First Commonwealth Financial

Company Profile

First Commonwealth Financial had its IPO on 1992-01-19 under the ticker symbol FCF.

The company operates in the Financial Services sector and Banks-Regional industry. First Commonwealth Financial has a staff strength of 1,536 employees.

Stock update

Shares of First Commonwealth Financial opened at $12.44 at the start of the last trading session i.e. 2023-09-12.

The stocks traded within a range of $12.41 - $12.56, and closed at $12.53.

This is a +1.13% increase from the previous day's closing price.

A total volume of 389,838 shares were traded at the close of the day’s session.

In the last one week, shares of First Commonwealth Financial have slipped by -5.79%.

First Commonwealth Financial's Key Ratios

First Commonwealth Financial has a market cap of $1.40 billion, indicating a price to book ratio of 1.3049 and a price to sales ratio of 3.3462.

In the last 12-months First Commonwealth Financial’s revenue was $408.65 million with a gross profit of $389.48 million and an EBITDA of $0. The EBITDA ratio measures First Commonwealth Financial's overall financial performance and is widely used to measure its profitability.

In the trailing 12-month period, First Commonwealth Financial’s operating margin was 45.03% while its return on assets stood at 1.26% with a return of equity of 11.4%.

In Q1, First Commonwealth Financial’s quarterly earnings growth was a positive 3.4% while revenue growth was a positive 21.3%.

First Commonwealth Financial’s PE and PEG Ratio

Forward PE

8.4034

Trailing PE

9.4375

PEG

3.17

Its diluted EPS in the last 12-months stands at $1.44 per share while it has a forward price to earnings multiple of 8.4034 and a PEG multiple of 3.17. A low price to earnings ratio can mean the stock is attractively valued while a high ratio suggests the stock may be overvalued.

The PEG on the other hand provides a broader view compared to the P/E ratio and gives greater insight into First Commonwealth Financial’s profitability.

First Commonwealth Financial stock is trading at a EV to sales ratio of 0 and a EV to EBITDA ratio of 0. Its price to sales ratio in the trailing 12-months stood at 3.3462.

First Commonwealth Financial stock pays annual dividends of $0.485 per share, indicating a yield of 3.88% and a payout ratio of 35.14%.

Balance sheet and cash flow metrics

Total Assets

$11.11 billion

Total Liabilities

$278.98 million

Operating Cash Flow

$11.12 million

Capital Expenditure

$0

Dividend Payout Ratio

35.14%

First Commonwealth Financial ended 2024 with $11.11 billion in total assets and $0 in total liabilities. Its intangible assets were valued at $11.11 billion while shareholder equity stood at $1.23 billion.

First Commonwealth Financial ended 2024 with $0 in deferred long-term liabilities, $278.98 million in other current liabilities, 123603000.00 in common stock, $792.72 million in retained earnings and $360.41 million in goodwill. Its cash balance stood at $395.80 million and cash and short-term investments were $1.18 billion. The company’s total short-term debt was $278,978,000 while long-term debt stood at $187.53 million.

First Commonwealth Financial’s total current assets stands at $1.18 billion while long-term investments were $1.24 billion and short-term investments were $786.81 million. Its net receivables were $0 compared to accounts payable of $0 and inventory worth $0.

In 2024, First Commonwealth Financial's operating cash flow was $11.12 million while its capital expenditure stood at $0.

Comparatively, First Commonwealth Financial paid $0.35 in dividends in 2024.

Other key metrics

Current Trading Price

$12.53

52-Week High

$16.3587

52-Week Low

$11.33

Analyst Target Price

$15.17

First Commonwealth Financial stock is currently trading at $12.53 per share. It touched a 52-week high of $16.3587 and a 52-week low of $16.3587. Analysts tracking the stock have a 12-month average target price of $15.17.

Its 50-day moving average was $13.37 and 200-day moving average was $13.37 The short ratio stood at 3.52 indicating a short percent outstanding of 0%.

Around 173.7% of the company’s stock are held by insiders while 6632.7% are held by institutions.