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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 0.12
FCF's Cash-to-Debt is ranked lower than
93% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. FCF: 0.12 )
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: 0.3
Current: 0.12
0.04
0.3
Equity-to-Asset 0.11
FCF's Equity-to-Asset is ranked higher than
61% of the 1614 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: 0.13
Current: 0.11
0.07
0.13
Interest Coverage 4.64
FCF's Interest Coverage is ranked higher than
78% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. FCF: 4.64 )
Ranked among companies with meaningful Interest Coverage only.
FCF' s Interest Coverage Range Over the Past 10 Years
Min: 0.31  Med: 1.88 Max: 4.79
Current: 4.64
0.31
4.79
Piotroski F-Score: 7
Beneish M-Score: -2.51
WACC vs ROIC
5.29%
2.88%
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 : 8/10

vs
industry
vs
history
Operating Margin % 32.59
FCF's Operating Margin % is ranked higher than
54% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. FCF: 32.59 )
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: 33.3
Current: 32.59
-20.32
33.3
Net Margin % 22.52
FCF's Net Margin % is ranked higher than
50% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. FCF: 22.52 )
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: 22.52
Current: 22.52
-8.88
22.52
ROE % 8.06
FCF's ROE % is ranked lower than
54% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. FCF: 8.06 )
Ranked among companies with meaningful ROE % only.
FCF' s ROE % Range Over the Past 10 Years
Min: -3.11  Med: 5.96 Max: 8.11
Current: 8.06
-3.11
8.11
ROA % 0.89
FCF's ROA % is ranked higher than
50% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FCF: 0.89 )
Ranked among companies with meaningful ROA % only.
FCF' s ROA % Range Over the Past 10 Years
Min: -0.31  Med: 0.71 Max: 0.9
Current: 0.89
-0.31
0.9
3-Year Revenue Growth Rate 6.00
FCF's 3-Year Revenue Growth Rate is ranked higher than
59% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. FCF: 6.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FCF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -8.7  Med: -1.1 Max: 6
Current: 6
-8.7
6
3-Year EBITDA Growth Rate 12.90
FCF's 3-Year EBITDA Growth Rate is ranked higher than
70% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. FCF: 12.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FCF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -34.4  Med: 0.4 Max: 52.9
Current: 12.9
-34.4
52.9
3-Year EPS without NRI Growth Rate 15.90
FCF's 3-Year EPS without NRI Growth Rate is ranked higher than
72% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. FCF: 15.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FCF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -36.3  Med: 3.2 Max: 47.4
Current: 15.9
-36.3
47.4
GuruFocus has detected 5 Warning Signs with First Commonwealth Financial Corp $FCF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FCF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

FCF Guru Trades in Q4 2016

Jim Simons 996,700 sh (+24.40%)
Richard Snow 879,390 sh (+24.08%)
» 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:BNCL, NAS:HTLF, NAS:CSFL, NAS:IBTX, NAS:STBA, NAS:SRCE, AMEX:TMP, NAS:BUSE, NAS:LKFN, NAS:BRKL, NAS:PPBI, NAS:BPFH, NYSE:FBP, NAS:WSFS, NAS:HAFC, NAS:EFSC, NYSE:CUBI, NAS:WABC, NAS:SASR, NAS:CFNL » 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
PE Ratio 20.95
FCF's PE Ratio is ranked lower than
76% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. FCF: 20.95 )
Ranked among companies with meaningful PE Ratio only.
FCF' s PE Ratio Range Over the Past 10 Years
Min: 10.78  Med: 17.98 Max: 145.2
Current: 20.95
10.78
145.2
Forward PE Ratio 18.48
FCF's Forward PE Ratio is ranked lower than
72% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. FCF: 18.48 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 20.95
FCF's PE Ratio without NRI is ranked lower than
76% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. FCF: 20.95 )
Ranked among companies with meaningful PE Ratio without NRI only.
FCF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.78  Med: 17.98 Max: 145.2
Current: 20.95
10.78
145.2
Price-to-Owner-Earnings 21.47
FCF's Price-to-Owner-Earnings is ranked lower than
73% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. FCF: 21.47 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FCF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.79  Med: 16.36 Max: 41.53
Current: 21.47
9.79
41.53
PB Ratio 1.64
FCF's PB Ratio is ranked lower than
75% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FCF: 1.64 )
Ranked among companies with meaningful PB Ratio only.
FCF' s PB Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.11 Max: 2.03
Current: 1.64
0.5
2.03
PS Ratio 4.74
FCF's PS Ratio is ranked lower than
73% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. FCF: 4.74 )
Ranked among companies with meaningful PS Ratio only.
FCF' s PS Ratio Range Over the Past 10 Years
Min: 1.49  Med: 3.26 Max: 4.91
Current: 4.74
1.49
4.91
Price-to-Free-Cash-Flow 22.95
FCF's Price-to-Free-Cash-Flow is ranked lower than
71% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. FCF: 22.95 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FCF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.79  Med: 11.11 Max: 23.84
Current: 22.95
3.79
23.84
Price-to-Operating-Cash-Flow 20.83
FCF's Price-to-Operating-Cash-Flow is ranked lower than
74% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. FCF: 20.83 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FCF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.19  Med: 9.93 Max: 21.63
Current: 20.83
3.19
21.63
EV-to-EBIT 24.15
FCF's EV-to-EBIT is ranked lower than
79% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. FCF: 24.15 )
Ranked among companies with meaningful EV-to-EBIT only.
FCF' s EV-to-EBIT Range Over the Past 10 Years
Min: -148.8  Med: 30.9 Max: 78.1
Current: 24.15
-148.8
78.1
EV-to-EBITDA 22.72
FCF's EV-to-EBITDA is ranked lower than
81% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. FCF: 22.72 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -5649.6  Med: 26.8 Max: 44.8
Current: 22.72
-5649.6
44.8
PEG Ratio 0.76
FCF's PEG Ratio is ranked higher than
71% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. FCF: 0.76 )
Ranked among companies with meaningful PEG Ratio only.
FCF' s PEG Ratio Range Over the Past 10 Years
Min: 0.66  Med: 0.76 Max: 0.89
Current: 0.76
0.66
0.89
Shiller PE Ratio 33.90
FCF's Shiller PE Ratio is ranked lower than
79% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. FCF: 33.90 )
Ranked among companies with meaningful Shiller PE Ratio only.
FCF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.38  Med: 13.02 Max: 35.24
Current: 33.9
5.38
35.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.06
FCF's Dividend Yield % is ranked lower than
64% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. FCF: 2.06 )
Ranked among companies with meaningful Dividend Yield % only.
FCF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.83  Med: 3.01 Max: 9.56
Current: 2.06
0.83
9.56
Dividend Payout Ratio 0.48
FCF's Dividend Payout Ratio is ranked lower than
54% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FCF: 0.48 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FCF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.54 Max: 1.17
Current: 0.48
0.24
1.17
3-Year Dividend Growth Rate 6.80
FCF's 3-Year Dividend Growth Rate is ranked lower than
53% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. FCF: 6.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FCF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -55.5  Med: 3.3 Max: 56.5
Current: 6.8
-55.5
56.5
Forward Dividend Yield % 2.25
FCF's Forward Dividend Yield % is ranked lower than
62% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. FCF: 2.25 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.69
FCF's 5-Year Yield-on-Cost % is ranked higher than
66% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. FCF: 4.69 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FCF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.89  Med: 6.86 Max: 21.78
Current: 4.69
1.89
21.78
3-Year Average Share Buyback Ratio 2.20
FCF's 3-Year Average Share Buyback Ratio is ranked higher than
92% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. FCF: 2.20 )
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: -1.5 Max: 4.4
Current: 2.2
-12.8
4.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.27
FCF's Price-to-Tangible-Book is ranked lower than
83% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. FCF: 2.27 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FCF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.84  Med: 1.86 Max: 2.75
Current: 2.27
0.84
2.75
Price-to-Intrinsic-Value-Projected-FCF 1.00
FCF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
65% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FCF: 1.00 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FCF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.86 Max: 1.2
Current: 1
0.39
1.2
Price-to-Median-PS-Value 1.45
FCF's Price-to-Median-PS-Value is ranked lower than
76% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FCF: 1.45 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FCF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.11 Max: 1.5
Current: 1.45
0.53
1.5
Price-to-Peter-Lynch-Fair-Value 0.84
FCF's Price-to-Peter-Lynch-Fair-Value is ranked higher than
68% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FCF: 0.84 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FCF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.77  Med: 1.89 Max: 2.86
Current: 0.84
0.77
2.86
Price-to-Graham-Number 1.45
FCF's Price-to-Graham-Number is ranked lower than
82% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FCF: 1.45 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FCF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.94  Med: 1.24 Max: 1.8
Current: 1.45
0.94
1.8
Earnings Yield (Greenblatt) % 4.13
FCF's Earnings Yield (Greenblatt) % is ranked lower than
60% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. FCF: 4.13 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FCF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.3  Med: 3.2 Max: 7.3
Current: 4.13
1.3
7.3
Forward Rate of Return (Yacktman) % 30.62
FCF's Forward Rate of Return (Yacktman) % is ranked higher than
84% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. FCF: 30.62 )
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: 10.7 Max: 33.1
Current: 30.62
-7.9
33.1

More Statistics

Revenue (TTM) (Mil) $264.6
EPS (TTM) $ 0.67
Beta0.95
Short Percentage of Float5.12%
52-Week Range $8.23 - 14.61
Shares Outstanding (Mil)89.01

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.77 0.92
EPS without NRI ($) 0.77 0.92
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for FCF

Headlines

Articles On GuruFocus.com
Undervalued Stocks With Positive Performances Feb 01 2017 
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 

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