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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 0.05
FCF's Cash to Debt is ranked lower than
97% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. FCF: 0.05 )
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: 0.53
Current: 0.05
0.04
0.53
Equity to Asset 0.11
FCF's Equity to Asset is ranked higher than
61% of the 1602 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: 0.10 Max: 0.14
Current: 0.11
0.07
0.14
Interest Coverage 4.22
FCF's Interest Coverage is ranked higher than
77% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. FCF: 4.22 )
Ranked among companies with meaningful Interest Coverage only.
FCF' s Interest Coverage Range Over the Past 10 Years
Min: 0.31  Med: 0.38 Max: 4.55
Current: 4.22
0.31
4.55
F-Score: 7
M-Score: -2.28
WACC vs ROIC
3.55%
2.31%
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 (%) 27.29
FCF's Operating margin (%) is ranked lower than
60% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. FCF: 27.29 )
Ranked among companies with meaningful Operating margin (%) only.
FCF' s Operating margin (%) Range Over the Past 10 Years
Min: -20.32  Med: 22.61 Max: 29.35
Current: 27.29
-20.32
29.35
Net-margin (%) 19.28
FCF's Net-margin (%) is ranked lower than
61% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. FCF: 19.28 )
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: 19.28
-8.88
25.07
ROE (%) 6.72
FCF's ROE (%) is ranked lower than
62% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. FCF: 6.72 )
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: 6.72
-3.11
9.69
ROA (%) 0.75
FCF's ROA (%) is ranked lower than
58% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FCF: 0.75 )
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: 0.75
-0.31
0.88
Revenue Growth (3Y)(%) 4.60
FCF's Revenue Growth (3Y)(%) is ranked higher than
61% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FCF: 4.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.7  Med: -0.30 Max: 6.2
Current: 4.6
-8.7
6.2
EBITDA Growth (3Y)(%) 12.70
FCF's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FCF: 12.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.4  Med: 1.30 Max: 52.9
Current: 12.7
-34.4
52.9
EPS Growth (3Y)(%) 11.60
FCF's EPS Growth (3Y)(%) is ranked higher than
62% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FCF: 11.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -36.8  Med: 3.10 Max: 48.4
Current: 11.6
-36.8
48.4
» FCF's 10-Y Financials

Financials (Next Earnings Date: 2016-07-27)


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

» Details

Guru Trades

Q2 2015

FCF Guru Trades in Q2 2015

Paul Tudor Jones 12,000 sh (New)
Jim Simons 239,900 sh (+108.07%)
Richard Snow 504,070 sh (+67.56%)
Columbia Wanger 581,445 sh (-10.41%)
» More
Q3 2015

FCF Guru Trades in Q3 2015

Jim Simons 466,600 sh (+94.50%)
Paul Tudor Jones Sold Out
Columbia Wanger Sold Out
Richard Snow 476,022 sh (-5.56%)
» More
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
» 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
Compare:NAS:SBSI, NAS:BUSE, NAS:LKFN, NAS:STBZ, NAS:BRKL, NAS:WIBC, NAS:SRCE, NAS:STBA, NAS:HTLF, NAS:HAFC, NAS:IBTX, NAS:CSFL, NYSE:BANC, NAS:CFNL, NYSE:CPF, NAS:ORIT, NAS:NFBK, NAS:SASR, NAS:BNCN, NYSE:CUBI » 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) 17.54
FCF's P/E(ttm) is ranked lower than
73% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. FCF: 17.54 )
Ranked among companies with meaningful P/E(ttm) only.
FCF' s P/E(ttm) Range Over the Past 10 Years
Min: 11.28  Med: 17.81 Max: 142.35
Current: 17.54
11.28
142.35
Forward P/E 14.01
FCF's Forward P/E is ranked lower than
63% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. FCF: 14.01 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.54
FCF's PE(NRI) is ranked lower than
72% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. FCF: 17.54 )
Ranked among companies with meaningful PE(NRI) only.
FCF' s PE(NRI) Range Over the Past 10 Years
Min: 11.41  Med: 17.79 Max: 145.2
Current: 17.54
11.41
145.2
Price/Owner Earnings (ttm) 14.25
FCF's Price/Owner Earnings (ttm) is ranked lower than
59% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. FCF: 14.25 )
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: 15.63 Max: 41.53
Current: 14.25
9.79
41.53
P/B 1.14
FCF's P/B is ranked lower than
58% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FCF: 1.14 )
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: 1.14
0.5
2.03
P/S 3.37
FCF's P/S is ranked lower than
59% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. FCF: 3.37 )
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: 3.37
1.49
4.82
PFCF 11.86
FCF's PFCF is ranked lower than
60% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. FCF: 11.86 )
Ranked among companies with meaningful PFCF only.
FCF' s PFCF Range Over the Past 10 Years
Min: 3.79  Med: 11.29 Max: 23.56
Current: 11.86
3.79
23.56
POCF 10.98
FCF's POCF is ranked lower than
63% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. FCF: 10.98 )
Ranked among companies with meaningful POCF only.
FCF' s POCF Range Over the Past 10 Years
Min: 3.19  Med: 10.02 Max: 19.61
Current: 10.98
3.19
19.61
EV-to-EBIT 34.61
FCF's EV-to-EBIT is ranked lower than
89% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. FCF: 34.61 )
Ranked among companies with meaningful EV-to-EBIT only.
FCF' s EV-to-EBIT Range Over the Past 10 Years
Min: -148.8  Med: 31.00 Max: 78.1
Current: 34.61
-148.8
78.1
EV-to-EBITDA 31.20
FCF's EV-to-EBITDA is ranked lower than
90% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. FCF: 31.20 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -5649.6  Med: 26.80 Max: 44.8
Current: 31.2
-5649.6
44.8
PEG 0.65
FCF's PEG is ranked higher than
71% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FCF: 0.65 )
Ranked among companies with meaningful PEG only.
FCF' s PEG Range Over the Past 10 Years
Min: 0.67  Med: 0.76 Max: 0.9
Current: 0.65
0.67
0.9
Shiller P/E 22.28
FCF's Shiller P/E is ranked lower than
69% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. FCF: 22.28 )
Ranked among companies with meaningful Shiller P/E only.
FCF' s Shiller P/E Range Over the Past 10 Years
Min: 5.38  Med: 13.05 Max: 22.51
Current: 22.28
5.38
22.51

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.95
FCF's Dividend Yield is ranked higher than
50% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. FCF: 2.95 )
Ranked among companies with meaningful Dividend Yield only.
FCF' s Dividend Yield Range Over the Past 10 Years
Min: 0.83  Med: 3.09 Max: 9.56
Current: 2.95
0.83
9.56
Dividend Payout 0.51
FCF's Dividend Payout is ranked lower than
75% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FCF: 0.51 )
Ranked among companies with meaningful Dividend Payout only.
FCF' s Dividend Payout Range Over the Past 10 Years
Min: 0.06  Med: 0.67 Max: 6
Current: 0.51
0.06
6
Dividend Growth (3y) 15.90
FCF's Dividend Growth (3y) is ranked higher than
68% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 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: 3.30 Max: 56.5
Current: 15.9
-55.5
56.5
Forward Dividend Yield 2.94
FCF's Forward Dividend Yield is ranked lower than
55% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. FCF: 2.94 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 14.93
FCF's Yield on cost (5-Year) is ranked higher than
93% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. FCF: 14.93 )
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: 4.2  Med: 15.63 Max: 48.37
Current: 14.93
4.2
48.37
3-Year Average Share Buyback Ratio 3.70
FCF's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 1042 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: -4.80 Max: 4.4
Current: 3.7
-12.8
4.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.48
FCF's Price/Tangible Book is ranked lower than
68% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FCF: 1.48 )
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: 1.48
0.64
2.75
Price/Projected FCF 0.64
FCF's Price/Projected FCF is ranked higher than
54% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. FCF: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
FCF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.85 Max: 1.22
Current: 0.64
0.31
1.22
Price/Median PS Value 1.03
FCF's Price/Median PS Value is ranked lower than
54% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. FCF: 1.03 )
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: 1.10 Max: 1.55
Current: 1.03
0.46
1.55
Price/Peter Lynch Fair Value 0.88
FCF's Price/Peter Lynch Fair Value is ranked higher than
50% of the 434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FCF: 0.88 )
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: 0.7  Med: 1.99 Max: 3.55
Current: 0.88
0.7
3.55
Price/Graham Number 1.07
FCF's Price/Graham Number is ranked lower than
71% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FCF: 1.07 )
Ranked among companies with meaningful Price/Graham Number only.
FCF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.58  Med: 1.18 Max: 2.56
Current: 1.07
0.58
2.56
Earnings Yield (Greenblatt) (%) 2.91
FCF's Earnings Yield (Greenblatt) (%) is ranked lower than
81% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FCF: 2.91 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 3.10 Max: 7.3
Current: 2.91
1.3
7.3
Forward Rate of Return (Yacktman) (%) 27.62
FCF's Forward Rate of Return (Yacktman) (%) is ranked higher than
77% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. FCF: 27.62 )
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: 10.00 Max: 33.1
Current: 27.62
-7.9
33.1

More Statistics

Revenue (TTM) (Mil) $251.0
EPS (TTM) $ 0.54
Beta0.89
Short Percentage of Float2.36%
52-Week Range $7.85 - 9.95
Shares Outstanding (Mil)88.94

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.68 0.77
EPS w/o NRI ($) 0.68 0.77
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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. (Pennsylvania) breached its 50 day moving average in a Bullish... Jul 11 2016
First Commonwealth to Host Second Quarter 2016 Earnings Conference Call on Wednesday, July 27, 2016 Jul 01 2016
First Commonwealth to Host Second Quarter 2016 Earnings Conference Call on Wednesday, July 27, 2016 Jul 01 2016
First Commonwealth Financial Corp. (Pennsylvania) breached its 50 day moving average in a Bearish... Jun 27 2016
First Commonwealth Financial Corp. (Pennsylvania) breached its 50 day moving average in a Bearish... Jun 15 2016
First Commonwealth Financial Corp. (Pennsylvania) breached its 50 day moving average in a Bullish... May 19 2016
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Financials May 18 2016
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 10-Q, Quarterly Report May 09 2016
First Commonwealth Financial Corp. (Pennsylvania) breached its 50 day moving average in a Bearish... May 05 2016
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 8-K, Submission of Matters to a Vote of... May 02 2016
First Commonwealth Financial Corp. (Pennsylvania) :FCF-US: Earnings Analysis: Q1, 2016 By the... Apr 28 2016
Edited Transcript of FCF earnings conference call or presentation 27-Apr-16 6:00pm GMT Apr 27 2016
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 8-K, Results of Operations and Financial... Apr 26 2016
First Commonwealth Financial posts 1Q profit Apr 26 2016
First Commonwealth Financial posts 1Q profit Apr 26 2016
First Commonwealth Announces First Quarter 2016 Financial Results; Declares Quarterly Dividend Apr 26 2016
Q1 2016 First Commonwealth Financial Corp Earnings Release - Before Market Open Apr 26 2016
First Commonwealth Announces First Quarter 2016 Financial Results; Declares Quarterly Dividend Apr 26 2016
First Commonwealth Announces Webcast of 2016 Annual Shareholders' Meeting Apr 13 2016
First Commonwealth Announces Webcast of 2016 Annual Shareholders' Meeting Apr 13 2016

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