First Commonwealth [FCF] vs Pathward Financial [CASH] Detailed Stock Comparison

First Commonwealth Financial Corporation

NYSE
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Pathward Financial Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: First Commonwealth Financial Corporation wins in 9 metrics, Pathward Financial Inc. wins in 10 metrics, with 0 ties. Pathward Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First Commonwealth Financial Corporation Pathward Financial Inc. Better
P/E Ratio (TTM) 12.67 11.91 Pathward Financial Inc.
Price-to-Book Ratio 1.23 2.54 First Commonwealth Financial Corporation
Debt-to-Equity Ratio 0.30 0.07 Pathward Financial Inc.
PEG Ratio 0.53 0.55 First Commonwealth Financial Corporation
Profit Margin (TTM) 31.37% 24.31% First Commonwealth Financial Corporation
Operating Margin (TTM) 46.46% 25.54% First Commonwealth Financial Corporation
EBITDA Margin (TTM) 46.46% 25.54% First Commonwealth Financial Corporation
Return on Equity 10.29% 23.57% Pathward Financial Inc.
Return on Assets (TTM) 1.27% 2.53% Pathward Financial Inc.
Free Cash Flow (TTM) $171.45M $236.59M Pathward Financial Inc.
Dividend Yield 2.97% 0.28% First Commonwealth Financial Corporation
1-Year Return 28.45% 13.18% First Commonwealth Financial Corporation
Price-to-Sales Ratio (TTM) 3.92 2.78 Pathward Financial Inc.
Enterprise Value $2.17B $1.85B First Commonwealth Financial Corporation
EV/Revenue Ratio 4.46 2.36 Pathward Financial Inc.
Revenue per Share (TTM) $5 $34 Pathward Financial Inc.
Earnings per Share (Diluted) $1.47 $8.21 Pathward Financial Inc.
Beta (Stock Volatility) 0.75 0.74 Pathward Financial Inc.
Short % of Float 2.98% 10.89% First Commonwealth Financial Corporation

First Commonwealth Financial Corporation vs Pathward Financial Inc. Stock Performance Analysis

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FCF
CASH

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Commonwealth Financial Corporation-1.41%2.35%8.69%16.98%13.60%17.05%
Pathward Financial Inc.-2.54%2.04%2.67%-8.92%11.41%14.14%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Commonwealth Financial Corporation28.45%43.34%44.59%123.46%254.27%54.46%
Pathward Financial Inc.13.18%74.27%72.73%386.53%1,668.28%1,037.43%

Performance & Financial Health Analysis: First Commonwealth Financial Corporation vs Pathward Financial Inc.

MetricFCFCASH
Market Information
Market Cap i$1.90B$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i684,760175,852
90 Day Avg. Volume i968,330230,397
Last Close$19.63$82.03
52 Week Range$15.00 - $20.04$65.87 - $101.26
% from 52W High-2.05%-18.99%
All-Time High$20.04 (Jun 15, 2026)$101.26 (Apr 17, 2026)
% from All-Time High-2.05%-18.99%
Growth Metrics
Quarterly Revenue Growth0.15%0.04%
Quarterly Earnings Growth0.25%0.17%
Financial Health
Profit Margin (TTM) i0.31%0.24%
Operating Margin (TTM) i0.46%0.26%
Return on Equity (TTM) i0.10%0.24%
Debt to Equity (MRQ) i0.300.07
Cash & Liquidity
Book Value per Share (MRQ)$15.17$38.55
Cash per Share (MRQ)$1.87$15.22
Operating Cash Flow (TTM) i$187.54M$630.66M
Levered Free Cash Flow (TTM) i$152.30M$185.18M
Dividends
Last 12-Month Dividend Yield i2.97%0.28%
Last 12-Month Dividend i$0.56$0.25

Valuation & Enterprise Metrics Analysis: First Commonwealth Financial Corporation vs Pathward Financial Inc.

MetricFCF (Apr 26, 2026)CASH (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.6711.91
Forward P/E i9.4810.21
PEG Ratio i0.530.55
Price to Sales (TTM) i3.922.78
Price to Book (MRQ) i1.232.54
Market Capitalization
Market Capitalization i$1.90B$1.96B
Enterprise Value i$2.17B$1.85B
Enterprise Value Metrics
Enterprise to Revenue i4.462.36
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.750.74
Book Value per Share (MRQ) i$15.17$38.55

Financial Statements Comparison: First Commonwealth Financial Corporation vs Pathward Financial Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFCF (2025)CASH (2025)
Revenue/Sales i522.91M673.63M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i191.36M223.05M
Pre-Tax Income % of Revenue i36.6%33.1%
Income Tax i39.06M36.27M
Income Tax % of Revenue i7.5%5.4%
Net Income (Profit) i152.30M186.79M
Profit Margin i29.1%27.7%

Balance Sheet & Liquidity Metrics

MetricFCF (2025)CASH (2025)
Cash & Equivalents i180.36M120.57M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i261.74M33.46M
Long-Term Debt % of Revenue i50.1%5.0%
Total Shareholders Equity i1.55B857.45M
Retained Earnings i1.07B359.83M
Retained Earnings % of Revenue i204.2%53.4%
Property, Plant & Equipment i53.65M279.25M

Cash Flow Statement Comparison

MetricFCF (2025)CASH (2025)
Operating Cash Flow i164.59M453.09M
Operating Cash Flow % of Revenue i31.5%67.3%
Capital Expenditures i-16.09M-185.72M
Free Cash Flow i171.45M236.59M
FCF Margin i32.8%35.1%
Debt Repayment i-21.69MN/A
Common Stock Repurchase i-35.79M-163.05M

Short Interest & Institutional Ownership Analysis

MetricFCFCASH
Shares Short i2.19M1.97M
Short Ratio i2.078.16
Short % of Float i2.98%10.89%
Shares Outstanding i102.84M22.17M
Float Shares i99.32M21.45M
% Held by Insiders i1.77%1.42%
% Held by Institutions i77.71%95.01%
% Held by Public i20.52%3.57%

Dividend Analysis & Yield Comparison: First Commonwealth Financial Corporation vs Pathward Financial Inc.

MetricFCFCASH
Last 12-Month Dividend i$0.56$0.25
Last 12-Month Dividend Yield i2.97%0.28%
3-Year Avg Annual Dividend i$0.52$0.22
3-Year Avg Dividend Yield i0.85%0.08%
3-Year Total Dividends i$1.56$0.65
Ex-Dividend DateFeb 06, 2026Mar 12, 2026