First Commonwealth Financial

Financial Services US FCF

16.73USD
-0.25(1.47%)

Last update at 2026-03-11T15:02:00Z

Day Range

16.6117.01
LowHigh

52 Week Range

11.0516.05
LowHigh

Fundamentals

  • Previous Close 16.98
  • Market Cap1562.30M
  • Volume199945
  • P/E Ratio10.27
  • Dividend Yield3.27%
  • Revenue TTM448.56M
  • Revenue Per Share TTM4.51
  • Gross Profit TTM 389.48M
  • Diluted EPS TTM1.49

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 160.19M 172.82M 91.67M 132.60M 134.75M
Minority interest - - - - -
Net income 128.18M 138.26M 73.45M 105.33M 107.50M
Selling general administrative 128.90M 134.41M 137.21M 126.35M 120.35M
Selling and marketing expenses 5.03M 4.98M 4.68M 4.25M 3.96M
Gross profit 380.23M 358.63M 337.98M 329.59M 317.52M
Reconciled depreciation 3.20M 3.50M 11.65M 10.37M 8.05M
Ebit 185.27M 172.82M 90.20M 130.85M 177.64M
Ebitda 188.47M 176.31M 93.89M 134.19M 180.85M
Depreciation and amortization 3.20M 3.50M 3.69M 3.34M 3.22M
Non operating income net other - - - - -
Operating income 185.27M 172.82M 90.20M 130.85M 172.81M
Other operating expenses 5.03M -212.48100M -272.54400M -224.49800M 168.05M
Interest expense 17.73M 15.30M 32.94M 55.40M 40.03M
Tax provision 32.04M 34.56M 16.76M 25.52M 25.27M
Interest income 329.95M 293.84M 301.21M 323.66M 290.40M
Net interest income 312.22M 278.54M 268.27M 268.25M 250.36M
Extraordinary items 0.03M 0.09M 0.00000M 0.00000M 0.35M
Non recurring - - - - -
Other items - - - - -
Income tax expense 32.00M 34.56M 16.76M 25.52M 25.27M
Total revenue 410.93M 385.30M 362.75M 355.35M 340.86M
Total operating expenses 5.03M -212.48100M -272.54400M -224.49800M -168.05200M
Cost of revenue 30.70M 26.66M 24.77M 25.76M 23.34M
Total other income expense net -25.08800M 170.49M 1.46M 1.75M -40.03500M
Discontinued operations - - - - -
Net income from continuing ops 128.18M 138.26M 73.45M 105.33M 107.50M
Net income applicable to common shares 128.18M 138.26M 73.45M 105.33M 107.50M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 9805.67M 9545.09M 9068.10M 8308.77M 7828.26M
Intangible assets 9.21M 11.19M 13.49M 16.37M 13.04M
Earning assets - 1924.75M 1495.30M 1291.67M 1350.12M
Other current assets 495.29M 240.89M 6232.67M 5571.49M 5117.12M
Total liab 8753.59M 8435.72M 7999.49M 7253.11M 6852.87M
Total stockholder equity 1052.07M 1109.37M 1068.62M 1055.66M 975.39M
Deferred long term liab - - - - -
Other current liab -87.69400M -138.31500M -117.37300M -201.85300M -156.82300M
Common stock 113.92M 113.92M 113.92M 113.92M 113.92M
Capital stock 113.92M 113.92M 113.92M 113.92M 113.92M
Retained earnings 774.86M 691.26M 596.61M 577.35M 511.41M
Other liab 59.76M 132.64M 210.19M 65.09M 45.91M
Good will 303.33M 303.33M 303.33M 303.33M 274.20M
Other assets 7210.89M 6064.68M 6220.44M 5554.73M 9531.20M
Cash 154.24M 395.37M 356.58M 121.86M 98.95M
Cash and equivalents - - - - -
Total current liabilities 285.00M 138.31M 117.37M 201.85M 565.00M
Current deferred revenue - - - - -
Net debt 399.67M -74.78800M -5.95300M 314.18M 807.93M
Short term debt 372.69M 138.31M 117.37M 201.85M 721.82M
Short long term debt 372.69M 138.31M 117.37M 136.20M 565.00M
Short long term debt total 553.92M 320.58M 350.63M 436.04M 906.88M
Other stockholder equity 300.99M 312.96M 340.86M 358.82M 361.41M
Property plant equipment 115.11M 121.42M 126.73M 139.50M 84.41M
Total current assets 916.90M 1449.59M 1200.03M 1040.91M 6125.31M
Long term investments 1250.24M 1595.53M 7067.38M 6507.38M 6164.24M
Net tangible assets 742.56M 794.86M 751.80M 735.97M 688.15M
Short term investments 789.08M 1054.22M 843.45M 919.05M 941.37M
Net receivables - - - - -
Long term debt 181.22M 182.27M 233.25M 234.18M 185.06M
Inventory 0.53M 1.04M 1.83M 2.23M 3.94M
Accounts payable 8005.47M 7982.50M 7438.67M 6677.61M 5897.99M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -137.69200M -8.76800M 17.23M 5.58M -11.34100M
Additional paid in capital - - - - -
Common stock total equity - 113.92M 113.92M 113.92M 113.92M
Preferred stock total equity - - - - -
Retained earnings total equity - 691.26M 596.61M 577.35M 511.41M
Treasury stock - -183.15600M -153.82800M -134.91400M -130.86700M
Accumulated amortization - - - - -
Non currrent assets other -1677.87600M -2030.82000M -1647.63100M -1713.13800M 5117.12M
Deferred long term asset charges - - - - -
Non current assets total 1677.88M 2030.82M 1647.63M 1713.14M 1702.94M
Capital lease obligations 5.42M 5.92M 6.38M 6.82M 7.22M
Long term debt total 181.22M 182.27M 233.25M 234.18M 185.06M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -588.78800M -569.82100M -482.49800M -199.52500M -345.47100M
Change to liabilities 0.00000M 10.25M -1.76600M 1.23M -1.54300M
Total cashflows from investing activities -588.78800M -565.30500M -483.13800M 122.94M -347.74800M
Net borrowings 233.17M -30.20700M -85.56900M -471.00600M 88.41M
Total cash from financing activities 196.25M 439.05M 612.16M -207.66500M 204.14M
Change to operating activities 1.17M -0.41200M -0.87900M -0.25600M 0.38M
Net income 128.18M 138.26M 73.45M 105.33M 107.50M
Change in cash -241.12800M 38.79M 234.72M 22.91M -8.34500M
Begin period cash flow 395.37M 356.58M 121.86M 98.95M 107.29M
End period cash flow 154.24M 395.37M 356.58M 121.86M 98.95M
Total cash from operating activities 151.41M 165.05M 105.70M 107.63M 135.26M
Issuance of capital stock 0.24M 0.22M 0.22M 0.21M 0.21M
Depreciation 10.55M 11.44M 11.65M 10.37M 8.05M
Other cashflows from investing activities -577.58100M 15.15M 6.97M 339.85M 7.32M
Dividends paid -44.57800M -43.61100M -42.98200M -39.39400M 34.85M
Change to inventory - - - - -
Change to account receivables -6.84600M 5.88M -10.73500M 0.42M -2.56100M
Sale purchase of stock -15.59800M -31.30100M -20.90500M -6.25900M -26.18900M
Other cashflows from financing activities 257.39M 564.89M 676.92M -161.18700M 288.94M
Change to netincome 16.32M 6.42M 27.86M 6.69M 14.85M
Capital expenditures 11.21M 10.64M 7.62M 17.38M 9.60M
Change receivables - 5.88M -10.73500M 0.42M -2.56100M
Cash flows other operating - -11.97900M -0.93900M -20.30800M 5.89M
Exchange rate changes - - - - -
Cash and cash equivalents changes - 38.79M 234.72M 22.91M -8.34500M
Change in working capital -10.23500M 16.14M -12.50100M 1.65M -4.10400M
Stock based compensation - -18.87700M 44.09M 7.75M 3.07M
Other non cash items 24.93M 16.66M -2.77700M -19.76800M 17.28M
Free cash flow 140.21M 154.41M 98.08M 90.25M 125.66M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
FCF
First Commonwealth Financial
-0.25 1.47% 16.73 10.27 9.80 3.48 1.26
HDB
HDFC Bank Limited ADR
-0.24 0.81% 29.48 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
0.02 0.06% 31.67 6.61 5.68 0.48 0.77 3.43
IBN
ICICI Bank Limited
-0.73 2.60% 27.32 17.79 16.95 0.07 3.08
BNPQY
BNP Paribas SA ADR
0.20 0.39% 50.96 8.57 6.56 1.75 0.57

Reports Covered

Stock Research & News

Profile

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, it offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.

First Commonwealth Financial

601 Philadelphia Street, Indiana, PA, United States, 15701

Key Executives

Name Title Year Born
Mr. Thomas Michael Price Pres, CEO & Director 1963
Mr. James R. Reske CFA Exec. VP, CFO & Treasurer 1964
Ms. Jane Grebenc Exec. VP, Chief Revenue Officer & Director 1959
Mr. Ryan M. Thomas VP / Fin. and Investor Relations 1981
Mr. Matthew C. Tomb Exec. VP, Chief Risk Officer, Gen. Counsel & Sec. 1977
Ms. Linda D. Metzmaier Chief Compliance Officer, Chief Compliance Officer & Sr. VP of First Commonwealth Bank NA
Ms. Amy Jeffords Assistant VP of Communications & Community Relations NA
Jonathan E. Longwill VP of Communications & Media Relations NA
Ms. Carrie L. Riggle Exec. VP of HR 1970
Mr. Leonard V. Lombardi CIA, CFSA Exec. VP & Chief Audit Exec. 1960

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