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $2.14B

Enterprise Value $2.29B

Beta 0.73

Average Volume 744.35K

Shares Outstanding (Diluted) 101.97M

Shares Change YoY -1.88%

Institutional Ownership 76.99%

Exchange NYSE

ISIN US3198291078

Price Performance

Price Change 1M -0.2%

Price Change 3M 5.2%

Price Change 6M 21.6%

Price Change YTD 25.4%

Price Change 1Y 21.2%

Price Change 3Y 76.1%

Price Change 5Y 58.4%

1M CAGR (ann.) -2.2%

1Y CAGR (ann.) 20.9%

5Y CAGR (ann.) 14.0%

All-Time CAGR 5.8%

Valuation

PE Ratio 12.90

Forward PE 10.41

PEG Ratio 0.49

Forward PEG 0.95

PS Ratio 3.44

Forward PS 3.60

PB Ratio 0.18

P/FCF Ratio 10.50

P/Adj. FCF Ratio 10.50

P/OCF Ratio 11.19

EV/Sales 3.68

EV/EBIT 19.60

EV/EBITDA 19.05

EV/FCF 11.25

Earnings Yield 7.8%

FCF Yield 9.5%

Adj. FCF Yield 9.5%

Financial Health

Net Debt $152.7M

Total Debt $263.03M

Cash & Short-Term Investments $1.24B

Total Assets $12.21B

Current Ratio 0.17

Quick Ratio 0.17

Debt / Equity Ratio 0.17

Debt / EBITDA 2.19

Debt / FCF 1.29

OCF / Debt 0.83

Interest Coverage 0.59

Altman Z-Score -0.76

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 62.8%

Operating Profit Margin 18.8%

EBITDA Margin 19.3%

Net Profit Margin 27.0%

FCF Margin 32.7%

Adj. FCF Margin 32.7%

SBC / Revenue 0.0%

SBC Impact (per share) N/A

Returns

Return on Assets 1.4%

Return on Equity 10.8%

Return on Invested Capital 4.8%

Return on Capital Employed 6.5%

Return on Tangible Assets 1.4%

Historical Growth (CAGR)

Revenue CAGR 3Y 5.8%

Revenue CAGR 5Y 9.3%

Revenue CAGR 10Y 8.7%

EPS CAGR 3Y 4.0%

EPS CAGR 5Y 6.5%

EPS CAGR 10Y 12.1%

FCF CAGR 3Y 12.6%

FCF CAGR 5Y 11.6%

FCF CAGR 10Y 11.1%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 18

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 26, 2026

EPS Estimate (next Q) $0.45

EPS Growth Est (next Q) 15.4%

Revenue Est (next Q) $141.37M

Revenue Growth Est (next Q) 4.0%

Fair Value Estimates

Graham Number $23.76

Graham Upside 13.0%

Lynch Fair Value $10.58

Lynch Upside -49.7%

Price Target $31.50

Price Target Upside 49.8%

Cash Flow

Operating Cash Flow $218.48M

Free Cash Flow $203.72M

Adj. Free Cash Flow $203.72M

FCF Per Share $1.76

OCF Per Share $1.88

OCF/S Ratio 30.8%

Income Statement

Revenue $622.49M

Gross Profit $390.9M

Operating Income $116.89M

EBITDA $120.27M

Net Income $168.34M

EPS (Diluted) $1.63

Revenue / Employee $391.75K

Profit / Employee $105.94K

Employees 1,589

Dividends

Annual Dividend $0.55

Dividend Yield 2.62%

Payout Ratio 33.7%

FCF Payout Ratio 27.5%

Adj. FCF Payout Ratio 27.5%

Dividend Growth (YoY) 3.8%

Pay Frequency Quarterly

Ex-Dividend Date Aug 6, 2026