Switch to:

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.05
FCF's Cash to Debt is ranked lower than
97% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FCF: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
FCF' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.09 Max: 0.79
Current: 0.05
0.05
0.79
Equity to Asset 0.11
FCF's Equity to Asset is ranked higher than
62% of the 1355 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 10-Year Equity to Asset Range
Min: 0.07  Med: 0.10 Max: 0.14
Current: 0.11
0.07
0.14
Interest Coverage 3.36
FCF's Interest Coverage is ranked higher than
70% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FCF: 3.36 )
Ranked among companies with meaningful Interest Coverage only.
FCF' s 10-Year Interest Coverage Range
Min: 0.31  Med: 0.43 Max: 3.36
Current: 3.36
0.31
3.36
F-Score: 5
WACC vs ROIC
5.73%
2.56%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 27.45
FCF's Operating margin (%) is ranked lower than
58% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. FCF: 27.45 )
Ranked among companies with meaningful Operating margin (%) only.
FCF' s 10-Year Operating margin (%) Range
Min: -20.32  Med: 27.92 Max: 40.83
Current: 27.45
-20.32
40.83
Net-margin (%) 19.49
FCF's Net-margin (%) is ranked lower than
59% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. FCF: 19.49 )
Ranked among companies with meaningful Net-margin (%) only.
FCF' s 10-Year Net-margin (%) Range
Min: -8.88  Med: 22.40 Max: 29.84
Current: 19.49
-8.88
29.84
ROE (%) 6.70
FCF's ROE (%) is ranked lower than
63% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. FCF: 6.70 )
Ranked among companies with meaningful ROE (%) only.
FCF' s 10-Year ROE (%) Range
Min: -3.11  Med: 9.41 Max: 16.51
Current: 6.7
-3.11
16.51
ROA (%) 0.76
FCF's ROA (%) is ranked lower than
57% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FCF: 0.76 )
Ranked among companies with meaningful ROA (%) only.
FCF' s 10-Year ROA (%) Range
Min: -0.31  Med: 0.86 Max: 1.5
Current: 0.76
-0.31
1.5
Revenue Growth (3Y)(%) 3.70
FCF's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FCF: 3.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.7  Med: -0.40 Max: 7.8
Current: 3.7
-8.7
7.8
EBITDA Growth (3Y)(%) 52.10
FCF's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FCF: 52.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -34.3  Med: 0.40 Max: 52.1
Current: 52.1
-34.3
52.1
EPS Growth (3Y)(%) 47.40
FCF's EPS Growth (3Y)(%) is ranked higher than
91% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. FCF: 47.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCF' s 10-Year EPS Growth (3Y)(%) Range
Min: -36.3  Med: 2.80 Max: 47.4
Current: 47.4
-36.3
47.4
» FCF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

FCF Guru Trades in Q3 2014

Columbia Wanger 649,000 sh (unchged)
Richard Snow 161,630 sh (unchged)
» More
Q4 2014

FCF Guru Trades in Q4 2014

Jim Simons 51,600 sh (New)
Paul Tudor Jones 34,200 sh (New)
Richard Snow 260,930 sh (+61.44%)
Columbia Wanger 649,000 sh (unchged)
» More
Q1 2015

FCF Guru Trades in Q1 2015

Jim Simons 115,300 sh (+123.45%)
Richard Snow 300,830 sh (+15.29%)
Columbia Wanger 649,000 sh (unchged)
Paul Tudor Jones Sold Out
» More
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
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.53
FCF's P/E(ttm) is ranked lower than
69% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. FCF: 16.53 )
Ranked among companies with meaningful P/E(ttm) only.
FCF' s 10-Year P/E(ttm) Range
Min: 11.28  Med: 18.16 Max: 142.35
Current: 16.53
11.28
142.35
Forward P/E 11.61
FCF's Forward P/E is ranked higher than
51% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. FCF: 11.61 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.80
FCF's PE(NRI) is ranked lower than
69% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. FCF: 16.80 )
Ranked among companies with meaningful PE(NRI) only.
FCF' s 10-Year PE(NRI) Range
Min: 11.41  Med: 18.12 Max: 145.2
Current: 16.8
11.41
145.2
P/B 1.06
FCF's P/B is ranked lower than
53% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FCF: 1.06 )
Ranked among companies with meaningful P/B only.
FCF' s 10-Year P/B Range
Min: 0.5  Med: 1.14 Max: 2.07
Current: 1.06
0.5
2.07
P/S 3.19
FCF's P/S is ranked lower than
58% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. FCF: 3.19 )
Ranked among companies with meaningful P/S only.
FCF' s 10-Year P/S Range
Min: 1.53  Med: 3.33 Max: 4.89
Current: 3.19
1.53
4.89
PFCF 15.74
FCF's PFCF is ranked lower than
72% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FCF: 15.74 )
Ranked among companies with meaningful PFCF only.
FCF' s 10-Year PFCF Range
Min: 3.91  Med: 11.63 Max: 46.33
Current: 15.74
3.91
46.33
POCF 13.54
FCF's POCF is ranked lower than
73% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. FCF: 13.54 )
Ranked among companies with meaningful POCF only.
FCF' s 10-Year POCF Range
Min: 3.31  Med: 10.10 Max: 30.58
Current: 13.54
3.31
30.58
EV-to-EBIT 30.46
FCF's EV-to-EBIT is ranked lower than
84% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. FCF: 30.46 )
Ranked among companies with meaningful EV-to-EBIT only.
FCF' s 10-Year EV-to-EBIT Range
Min: -148.8  Med: 31.10 Max: 78.1
Current: 30.46
-148.8
78.1
Shiller P/E 25.94
FCF's Shiller P/E is ranked lower than
81% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. FCF: 25.94 )
Ranked among companies with meaningful Shiller P/E only.
FCF' s 10-Year Shiller P/E Range
Min: 6.9  Med: 15.38 Max: 38.42
Current: 25.94
6.9
38.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.24
FCF's Dividend Yield is ranked higher than
59% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. FCF: 3.24 )
Ranked among companies with meaningful Dividend Yield only.
FCF' s 10-Year Dividend Yield Range
Min: 0.83  Med: 3.26 Max: 9.56
Current: 3.24
0.83
9.56
Dividend Payout 0.53
FCF's Dividend Payout is ranked lower than
77% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FCF: 0.53 )
Ranked among companies with meaningful Dividend Payout only.
FCF' s 10-Year Dividend Payout Range
Min: 0.07  Med: 0.67 Max: 6
Current: 0.53
0.07
6
Dividend growth (3y) 46.00
FCF's Dividend growth (3y) is ranked higher than
92% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FCF: 46.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
FCF' s 10-Year Dividend growth (3y) Range
Min: -55.5  Med: 3.30 Max: 56.5
Current: 46
-55.5
56.5
Yield on cost (5-Year) 8.72
FCF's Yield on cost (5-Year) is ranked higher than
86% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. FCF: 8.72 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FCF' s 10-Year Yield on cost (5-Year) Range
Min: 2.23  Med: 8.77 Max: 25.73
Current: 8.72
2.23
25.73
Share Buyback Rate 3.80
FCF's Share Buyback Rate is ranked higher than
95% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FCF: 3.80 )
Ranked among companies with meaningful Share Buyback Rate only.
FCF' s 10-Year Share Buyback Rate Range
Min: 3.8  Med: -3.10 Max: -12
Current: 3.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
FCF's Price/Tangible Book is ranked lower than
67% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FCF: 1.40 )
Ranked among companies with meaningful Price/Tangible Book only.
FCF' s 10-Year Price/Tangible Book Range
Min: 0.64  Med: 1.80 Max: 2.75
Current: 1.4
0.64
2.75
Price/Projected FCF 0.62
FCF's Price/Projected FCF is ranked higher than
55% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FCF: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
FCF' s 10-Year Price/Projected FCF Range
Min: 0.31  Med: 0.86 Max: 1.27
Current: 0.62
0.31
1.27
Price/Median PS Value 0.95
FCF's Price/Median PS Value is ranked higher than
64% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FCF: 0.95 )
Ranked among companies with meaningful Price/Median PS Value only.
FCF' s 10-Year Price/Median PS Value Range
Min: 0.47  Med: 1.14 Max: 1.99
Current: 0.95
0.47
1.99
Price/Peter Lynch Fair Value 0.67
FCF's Price/Peter Lynch Fair Value is ranked higher than
70% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. FCF: 0.67 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FCF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.74  Med: 2.39 Max: 3.55
Current: 0.67
0.74
3.55
Price/Graham Number 1.00
FCF's Price/Graham Number is ranked lower than
68% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FCF: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
FCF' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 1.20 Max: 3.62
Current: 1
0.58
3.62
Earnings Yield (Greenblatt) (%) 3.34
FCF's Earnings Yield (Greenblatt) (%) is ranked lower than
75% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FCF: 3.34 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.3  Med: 3.10 Max: 7.4
Current: 3.34
1.3
7.4
Forward Rate of Return (Yacktman) (%) 33.67
FCF's Forward Rate of Return (Yacktman) (%) is ranked higher than
79% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. FCF: 33.67 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FCF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -8.4  Med: 8.50 Max: 33.7
Current: 33.67
-8.4
33.7

Analyst Estimate

Dec15 Dec16
EPS($) 0.62 0.75
EPS without NRI($) 0.62 0.75

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:FCF.Germany,
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.
» More Articles for FCF

Headlines

Articles On GuruFocus.com
FCF Capital Announces Grant of Deferred Share Units and Options Jul 15 2015 
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 

More From Other Websites
PREPA Deal Is No Reason to Rush Into Puerto Rico Bonds Sep 03 2015
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Financials Aug 20 2015
First Commonwealth Financial Corp. (Pennsylvania) Earnings Q2*, 2015 Aug 13 2015
F.N.B. Corp. (Pennsylvania) Earnings Q2*, 2015 Aug 13 2015
10-Q for First Commonwealth Financial Corp. (Pennsylvania) Aug 10 2015
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 10-Q, Quarterly Report Aug 07 2015
Edited Transcript of FCF earnings conference call or presentation 29-Jul-15 6:00pm GMT Jul 29 2015
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 8-K, Results of Operations and Financial... Jul 29 2015
First Commonwealth Financial posts 2Q profit Jul 29 2015
First Commonwealth Financial posts 2Q profit Jul 29 2015
First Commonwealth Announces Second Quarter 2015 Financial Results; Declares Quarterly Dividend Jul 29 2015
Q2 2015 First Commonwealth Financial Corp Earnings Release - 09:00 am ET Jul 29 2015
First Commonwealth to Host Second Quarter 2015 Earnings Conference Call on Wednesday, July 29, 2015 Jul 08 2015
Pennsylvania bank entering Columbus through acquisition of First Community May 11 2015
New Oriental Education & Technology Group, Whirlpool, Boston Private Financial Holdings, First... May 11 2015
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 8-K, Regulation FD Disclosure, Financial... May 11 2015
First Commonwealth to Enter the Columbus, Ohio Market Through the Acquisition of First Community... May 11 2015
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 10-Q, Quarterly Report May 08 2015
3 Regional Banks to Add to Your Portfolio as Rates Rise - Analyst Blog May 08 2015
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 8-K, Submission of Matters to a Vote of... May 01 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK