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 0.07
FCF's Cash to Debt is ranked lower than
52% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FCF: 0.07 )
FCF' s 10-Year Cash to Debt Range
Min: 0.05   Max: 0.79
Current: 0.07

0.05
0.79
Equity to Asset 0.11
FCF's Equity to Asset is ranked higher than
76% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FCF: 0.11 )
FCF' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.11

0.07
0.14
Interest Coverage 2.61
FCF's Interest Coverage is ranked higher than
80% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FCF: 2.61 )
FCF' s 10-Year Interest Coverage Range
Min: 0.31   Max: 2.61
Current: 2.61

0.31
2.61
F-Score: 6
Z-Score: 0.25
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 : 6/10

vs
industry
vs
history
Operating margin (%) 26.65
FCF's Operating margin (%) is ranked higher than
71% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. FCF: 26.65 )
FCF' s 10-Year Operating margin (%) Range
Min: -20.32   Max: 40.83
Current: 26.65

-20.32
40.83
Net-margin (%) 18.84
FCF's Net-margin (%) is ranked higher than
70% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. FCF: 18.84 )
FCF' s 10-Year Net-margin (%) Range
Min: -8.88   Max: 29.84
Current: 18.84

-8.88
29.84
ROE (%) 6.43
FCF's ROE (%) is ranked higher than
67% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. FCF: 6.43 )
FCF' s 10-Year ROE (%) Range
Min: -3.11   Max: 16.51
Current: 6.43

-3.11
16.51
ROA (%) 0.74
FCF's ROA (%) is ranked higher than
71% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCF: 0.74 )
FCF' s 10-Year ROA (%) Range
Min: -0.31   Max: 1.5
Current: 0.74

-0.31
1.5
ROC (Joel Greenblatt) (%) 9.24
FCF's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. FCF: 9.24 )
FCF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -4.45   Max: 100.4
Current: 9.24

-4.45
100.4
Revenue Growth (3Y)(%) -2.90
FCF's Revenue Growth (3Y)(%) is ranked higher than
65% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FCF: -2.90 )
FCF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.8   Max: 7.8
Current: -2.9

-7.8
7.8
EBITDA Growth (3Y)(%) 24.80
FCF's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FCF: 24.80 )
FCF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -29   Max: 24.8
Current: 24.8

-29
24.8
EPS Growth (3Y)(%) 19.80
FCF's EPS Growth (3Y)(%) is ranked higher than
86% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FCF: 19.80 )
FCF' s 10-Year EPS Growth (3Y)(%) Range
Min: -36.3   Max: 19.8
Current: 19.8

-36.3
19.8
» FCF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

FCF Guru Trades in Q4 2013

Columbia Wanger 2,001,100 sh (-46.96%)
» More
Q1 2014

FCF Guru Trades in Q1 2014

Steven Cohen 12,876 sh (New)
Richard Snow 106,360 sh (New)
Columbia Wanger 943,000 sh (-52.88%)
» More
Q2 2014

FCF Guru Trades in Q2 2014

Richard Snow 161,630 sh (+51.97%)
Columbia Wanger 649,000 sh (-31.18%)
» More
Q3 2014

FCF Guru Trades in Q3 2014

Columbia Wanger 649,000 sh (unchged)
Richard Snow 161,630 sh (unchged)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Richard Snow 2014-06-30 Add 51.97%0.02%$8.14 - $9.41 $ 9.215%161630
Richard Snow 2014-03-31 New Buy0.04%$7.83 - $9.34 $ 9.218%106360
Richard Snow 2012-09-30 Sold Out 0.01%$6.67 - $7.55 $ 9.2132%0
Richard Snow 2012-06-30 Reduce -47.63%0.01%$5.69 - $6.61 $ 9.2150%33531
Richard Snow 2012-03-31 Reduce -37.02%0.01%$5.47 - $6.68 $ 9.2164%64031
George Soros 2011-12-31 Sold Out 0.0036%$3.55 - $5.45 $ 9.21102%0
Richard Snow 2011-12-31 Add 22.78%$3.55 - $5.45 $ 9.21102%101661
Richard Snow 2011-09-30 Add 100.98%0.01%$3.66 - $5.83 $ 9.21100%82796
George Soros 2011-09-30 New Buy$3.66 - $5.83 $ 9.21100%57100
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.90
FCF's P/E(ttm) is ranked higher than
73% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. FCF: 18.90 )
FCF' s 10-Year P/E(ttm) Range
Min: 11.28   Max: 142.35
Current: 18.9

11.28
142.35
P/B 1.20
FCF's P/B is ranked higher than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FCF: 1.20 )
FCF' s 10-Year P/B Range
Min: 0.5   Max: 2.06
Current: 1.2

0.5
2.06
P/S 3.50
FCF's P/S is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. FCF: 3.50 )
FCF' s 10-Year P/S Range
Min: 1.53   Max: 4.89
Current: 3.5

1.53
4.89
PFCF 14.40
FCF's PFCF is ranked higher than
81% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FCF: 14.40 )
FCF' s 10-Year PFCF Range
Min: 3.91   Max: 46.33
Current: 14.4

3.91
46.33
EV-to-EBIT 30.50
FCF's EV-to-EBIT is ranked higher than
65% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. FCF: 30.50 )
FCF' s 10-Year EV-to-EBIT Range
Min: -148.8   Max: 78.1
Current: 30.5

-148.8
78.1
Shiller P/E 37.00
FCF's Shiller P/E is ranked higher than
79% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FCF: 37.00 )
FCF' s 10-Year Shiller P/E Range
Min: 6.79   Max: 37.68
Current: 37

6.79
37.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.00
FCF's Dividend Yield is ranked higher than
67% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. FCF: 3.00 )
FCF' s 10-Year Dividend Yield Range
Min: 0.83   Max: 9.56
Current: 3

0.83
9.56
Dividend Payout 0.55
FCF's Dividend Payout is ranked higher than
65% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FCF: 0.55 )
FCF' s 10-Year Dividend Payout Range
Min: 0.07   Max: 6
Current: 0.55

0.07
6
Dividend growth (3y) 56.50
FCF's Dividend growth (3y) is ranked higher than
96% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. FCF: 56.50 )
FCF' s 10-Year Dividend growth (3y) Range
Min: -55.5   Max: 56.5
Current: 56.5

-55.5
56.5
Yield on cost (5-Year) 6.63
FCF's Yield on cost (5-Year) is ranked higher than
89% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. FCF: 6.63 )
FCF' s 10-Year Yield on cost (5-Year) Range
Min: 1.84   Max: 21.14
Current: 6.63

1.84
21.14
Share Buyback Rate -1.40
FCF's Share Buyback Rate is ranked higher than
74% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FCF: -1.40 )
FCF' s 10-Year Share Buyback Rate Range
Min: 2.3   Max: -12
Current: -1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
FCF's Price/Tangible Book is ranked higher than
72% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FCF: 1.60 )
FCF' s 10-Year Price/Tangible Book Range
Min: 0.64   Max: 5.73
Current: 1.6

0.64
5.73
Price/DCF (Projected) 0.70
FCF's Price/DCF (Projected) is ranked higher than
86% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. FCF: 0.70 )
FCF' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 1.27
Current: 0.7

0.31
1.27
Price/Median PS Value 1.00
FCF's Price/Median PS Value is ranked higher than
83% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. FCF: 1.00 )
FCF' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 1.95
Current: 1

0.46
1.95
Price/Graham Number 1.10
FCF's Price/Graham Number is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FCF: 1.10 )
FCF' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 3.62
Current: 1.1

0.58
3.62
Earnings Yield (Greenblatt) 3.30
FCF's Earnings Yield (Greenblatt) is ranked higher than
60% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FCF: 3.30 )
FCF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 7.3
Current: 3.3

1.3
7.3
Forward Rate of Return (Yacktman) -10.51
FCF's Forward Rate of Return (Yacktman) is ranked higher than
52% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. FCF: -10.51 )
FCF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8.3   Max: 20.3
Current: -10.51

-8.3
20.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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
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 
View on FCF Nov 11 2009 

More From Other Websites
Insider Trading Alert - EIGI, POWI And FCF Traded By Insiders Nov 28 2014
Insider Trading Alert - FCF, TILE And TER Traded By Insiders Nov 26 2014
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Financials Nov 19 2014
First Commonwealth Hires David B. Buckiso as Executive Vice President, Wealth Services Nov 17 2014
First Commonwealth Hires David B. Buckiso as Executive Vice President, Wealth Services Nov 17 2014
10-Q for First Commonwealth Financial Corp. (Pennsylvania) Nov 12 2014
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 10-Q, Quarterly Report Nov 10 2014
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 8-K, Results of Operations and Financial... Oct 29 2014
First Commonwealth Announces Third Quarter 2014 Financial Results; Declares Quarterly Dividend Oct 29 2014
First Commonwealth Announces Third Quarter 2014 Financial Results; Declares Quarterly Dividend Oct 29 2014
First Commonwealth Acquires Thompson/McLay Insurance Associates Oct 10 2014
First Commonwealth to Host Third Quarter 2014 Earnings Conference Call on Wednesday, October 29,... Oct 08 2014
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 8-K, Change in Directors or Principal Officers Sep 26 2014
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 10-Q, Quarterly Report Aug 07 2014
First Commonwealth to Present at the KBW Community Bank Investor Conference on July 29, 2014 Jul 28 2014
FIRST COMMONWEALTH FINANCIAL CORP /PA/ Files SEC form 8-K, Results of Operations and Financial... Jul 23 2014
First Commonwealth Announces Second Quarter 2014 Financial Results; Declares Quarterly Dividend Jul 23 2014
First Commonwealth Bank Launches New Mortgage Banking Division Jul 14 2014
First Commonwealth to Host Second Quarter 2014 Earnings Conference Call on Wednesday, July 23, 2014 Jul 03 2014
First Commonwealth initiated with a Neutral at SunTrust May 15 2014

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)
Free 7-day Trial
FEEDBACK