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First Commonwealth Financial

Financial Services US FCF

19.18USD
0.07(0.37%)

Last update at 2026-06-08T20:00:00Z

Day Range

19.1319.37
LowHigh

52 Week Range

14.4219.14
LowHigh

Fundamentals

  • Previous Close 19.11
  • Market Cap1896.95M
  • Volume545977
  • P/E Ratio12.63
  • Dividend Yield2.87%
  • Revenue TTM485.53M
  • Revenue Per Share TTM4.70
  • Gross Profit TTM 485.53M
  • Diluted EPS TTM1.47

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 191.36M 178.21M 197.56M 160.19M 172.82M
Minority interest - - - - -
Net income 152.30M 142.57M 157.06M 128.18M 138.26M
Selling general administrative 88.16M 155.26M 149.13M 128.90M 134.41M
Selling and marketing expenses 6.45M 5.54M 5.71M 5.03M 4.98M
Gross profit 493.12M 448.95M 467.47M 380.23M 358.63M
Reconciled depreciation 6.63M 5.69M 5.59M 3.20M 3.50M
Ebit 198.36M 178.32M 197.56M 185.27M 172.82M
Ebitda 204.68M 184.01M 201.66M 188.47M 176.31M
Depreciation and amortization 6.32M 5.69M 4.10M 3.20M 3.50M
Non operating income net other - - - - -
Operating income 198.36M 178.21M 197.56M 185.27M 172.82M
Other operating expenses 531.08M 521.49M 429.05M 5.03M -212.48100M
Interest expense 206.60M 221.57M 144.32M 17.73M 15.30M
Tax provision 39.06M 35.64M 37.75M 32.04M 34.56M
Interest income 629.99M 598.41M 479.52M 329.95M 293.84M
Net interest income 423.39M 376.84M 375.47M 312.22M 278.54M
Extraordinary items - - - 0.03M 0.09M
Non recurring - - - - -
Other items - - - - -
Income tax expense 39.06M 35.64M 40.49M 32.00M 34.56M
Total revenue 729.44M 699.69M 626.61M 410.93M 385.30M
Total operating expenses 294.76M 270.75M 269.92M 5.03M -212.48100M
Cost of revenue 236.32M 250.74M 159.13M 30.70M 26.66M
Total other income expense net -7.00500M -57.12100M -63.67100M -25.08800M 170.49M
Discontinued operations - - - - -
Net income from continuing ops 152.30M 142.57M 147.97M 128.18M 138.26M
Net income applicable to common shares 152.30M 142.57M 157.06M 128.18M 138.26M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 12366.07M 11584.94M 11459.49M 9805.67M 9545.09M
Intangible assets 22.02M 19.64M 22.82M 9.21M 11.19M
Earning assets - - - - 1924.75M
Other current assets -975.40700M - 147.41M 495.29M 240.89M
Total liab 10811.70M 10179.77M 10145.21M 8753.59M 8435.72M
Total stockholder equity 1554.38M 1405.16M 1314.27M 1052.07M 1109.37M
Deferred long term liab - - - - -
Other current liab -133.18100M 9678.02M 9192.31M -87.69400M -138.31500M
Common stock 126.60M 123.60M 123.60M 113.92M 113.92M
Capital stock 126.60M 123.60M 123.60M 113.92M 113.92M
Retained earnings 1067.89M 971.08M 881.11M 774.86M 691.26M
Other liab - - - 59.76M 132.64M
Good will 378.21M 363.71M 363.71M 303.33M 303.33M
Other assets 10787.04M 9832.80M -147.41500M 7210.89M 6064.68M
Cash 103.28M 133.41M 146.99M 154.24M 395.37M
Cash and equivalents - - - - -
Total current liabilities 281.15M 9758.16M 9790.14M 285.00M 138.31M
Current deferred revenue - - - - -
Net debt 349.06M 209.72M 637.60M 399.67M -74.78800M
Short term debt 281.15M 80.14M 597.84M 372.69M 138.31M
Short long term debt 125.00M 55.00M 563.00M 372.69M 138.31M
Short long term debt total 452.33M 343.12M 784.59M 553.92M 320.58M
Other stockholder equity 424.48M 412.99M 421.31M 300.99M 312.96M
Property plant equipment 114.28M 116.11M 121.02M 115.11M 121.42M
Total current assets 103.28M 1281.03M 1167.98M 916.90M 1449.59M
Long term investments 1571.91M 1584.22M 1490.87M 1250.24M 1595.53M
Net tangible assets - - - 742.56M 794.86M
Short term investments 1052.49M 1147.62M 1020.99M 789.08M 1054.22M
Net receivables - - - - -
Long term debt 261.74M 258.66M 181.86M 181.22M 182.27M
Inventory - - - 0.53M 1.04M
Accounts payable - - - 8005.47M 7982.50M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -64.60000M -102.51400M -111.75600M -137.69200M -8.76800M
Additional paid in capital - - - - -
Common stock total equity - - - - 113.92M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - 691.26M
Treasury stock - - - - -183.15600M
Accumulated amortization - - - - -
Non currrent assets other 366.10M 451.01M 433.22M -1677.87600M -2030.82000M
Deferred long term asset charges - - - - -
Non current assets total 12262.79M 10303.90M 10291.51M 1677.88M 2030.82M
Capital lease obligations 3.72M 4.33M 4.89M 5.42M 5.92M
Long term debt total 261.74M 128.31M 177.74M 181.22M 182.27M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 79.91M -121.72300M -609.32700M -588.78800M -569.82100M
Change to liabilities - - - 0.00000M 10.25M
Total cashflows from investing activities -388.13700M -121.72300M -574.27300M -588.78800M -565.30500M
Net borrowings 43.64M -442.03200M 51.14M 233.17M -30.20700M
Total cash from financing activities 247.64M -21.32400M 416.26M 196.25M 439.05M
Change to operating activities - - - 1.17M -0.41200M
Net income 152.30M 142.57M 157.06M 128.18M 138.26M
Change in cash 46.95M -13.58400M -7.25100M -241.12800M 38.79M
Begin period cash flow 133.41M 146.99M 154.24M 395.37M 356.58M
End period cash flow 180.36M 133.41M 146.99M 154.24M 395.37M
Total cash from operating activities 187.45M 129.46M 150.76M 151.41M 165.05M
Issuance of capital stock 0.24M 0.20M 0.24M 0.24M 0.22M
Depreciation 6.65M 5.69M 4.10M 10.55M 11.44M
Other cashflows from investing activities -462.83800M 9.84M -402.03000M -577.58100M 15.15M
Dividends paid 55.49M 52.60M 50.81M -44.57800M -43.61100M
Change to inventory - - - - -
Change to account receivables 0.13M 3.28M -8.83800M -6.84600M 5.88M
Sale purchase of stock -35.79200M -12.63000M -14.96500M -15.59800M -31.30100M
Other cashflows from financing activities 295.04M 485.74M 430.66M 257.39M 564.89M
Change to netincome - - - 16.32M 6.42M
Capital expenditures 16.09M 15.55M 22.03M 11.21M 10.64M
Change receivables - - - - 5.88M
Cash flows other operating - - - - -11.97900M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - 38.79M
Change in working capital -0.90800M 3.68M -8.44600M -10.23500M 16.14M
Stock based compensation - - 3.80M - -18.87700M
Other non cash items 26.38M -25.89200M -8.80500M 24.93M 16.66M
Free cash flow 171.36M 113.92M 128.72M 140.21M 154.41M

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) Enterprise Value to Revenue (x)
FCF
First Commonwealth Financial
0.07 0.37% 19.18 12.63 10.31 3.91 1.22 4.37
HDB
HDFC Bank Limited ADR
-0.4 1.71% 23.01 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
0.24 0.79% 30.71 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd
-0.03 0.06% 50.45 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H
- -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

Profile

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company's consumer services include internet, mobile, and telephone banking; an automated teller machine network; 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, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, 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, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company 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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