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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.06
FCF's Cash to Debt is ranked lower than
97% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. FCF: 0.06 )
Ranked among companies with meaningful Cash to Debt only.
FCF' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.09 Max: 0.42
Current: 0.06
0.04
0.42
Equity to Asset 0.11
FCF's Equity to Asset is ranked higher than
60% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FCF: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
FCF' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.14
Current: 0.11
0.07
0.14
Interest Coverage 4.03
FCF's Interest Coverage is ranked higher than
75% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FCF: 4.03 )
Ranked among companies with meaningful Interest Coverage only.
FCF' s Interest Coverage Range Over the Past 10 Years
Min: 0.31  Med: 0.37 Max: 4.55
Current: 4.03
0.31
4.55
F-Score: 6
M-Score: -2.34
WACC vs ROIC
4.21%
2.38%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 28.56
FCF's Operating margin (%) is ranked lower than
56% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. FCF: 28.56 )
Ranked among companies with meaningful Operating margin (%) only.
FCF' s Operating margin (%) Range Over the Past 10 Years
Min: -20.32  Med: 22.73 Max: 29.35
Current: 28.56
-20.32
29.35
Net-margin (%) 20.11
FCF's Net-margin (%) is ranked lower than
58% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. FCF: 20.11 )
Ranked among companies with meaningful Net-margin (%) only.
FCF' s Net-margin (%) Range Over the Past 10 Years
Min: -8.88  Med: 17.56 Max: 25.07
Current: 20.11
-8.88
25.07
ROE (%) 7.05
FCF's ROE (%) is ranked lower than
60% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. FCF: 7.05 )
Ranked among companies with meaningful ROE (%) only.
FCF' s ROE (%) Range Over the Past 10 Years
Min: -3.11  Med: 5.96 Max: 9.69
Current: 7.05
-3.11
9.69
ROA (%) 0.78
FCF's ROA (%) is ranked lower than
58% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. FCF: 0.78 )
Ranked among companies with meaningful ROA (%) only.
FCF' s ROA (%) Range Over the Past 10 Years
Min: -0.31  Med: 0.71 Max: 0.88
Current: 0.78
-0.31
0.88
Revenue Growth (3Y)(%) 4.50
FCF's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FCF: 4.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.7  Med: -1.6 Max: 5.9
Current: 4.5
-8.7
5.9
EBITDA Growth (3Y)(%) 12.30
FCF's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FCF: 12.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.4  Med: -0.7 Max: 52.9
Current: 12.3
-34.4
52.9
EPS Growth (3Y)(%) 11.90
FCF's EPS Growth (3Y)(%) is ranked higher than
64% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FCF: 11.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -36.3  Med: 3.2 Max: 47.4
Current: 11.9
-36.3
47.4
» FCF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

FCF Guru Trades in Q4 2015

Richard Snow 816,962 sh (+71.62%)
Jim Simons 594,480 sh (+27.41%)
» More
Q1 2016

FCF Guru Trades in Q1 2016

Jim Simons 579,500 sh (-2.52%)
Richard Snow 659,412 sh (-19.28%)
» More
Q2 2016

FCF Guru Trades in Q2 2016

Jim Simons 696,200 sh (+20.14%)
Richard Snow 694,412 sh (+5.31%)
» More
Q3 2016

FCF Guru Trades in Q3 2016

Jim Simons 801,200 sh (+15.08%)
Richard Snow 708,709 sh (+2.06%)
» More
» Details

Insider Trades

Latest Guru Trades with FCF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:IBTX, NAS:HTLF, NAS:LKFN, NAS:BRKL, NAS:BUSE, NAS:CSFL, NAS:CFNL, NAS:HAFC, NAS:SRCE, NAS:SBSI, NAS:STBA, NAS:SYBT, NAS:STBZ, NYSE:CPF, NAS:BPFH, NYSE:CUBI, NAS:CHCO, NAS:BANF, AMEX:TMP, NAS:BNCL » details
Traded in other countries:FCF.Germany,
First Commonwealth Financial Corp is a financial holding company. The Company provides consumer and commercial banking services through its bank subsidiary, First Commonwealth Bank. The Company also provides trust and wealth management services.

First Commonwealth Financial Corp was incorporated in Pennsylvania on November 15, 1982. It is a financial holding company which provides consumer and commercial banking services through its bank subsidiary, First Commonwealth Bank. It also provides trust and wealth management services and offer insurance products through FCB and its other operating subsidiaries. The Bank oerates 110 community banking offices throughout western and central Pennsylvania and a loan production office in downtown Pittsburgh, Pennsylvania. The Bank also operates a network of 115 automated teller machines, at various branch offices and offsite locations. All of its ATMs are part of the NYCE and MasterCard/Cirrus networks, both of which operate nationwide. The Bank is a member of the Allpoint ATM network which allows surcharge-free access to over 55,000 ATMs. The Bank is also a member of the "Freedom ATM Alliance," which affords cardholders surcharge-free access to a network of over 670 ATMs in over 50 counties in Pennsylvania, Maryland, New York, West Virginia and Ohio. The Company faces competition for customers, loans and deposits from many companies, including commercial banks, savings and loan associations, finance companies, credit unions, trust companies, mortgage companies, money market mutual funds, insurance companies, and brokerage and investment firms.

Ratios

vs
industry
vs
history
P/E(ttm) 23.81
FCF's P/E(ttm) is ranked lower than
79% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. FCF: 23.81 )
Ranked among companies with meaningful P/E(ttm) only.
FCF' s P/E(ttm) Range Over the Past 10 Years
Min: 10.78  Med: 17.9 Max: 145.2
Current: 23.81
10.78
145.2
Forward P/E 18.66
FCF's Forward P/E is ranked lower than
72% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. FCF: 18.66 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 23.81
FCF's PE(NRI) is ranked lower than
79% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. FCF: 23.81 )
Ranked among companies with meaningful PE(NRI) only.
FCF' s PE(NRI) Range Over the Past 10 Years
Min: 10.78  Med: 17.9 Max: 145.2
Current: 23.81
10.78
145.2
Price/Owner Earnings (ttm) 23.44
FCF's Price/Owner Earnings (ttm) is ranked lower than
76% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. FCF: 23.44 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FCF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.79  Med: 16.15 Max: 41.53
Current: 23.44
9.79
41.53
P/B 1.64
FCF's P/B is ranked lower than
72% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FCF: 1.64 )
Ranked among companies with meaningful P/B only.
FCF' s P/B Range Over the Past 10 Years
Min: 0.5  Med: 1.11 Max: 2.03
Current: 1.64
0.5
2.03
P/S 4.73
FCF's P/S is ranked lower than
71% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. FCF: 4.73 )
Ranked among companies with meaningful P/S only.
FCF' s P/S Range Over the Past 10 Years
Min: 1.49  Med: 3.26 Max: 4.82
Current: 4.73
1.49
4.82
PFCF 16.70
FCF's PFCF is ranked lower than
61% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. FCF: 16.70 )
Ranked among companies with meaningful PFCF only.
FCF' s PFCF Range Over the Past 10 Years
Min: 3.79  Med: 11.12 Max: 23.56
Current: 16.7
3.79
23.56
POCF 15.31
FCF's POCF is ranked lower than
64% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FCF: 15.31 )
Ranked among companies with meaningful POCF only.
FCF' s POCF Range Over the Past 10 Years
Min: 3.19  Med: 9.94 Max: 19.61
Current: 15.31
3.19
19.61
EV-to-EBIT 34.79
FCF's EV-to-EBIT is ranked lower than
88% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. FCF: 34.79 )
Ranked among companies with meaningful EV-to-EBIT only.
FCF' s EV-to-EBIT Range Over the Past 10 Years
Min: -148.8  Med: 31.1 Max: 78.1
Current: 34.79
-148.8
78.1
EV-to-EBITDA 31.73
FCF's EV-to-EBITDA is ranked lower than
88% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. FCF: 31.73 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -5649.6  Med: 27.4 Max: 44.8
Current: 31.73
-5649.6
44.8
PEG 0.86
FCF's PEG is ranked higher than
66% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. FCF: 0.86 )
Ranked among companies with meaningful PEG only.
FCF' s PEG Range Over the Past 10 Years
Min: 0.66  Med: 0.75 Max: 0.95
Current: 0.86
0.66
0.95
Shiller P/E 33.28
FCF's Shiller P/E is ranked lower than
77% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. FCF: 33.28 )
Ranked among companies with meaningful Shiller P/E only.
FCF' s Shiller P/E Range Over the Past 10 Years
Min: 5.38  Med: 12.99 Max: 33.4
Current: 33.28
5.38
33.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.03
FCF's Dividend Yield is ranked lower than
62% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. FCF: 2.03 )
Ranked among companies with meaningful Dividend Yield only.
FCF' s Dividend Yield Range Over the Past 10 Years
Min: 0.83  Med: 3.05 Max: 9.56
Current: 2.03
0.83
9.56
Dividend Payout 0.48
FCF's Dividend Payout is ranked lower than
56% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FCF: 0.48 )
Ranked among companies with meaningful Dividend Payout only.
FCF' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.67 Max: 6
Current: 0.48
0.07
6
Dividend Growth (3y) 15.90
FCF's Dividend Growth (3y) is ranked higher than
69% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. FCF: 15.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FCF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -55.5  Med: 3.3 Max: 56.5
Current: 15.9
-55.5
56.5
Forward Dividend Yield 2.03
FCF's Forward Dividend Yield is ranked lower than
66% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. FCF: 2.03 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 9.11
FCF's Yield on cost (5-Year) is ranked higher than
89% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FCF: 9.11 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FCF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.71  Med: 13.63 Max: 42.71
Current: 9.11
3.71
42.71
3-Year Average Share Buyback Ratio 3.70
FCF's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FCF: 3.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FCF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.8  Med: -4.8 Max: 4.4
Current: 3.7
-12.8
4.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.09
FCF's Price/Tangible Book is ranked lower than
79% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FCF: 2.09 )
Ranked among companies with meaningful Price/Tangible Book only.
FCF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.64  Med: 1.81 Max: 2.75
Current: 2.09
0.64
2.75
Price/Projected FCF 0.94
FCF's Price/Projected FCF is ranked lower than
62% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. FCF: 0.94 )
Ranked among companies with meaningful Price/Projected FCF only.
FCF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.84 Max: 1.22
Current: 0.94
0.31
1.22
Price/Median PS Value 1.46
FCF's Price/Median PS Value is ranked lower than
74% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FCF: 1.46 )
Ranked among companies with meaningful Price/Median PS Value only.
FCF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.46  Med: 1.08 Max: 1.55
Current: 1.46
0.46
1.55
Price/Peter Lynch Fair Value 0.98
FCF's Price/Peter Lynch Fair Value is ranked higher than
62% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FCF: 0.98 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FCF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.69  Med: 1.79 Max: 3.55
Current: 0.98
0.69
3.55
Price/Graham Number 1.49
FCF's Price/Graham Number is ranked lower than
79% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. FCF: 1.49 )
Ranked among companies with meaningful Price/Graham Number only.
FCF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.57  Med: 1.18 Max: 2.56
Current: 1.49
0.57
2.56
Earnings Yield (Greenblatt) (%) 2.86
FCF's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FCF: 2.86 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 3.1 Max: 7.3
Current: 2.86
1.3
7.3
Forward Rate of Return (Yacktman) (%) 29.92
FCF's Forward Rate of Return (Yacktman) (%) is ranked higher than
82% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. FCF: 29.92 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FCF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -7.9  Med: 10.5 Max: 33.1
Current: 29.92
-7.9
33.1

More Statistics

Revenue (TTM) (Mil) $257.3
EPS (TTM) $ 0.58
Beta0.79
Short Percentage of Float4.52%
52-Week Range $7.85 - 13.87
Shares Outstanding (Mil)88.95

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.68 0.74 0.90
EPS w/o NRI ($) 0.68 0.74 0.90
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for FCF

Headlines

Articles On GuruFocus.com
68 Top Dividend Stocks with Ex-Dividend Date in August 2013 Jul 29 2013 
First Commonwealth Financial Corp. Reports Operating Results (10-K) Mar 03 2011 
First Commonwealth Financial Corp. (FCF) Chairman David S Dahlmann buys 3,000 Shares Aug 06 2010 
First Commonwealth Financial Corp. (FCF) CEO John J Dolan buys 4,000 Shares May 10 2010 
First Commonwealth Financial Corp. Reports Operating Results (10-Q) May 10 2010 
First Commonwealth Financial Corp. (FCF) CFO Robert E Rout buys 7,000 Shares Mar 03 2010 
First Commonwealth Financial Corp. (fcf) CFO Robert E Rout buys 3,000 Shares Mar 02 2010 
First Commonwealth Financial Corp. (FCF) Chairman David S Dahlmann buys 947 Shares Jan 20 2010 
First Commonwealth Financial Corp. (FCF) Chairman of the Board David S Dahlmann buys 10,000 Shares Dec 03 2009 
First Commonwealth Financial Corp. (FCF) CEO John J Dolan buys 5,000 Shares Nov 10 2009 

More From Other Websites
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 8-K, Other Events, Financial Statements and... Dec 05 2016
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Edited Transcript of FCF earnings conference call or presentation 26-Oct-16 6:00pm GMT Oct 26 2016
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 8-K, Results of Operations and Financial... Oct 26 2016
First Commonwealth Announces Third Quarter 2016 Financial Results; Declares Quarterly Dividend Oct 26 2016
First Commonwealth Financial posts 3Q profit Oct 26 2016
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First Commonwealth Announces Third Quarter 2016 Financial Results; Declares Quarterly Dividend Oct 26 2016
Why First Commonwealth Financial (FCF) Stock Might be a Great Pick Oct 24 2016
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