| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | 2 | — | — | 1 | — | — | 1 | — | — | — | — |
| Sell | 1 | 1 | 1 | 1 | 3 | 1 | 2 | 2 | 2 | 1 | 3 | 1 |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 0.56 |
—
—
—
|
| 2025 | 0.54 |
—
—
—
—
|
| 2024 | 0.52 |
—
—
—
—
|
| 2023 | 0.50 |
—
—
—
—
|
| 2022 | 0.48 |
—
—
—
—
|
| 2021 | 0.46 |
—
—
—
—
|
| 2020 | 0.44 |
—
—
—
—
|
| 2019 | 0.40 |
—
—
—
—
|
| 2018 | 0.35 |
—
—
—
—
|
| 2017 | 0.32 |
—
—
—
—
|
| 2016 | 0.28 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 146.99 | 133.41 | 180.36 | 179.64 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 9,027.86 | 9,050.25 | 9,834.09 | 9,564.20 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 9,192.31 | 9,678.02 | 10,250.97 | 10,260.06 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 9,790.14 | 9,758.16 | 10,398.93 | 10,398.01 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 181.81 | 186.32 | — | — |
—
|
| ’25 | 169.63 | 183.68 | 187.57 | 188.64 |
729.51
|
| ’24 | 169.45 | 175.89 | 179.02 | 175.33 |
699.69
|
| ’23 | 137.55 | 155.79 | 164.71 | 168.55 |
626.61
|
| ’22 | 95.22 | 101.24 | 111.61 | 120.59 |
428.66
|
| ’21 | 101.42 | 98.14 | 101.44 | 99.60 |
400.60
|
| ’20 | 98.60 | 96.79 | 100.36 | 99.93 |
395.69
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 86.83 | 3.64 | — | — |
—
|
| ’25 | 55.89 | 30.41 | 49.50 | 51.75 |
187.54
|
| ’24 | 39.65 | 22.69 | 53.61 | 13.52 |
129.46
|
| ’23 | 38.60 | 47.74 | 20.40 | 44.02 |
150.76
|
| ’22 | 31.20 | 29.17 | 48.31 | 42.73 |
151.41
|
| ’21 | 51.23 | 22.09 | 46.10 | 45.62 |
165.05
|
| ’20 | 33.12 | 18.08 | 19.63 | 34.88 |
105.70
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 82.46 | 0.38 | — | — |
—
|
| ’25 | 50.86 | 25.03 | 45.97 | 49.59 |
171.45
|
| ’24 | 34.60 | 19.35 | 50.23 | 9.74 |
113.92
|
| ’23 | 29.17 | 43.96 | 14.60 | 41.01 |
128.73
|
| ’22 | 26.78 | 26.23 | 47.63 | 39.56 |
140.21
|
| ’21 | 48.91 | 20.51 | 43.95 | 41.04 |
154.41
|
| ’20 | 29.46 | 16.37 | 18.43 | 33.83 |
98.08
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.37 | 0.44 | — | — |
—
|
| ’25 | 0.32 | 0.32 | 0.39 | 0.43 |
1.47
|
| ’24 | 0.37 | 0.36 | 0.31 | 0.35 |
1.39
|
| ’23 | 0.30 | 0.42 | 0.38 | 0.44 |
1.54
|
| ’22 | 0.29 | 0.33 | 0.36 | 0.38 |
1.37
|
| ’21 | 0.41 | 0.31 | 0.36 | 0.37 |
1.44
|
| ’20 | 0.05 | 0.24 | 0.20 | 0.27 |
0.75
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 12.76 | 11.16 | 12.41 | 13.54 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 17.63 | 16.53 | 19.96 | 18.28 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,477 | 1,504 | 1,545 | 1,577 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.29 | 0.42 | 0.45 | 0.46 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 428.66 | 626.61 | 699.69 | 729.51 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 95.86% | 76.97% | 68.33% | 71.68% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 160.19 | 197.56 | 178.21 | 191.36 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 37.37% | 31.53% | 25.47% | 26.23% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 128.18 | 157.06 | 142.57 | 152.30 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 12.58 | 5.43 | 6.43 | 6.65 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.58 | 6.17 | 6.87 | 7.07 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 1.37 | 1.54 | 1.40 | 1.47 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.62 | 1.48 | 1.27 | 1.82 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.12) | (0.22) | (0.15) | (0.16) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.50 | 1.27 | 1.12 | 1.66 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 11.24 | 12.94 | 13.79 | 15.06 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 93.61 | 101.56 | 101.91 | 103.22 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.34 | 10.10 | 12.17 | 11.47 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.07 | 2.52 | 2.46 | 2.39 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.25 | 1.20 | 1.23 | 1.12 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.02 | 3.46 | 3.44 | 3.25 | ‡‡‡‡ | ‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 12.28 | 16.86 | 21.10 | 13.83 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 151.41 | 150.76 | 129.46 | 187.54 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (11.21) | (22.03) | (15.55) | (16.09) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 140.21 | 128.73 | 113.92 | 171.45 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (672.81) | (762.29) | (707.91) | (564.84) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 559.22 | 186.76 | 262.99 | 261.74 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 404.98 | 39.76 | 129.58 | 81.38 | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,052.07 | 1,314.27 | 1,405.17 | 1,554.38 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.32% | 1.48% | 1.24% | 1.27% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6.94% | 9.54% | 7.27% | 7.48% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 11.86% | 13.27% | 10.49% | 10.29% | — | — | — |
ROE
|
First Commonwealth Financial Corporation (FCF), a resilient regional bank serving Pennsylvania and nearby markets, has thrived amid COVID-19 turbulence and 2023 banking crises like Silicon Valley Bank’s collapse. Revenues surged from $282 million in 2016 to $700 million in 2024 (CAGR ~7%, accelerating post-FM Bankshares acquisition), driven by operational efficiency—revenue per employee jumped 56% to $453,000 and per share 50% to $6.87—while headcount rose modestly. This buffered against net interest margin pressures from Fed rate hikes, with gross margins dipping but analyst forecasts signaling cyclical recovery to $594 million by 2027.
Profitability remains robust, with ROE at 10.5% (above peers), EPS climbing to $1.40 in 2024 from $0.67 in 2016, and free cash flow per share at $1.12 supporting annual dividend hikes. Balance sheet strength shines through 72% debt reduction to $263 million, equity at $1.41 billion, and low net debt, enabling outperformance versus the KBW Regional Banking Index. Stock price reflects fundamentals, with yearly lows up 58% over a decade and recent close near highs, trading at attractive 12.2x trailing P/E and 1.23x P/B.
Analyst targets imply 10-15% upside plus 3-4% yield, backed by insider buys amid routine selling and projections for EPS to $1.96 by 2027. While high rates, CRE risks, and recession loom, FCF’s deposit-heavy model and M&A scale position it for 10-20% returns over 2-3 years—echoing top regional performers like early-2010s KeyCorp.
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