First Commonwealth Financial Corporation

Dividend Per Share TTM ($)	0.50
Forward Annual Dividend Yield	3.76%
Ex Dividend Date (MM/DD/YYYY)	5/2/2024
Dividend Pay Date (MM/DD/YYYY)	2/23/2024
Dividend Yield (TTM)	3.69%
Forward Annual Dividend Rate ($)	0.50
Dividend Payout Ratio	25.71
Dividend Per Share 5 Year CAGR	0.00%

Analyst Estimates

EPS Estimate Current Year ($)	1.44
EPS Estimate Next Year ($)	1.46
EPS Estimate Next Quarter ($)	0.37
EPS Estimate Current Quarter ($)	0.36
Current Target Price ($)	15.92
Next 5 Year Growth Rate (%)
1 week Ago Target Price ($)	15.42
2 week Ago Target Price ($)	15.42
3 week Ago Target Price ($)	15.42

Financial Health

Cash Flow Per Share TTM ($)	1.47
Current Ratio	0.00
Quick Ratio	0.00
Debt to Equity Ratio (Last Quarter)	0.59
Long term debt per share (Last Quarter)	1.83
F Score	4.0

Technicals

RSI (14 Day)	56.88
14 Day SMA ($)	13.07
14 Day EMA ($)	13.24
Money Flow Index	37.15
Average True Range	0.36
50 Day SMA ($)	13.27
200 Day SMA ($)	13.44
ADX	20.60
MACD	-0.21

Growth

Free Cash Flow QoQ Growth	0.00%
Free Cash Flow YoY Growth	0.00%
Revenue YoY Growth	0.00%
EPS QoQ Growth	0.00%
Revenue QoQ Growth	0.00%
EPS YoY Growth	0.00%

Profitability

Return on Assets TTM (%)	1.48
Profit Margin TTM (%)	-0.5
Return on Equity TTM (%)	13.36
Return on Capital TTM (%)	-0.06
Interest Coverage Ratio	0.00
Gross Margin TTM (%)

Peers

Stock	Dividend	Market Cap (B)	PE	Price ($)
ASRV	0.0223	0 B	10.5	4.48
CCNE	0.0256	0 B	8.5	27.39
EMCF	0.0414	0 B	7.9	28.96
FNB	0.0355	4 B	10.5	13.53
FULT	0.0306	3 B	11	18.31
PFIS	0.0318	0 B	10.4	49.07
PWOD	0.0527	0 B	10.8	24.29
STBA	0.0371	1 B	11	31.25

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Financials

Income Statement

Balance Sheet

Cash Flow

FCF Income Statement

Annual

	Dec-13	Dec-14	Dec-15	Dec-16	Dec-17	Dec-18	Dec-19	Dec-20	Dec-21	Dec-22
Amortization of intangibles	-1 M	-631000.0	-605000.0	-547000.0	-3 M	-3 M	3 M	4 M	3 M	3 M
Basic EPS from continuing operations	0.43	0.48	0.56	0.67	0.58	1.09	1.07	0.75	1.45	1.37
Basic EPS total	0.43	0.48	0.56	0.67	0.58	1.09	1.07	0.75	1.45	1.37
Basic weighted shares outstanding	97 M	93 M	89 M	89 M	95 M	99 M	98 M	97 M	96 M	94 M
CreditLossesProvision	19 M	11 M	15 M	18 M	5 M	13 M	15 M	57 M	1 M	21 M
Depreciation	-11 M	-14 M	-8 M	-7 M	-9 M	-8 M	10 M	12 M	11 M	11 M
Depreciation unreconciled	1 M	631000.0	605000.0	547000.0	3 M	3 M	3 M	4 M	3 M	3 M
DepreciationAndAmortization	1 M	631000.0	605000.0	547000.0	3 M	3 M	3 M	4 M	3 M	3 M
Diluted EPS total	0.43	0.48	0.56	0.67	0.58	1.08	1.07	0.75	1.44	1.37
Diluted normalized net income/share	0.43	0.48	0.56	0.67	0.58	1.08	1.07	0.75	1.44	1.37
Diluted weighted shares outstanding	97 M	93 M	89 M	89 M	95 M	99 M	99 M	98 M	96 M	94 M
DividendIncome	302000.0	2 M	3 M	3 M	2 M	2 M	2 M	686000.0	521000.0	877000.0
Dividends paid per share	0.23	0.28	0.28	0.28	0.32	0.35	0.4	0.44	0.46	0.48
Equipment	15 M	18 M	11 M	12 M	14 M	14 M	15 M	15 M	16 M	16 M
FeesAndCommissions	28 M	28 M	30 M	29 M	9 M	7 M	8 M	8 M	9 M	71 M
GeneralAndAdministrativeExpense	19 M	19 M	19 M	18 M	23 M	23 M	1 M	3 M	3 M	-129 M
ImpairmentOfCapitalAssets	-13 M		-218000.0	-7 M	2 M	1 M	2 M	680000.0	303000.0	343000.0
Income before tax	57 M	62 M	71 M	85 M	104 M	133 M	131 M	90 M	173 M	160 M
Income restructuring and M&A			922000.0	3 M	10 M	2 M	4 M			2 M
Income taxes	20 M	22 M	28 M	32 M	54 M	30 M	26 M	17 M	35 M	32 M
InsuranceAndClaims	19 M	19 M	19 M	18 M	23 M	23 M	1 M	3 M	3 M	3 M
Interest expense	-22 M	-19 M	-16 M	-19 M	-22 M	-40 M	55 M	33 M	15 M	18 M
InterestExpenseForCapitalizedLeaseObligations									245000.0	226000.0
InterestExpenseForDeposit	16 M	12 M	7 M	8 M	9 M	22 M	37 M	22 M	6 M	7 M
InterestExpenseForLongTermDebt	5 M	4 M	3 M	3 M	4 M	8 M	10 M	10 M	9 M	9 M
InterestExpenseForLongTermDebtAndCapitalSecurities	5 M	4 M	3 M	3 M	4 M	8 M	10 M	10 M	9 M	9 M
InterestExpenseForShortTermDebt	1 M	2 M	5 M	8 M	9 M	11 M	8 M	704000.0	99000.0	2 M
InterestIncome	206 M	202 M	204 M	218 M	251 M	292 M	325 M	301 M	294 M	330 M
InterestIncomeAfterProvisionForLoanLoss	146 M	161 M	159 M	162 M	219 M	227 M	255 M	212 M	277 M	291 M
InterestIncomeFromDeposits	7000.0	12000.0	14000.0	27000.0	121000.0	172000.0	403000.0	218000.0	400000.0	2 M
InterestIncomeFromInvestmentSecurities	30 M	29 M	28 M	29 M	30 M	33 M	31 M	25 M	25 M	25 M
InterestIncomeFromLeases					297000.0	297000.0
InterestIncomeFromLoans	176 M	171 M	173 M	185 M	219 M	257 M	292 M	275 M	268 M	302 M
InterestIncomeFromLoansAndLease	176 M	171 M	173 M	185 M	219 M	257 M	292 M	275 M	268 M	302 M
InterestIncomeFromSecurities	30 M	29 M	28 M	29 M	30 M	33 M	31 M	25 M	25 M	25 M
MarketingExpense	3 M	3 M	3 M	3 M	4 M	4 M	4 M	5 M	5 M	5 M
Net income from total operations	41 M	44 M	50 M	60 M	55 M	107 M	105 M	73 M	138 M	128 M
NetIncomeCommonStockholders	41 M	44 M	50 M	60 M	55 M	107 M	118 M	99 M	150 M	128 M
NetIncomeContinuousOperations	41 M	44 M	50 M	60 M	55 M	107 M	105 M	73 M	138 M	128 M
NetInterestIncome	165 M	172 M	174 M	181 M	224 M	240 M	270 M	268 M	279 M	312 M
NetOccupancyExpense	14 M	13 M	14 M	13 M	16 M	17 M	19 M	18 M	17 M	18 M
NonInterestExpense	-169 M	-171 M	-164 M	-160 M	-200 M	-196 M	210 M	216 M	214 M	-225 M
NonInterestIncome	60 M	61 M	61 M	65 M	80 M	89 M	85 M	94 M	107 M	99 M
NonRecurringOperationExpense	1 M	2 M	3 M	1 M	2 M
Normalized income									44 M	26 M
OccupancyAndEquipment	29 M	31 M	24 M	25 M	29 M	31 M	34 M	33 M	32 M	34 M
Other special charges	-3 M	-4 M	-3 M				-52 M	-101 M	-93 M	-3 M
OtherCustomerServices	6 M	6 M	9 M	8 M	9 M	7 M	8 M	8 M	9 M	9 M
OtherGandA	19 M	19 M	19 M	18 M	23 M	23 M	1 M	3 M	3 M	-129 M
OtherInterestExpense	-22 M	-19 M	-16 M	-19 M	-22 M	-40 M	-56 M	-34 M	-16 M	-16 M
OtherNonInterestExpense	20 M	21 M	13 M	13 M	15 M	17 M	32 M	22 M	32 M	-49 M
OtherNonInterestIncome	31 M	27 M	28 M	29 M	60 M	62 M	66 M	65 M	74 M	10 M
ProfessionalExpenseAndContractServicesExpense	4 M	4 M	4 M	4 M	5 M	4 M	5 M	4 M	5 M	5 M
RentAndLandingFees	-4 M	-3 M	-3 M	-4 M	-3 M	-4 M	5 M	7 M	5 M
Revenue per share	1 M	631000.0	605000.0	547000.0	3 M	3 M	3 M	4 M	3 M	3 M
SalariesAndWages	86 M	87 M	89 M	87 M	104 M	105 M	112 M	119 M	120 M	126 M
SecuritiesActivities	671000.0	133 M	88 M	56 M	144 M
Selling Gen & administrative expense	108 M	109 M	111 M	108 M	131 M	132 M	118 M	126 M	127 M	134 M
SellingAndMarketingExpense	3 M	3 M	3 M	3 M	4 M	4 M	4 M	5 M	5 M	5 M
ServiceChargeOnDepositorAccounts	22 M	22 M	21 M	21 M	26 M
Special income/charges	-21 M	-23 M	-17 M	-17 M	-27 M	-19 M	-38 M	-23 M	-32 M	-5 M
Total common shares outstanding	94 M	91 M	89 M	89 M	98 M	99 M	98 M	96 M	94 M	103 M
Total net income	41 M	44 M	50 M	60 M	55 M	107 M	105 M	73 M	138 M	128 M
Total ordinary shares	102 M	102 M	102 M	102 M	102 M	102 M	102 M	102 M	102 M	102 M
Total revenues	226 M	233 M	235 M	245 M	304 M	328 M	355 M	363 M	385 M	411 M
TotalRevenue	226 M	233 M	235 M	245 M	304 M	328 M	355 M	363 M	385 M	411 M
TrustFeesbyCommissions						3 M	3 M	3 M	4 M	11 M

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First Commonwealth Financial Corporation

Sector: Financial Services

Industry: Banks - Regional - US

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Valuation

Price per Sales TTM ($)

Price per Book TTM ($)

PE Ratio (TTM)

Book Value per Share ($)

5 Year PE Range

Returns

7 Day Return

1 Month Return

3 Month Return

1 Year Return

3 Year Return

5 Year Return

YTD Return

Risk

Custom Beta One Year

Custom Beta Three Years

Beneish M Score

Altman Z Score

Ranks

MarketXLS Value Score

MarketXLS Quality Score

MarketXLS Technical Score

MarketXLS Rank

Dividends

Dividend Per Share TTM ($)

Forward Annual Dividend Yield

Ex Dividend Date (MM/DD/YYYY)

Dividend Pay Date (MM/DD/YYYY)

Dividend Yield (TTM)

Forward Annual Dividend Rate ($)

Dividend Payout Ratio

Dividend Per Share 5 Year CAGR

Analyst Estimates

EPS Estimate Current Year ($)

EPS Estimate Next Year ($)

EPS Estimate Next Quarter ($)

EPS Estimate Current Quarter ($)

Current Target Price ($)

Next 5 Year Growth Rate (%)

1 week Ago Target Price ($)

2 week Ago Target Price ($)

3 week Ago Target Price ($)

Financial Health

Cash Flow Per Share TTM ($)

Current Ratio

Quick Ratio

Debt to Equity Ratio (Last Quarter)

Long term debt per share (Last Quarter)

F Score

Technicals

RSI (14 Day)

14 Day SMA ($)

14 Day EMA ($)

Money Flow Index

Average True Range

50 Day SMA ($)

200 Day SMA ($)

ADX

MACD

Growth

Free Cash Flow QoQ Growth

Free Cash Flow YoY Growth

Revenue YoY Growth

EPS QoQ Growth

Revenue QoQ Growth

EPS YoY Growth

Profitability

Return on Assets TTM (%)

Profit Margin TTM (%)

Return on Equity TTM (%)

Return on Capital TTM (%)

Interest Coverage Ratio

Gross Margin TTM (%)

Peers

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You are invited to join our Discord Channel.

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