First Commonwealth Financial Corporation

FCF Financial Banks Regional

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%
Market cap
$2.0B
P/E
12.4×
Fwd P/E
11.1×
Dividend yield
2.70%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
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)
ROE
8.11% 6.74% 11.54% 10.37% 6.91% 12.70% 11.86% 13.27% 10.49% 10.29%
ROA
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

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Columns are period end dates