Saturday 17 October 2026
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First Commonwealth Financial Corporation
First Commonwealth Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $729.5 million, up 4.26% from fiscal 2024. In the quarter to June 2026, revenue grew 1.44%, EPS grew 37.5%, free cash flow fell 98.5% and total debt fell 52.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.
20.34
0.12
+0.59%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
21.18 | 24.55 | 11.19 | 13.56 | 14.39 | 11.10 | 10.34 | 10.10 | 12.17 | 11.47 |
Piotroski F-Score |
8 | 6 | 6 | 6 | 7 | 7 | 7 | 6 | 4 | 8 |
P/S ratio |
4.47 | 4.10 | 3.14 | 3.47 | 2.70 | 3.84 | 3.07 | 2.52 | 2.46 | 2.39 |
P/FCF ratio |
15.42 | 17.68 | 9.52 | 15.81 | 10.87 | 9.96 | 9.39 | 12.28 | 15.14 | 10.15 |
P/Operating CF |
42.91 | 54.12 | 28.67 | 46.32 | 30.58 | 33.71 | 30.80 | 35.90 | 127.57 | 33.63 |
P/B ratio |
1.68 | 1.53 | 1.23 | 1.35 | 1.00 | 1.39 | 1.25 | 1.20 | 1.23 | 1.12 |
Price to Tangible BV |
2.29 | 2.19 | 1.74 | 1.94 | 1.42 | 1.93 | 1.78 | 1.70 | 1.69 | 1.51 |
EV/Sales |
4.34 | 4.04 | 3.37 | 3.75 | 2.38 | 3.31 | 3.13 | 2.59 | 2.65 | 2.50 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
13.73 | 15.14 | 9.48 | 14.30 | 8.92 | 8.03 | 8.87 | 10.75 | 14.32 | 9.71 |
EV/FCF |
14.99 | 17.42 | 10.21 | 17.05 | 9.62 | 8.58 | 9.58 | 12.58 | 16.27 | 10.63 |
Quick Ratio |
0.02 | 0.02 | 0.01 | 0.02 | 0.05 | 0.05 | 0.02 | 0.02 | 0.01 | 0.02 |
Current Ratio |
0.85 | 0.87 | 0.88 | 0.91 | 0.93 | 0.88 | 0.92 | 0.92 | 0.93 | 0.95 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
1.21% | 1.20% | 2.36% | 2.82% | 2.57% | 1.91% | 1.85% | 1.63% | 2.27% | 2.12% |
Debt/Equity |
0.11 | 0.10 | 0.19 | 0.22 | 0.22 | 0.16 | 0.17 | 0.14 | 0.19 | 0.17 |
Asset Turnover |
0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
1.50 | 1.60 | 1.26 | 1.02 | 1.44 | 1.19 | 1.18 | 0.96 | 0.91 | 1.23 |
Capex/Depreciation |
(0.64) | (0.93) | (0.86) | (1.22) | (0.43) | (0.66) | (0.89) | (4.06) | (2.42) | (2.42) |
| 8.11% | 6.74% | 11.54% | 10.37% | 6.91% | 12.70% | 11.86% | 13.27% | 10.49% | 10.29% | |
| 0.90% | 0.79% | 1.42% | 1.31% | 0.85% | 1.49% | 1.32% | 1.48% | 1.24% | 1.27% | |
ROIC |
7.73% | 8.20% | 7.91% | 7.19% | 5.96% | 12.05% | 9.38% | 9.54% | 7.27% | 7.48% |
Return on Tangible Assets |
(7.49%) | (7.60%) | (15.31%) | (22.56%) | (19.30%) | (16.47%) | (22.98%) | (24.49%) | (24.09%) | (33.80%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
61.90% | 58.05% | 53.36% | 52.98% | 67.95% | 52.17% | 57.35% | 43.20% | 42.09% | 44.09% |
Intangible Assets out of Total Assets |
0.03 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(0.78) | (0.69) | (0.85) | (0.69) | (0.89) | (0.83) | (0.80) | (0.71) | (0.65) | (0.55) |
Graham Number |
11.28 | 11.03 | 15.47 | 16.08 | 13.69 | 19.46 | 18.54 | 21.18 | 20.77 | 22.32 |
Earnings Yield |
4.72% | 4.07% | 8.94% | 7.37% | 6.95% | 9.01% | 9.67% | 9.90% | 8.22% | 8.72% |
Free Cash Flow Yield |
6.49% | 5.66% | 10.50% | 6.33% | 9.20% | 10.04% | 10.65% | 8.15% | 6.61% | 9.85% |
Revenue per Share |
3.18 | 3.47 | 3.85 | 4.18 | 4.06 | 4.19 | 4.58 | 6.17 | 6.87 | 7.07 |
Operating CF per Share |
1.00 | 0.93 | 1.37 | 1.09 | 1.08 | 1.73 | 1.62 | 1.48 | 1.27 | 1.82 |
Capex per Share |
(0.08) | (0.12) | (0.10) | (0.18) | (0.08) | (0.11) | (0.12) | (0.22) | (0.15) | (0.16) |
Free Cash Flow per Share |
0.92 | 0.81 | 1.27 | 0.92 | 1.01 | 1.62 | 1.50 | 1.27 | 1.12 | 1.66 |
Cash per Share |
1.30 | 1.13 | 1.00 | 1.24 | 3.66 | 4.14 | 1.65 | 1.45 | 1.31 | 1.75 |
Shareholders Equity per Share |
8.44 | 9.33 | 9.85 | 10.74 | 10.96 | 11.61 | 11.24 | 12.94 | 13.79 | 15.06 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
8.44 | 9.33 | 9.85 | 10.74 | 10.96 | 11.61 | 11.24 | 12.94 | 13.79 | 15.06 |
Free Cash Flow |
81.78 | 76.71 | 125.66 | 90.25 | 98.08 | 154.41 | 140.21 | 128.73 | 113.92 | 171.45 |
Working Capital |
(863.46) | (806.95) | (782.61) | (604.11) | (506.15) | (960.15) | (672.81) | (762.29) | (707.91) | (564.84) |
Capital Expenditures |
(7.49) | (11.59) | (9.60) | (17.38) | (7.61) | (10.64) | (11.21) | (22.03) | (15.55) | (16.09) |
Net Current Asset Value |
(982.20) | (939.19) | (1,015.66) | (977.75) | (949.60) | (1,275.06) | (1,048.24) | (1,117.35) | (1,129.52) | (954.57) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.04 | 0.03 | 0.04 | 0.02 | 0.03 | 0.03 | 0.04 | 0.02 | 0.02 |
Price to Operating Income |
14.26 | 11.90 | 8.90 | 10.62 | 11.83 | 8.90 | 8.13 | 7.65 | 9.66 | 8.89 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.17 | 0.15 | 0.14 | 0.10 | 0.14 | 0.13 | 0.11 | 0.04 | 0.06 | 0.06 |
Cash ROIC |
8.64% | 7.08% | 9.98% | 6.39% | 5.91% | 9.15% | 10.10% | 7.81% | 6.32% | 8.59% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
97,195.97 | 93,567.17 | 53,772.13 | 43,993.53 | 82,431.02 | 190,469.49 | 164,786.61 | 23,247.96 | 15,942.87 | 18,110.29 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
4,571.65 | 5,264.06 | 5,739.35 | 6,287.80 | 7,058.14 | 7,710.58 | 7,993.98 | 8,598.89 | 9,435.16 | 9,964.49 |
Average Assets |
6,625.45 | 6,996.28 | 7,568.40 | 8,068.51 | 8,688.44 | 9,306.60 | 9,675.38 | 10,632.58 | 11,522.22 | 11,963.99 |
Average Common Equity |
734.74 | 819.03 | 931.76 | 1,015.53 | 1,062.14 | 1,088.99 | 1,080.72 | 1,183.17 | 1,359.72 | 1,479.77 |
Columns are period end dates