First Commonwealth Financial Corporation | Small-cap | Financial Services
$16.09
-3.07%
| First Commonwealth Stock Comparison:
First Commonwealth vs Nu HoldingsFirst Commonwealth vs U.S. BancorpFirst Commonwealth vs OFG BancorpFirst Commonwealth vs Northwest BancsharesFirst Commonwealth vs LendingClubFirst Commonwealth vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 130.9M
Net Income 33.4M 25.51%
EPS (Diluted) $0.32

Balance Sheet Metrics

Total Assets 11.8B
Total Liabilities 10.3B
Shareholders Equity 1.4B
Debt to Equity 7.15

Cash Flow Metrics

Operating Cash Flow 46.1M
Free Cash Flow 50.9M

Revenue & Profitability Trend

First Commonwealth Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 478.1M 482.3M 410.9M 385.3M 362.7M
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 160.8M 154.8M 133.9M 127.0M 129.8M
Other Operating Expenses i - - - - -
Total Operating Expenses i 160.8M 154.8M 133.9M 127.0M 129.8M
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i - - - - -
Other Non-Operating Income - - - - -
Pre-tax Income i 178.2M 197.6M 160.2M 172.8M 90.2M
Income Tax i 35.6M 40.5M 32.0M 34.6M 16.8M
Effective Tax Rate % i 20.0% 20.5% 20.0% 20.0% 18.6%
Net Income i 142.6M 157.1M 128.2M 138.3M 73.4M
Net Margin % i 29.8% 32.6% 31.2% 35.9% 20.2%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i $1.40 $1.54 $1.37 $1.47 $0.76
EPS (Diluted) i $1.39 $1.54 $1.37 $1.44 $0.75
Basic Shares Outstanding i 101758450 102114664 93376314 94233152 96130751
Diluted Shares Outstanding i 101758450 102114664 93376314 94233152 96130751

Income Statement Trend

First Commonwealth Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 133.4M 147.0M 154.2M 395.4M 356.6M
Short-term Investments i 1.1B 1.0B 762.7M 1.0B 831.2M
Accounts Receivable i - - - - -
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i 56.1M 59.4M 51.5M 47.9M 48.6M
Goodwill i 747.1M 750.2M 615.9M 617.8M 620.1M
Intangible Assets i 19.6M 22.8M 9.2M 11.2M 13.5M
Long-term Investments - - - - -
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i 11.6B - - - -
Liabilities
Current Liabilities
Accounts Payable i - - - - -
Short-term Debt i 55.0M 563.0M 285.0M 0 -
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i 263.0M 186.8M 181.2M 182.3M 233.3M
Deferred Tax Liabilities i - - - - -
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i 10.2B - - - -
Equity
Common Stock i 123.6M 123.6M 113.9M 113.9M 113.9M
Retained Earnings i 971.1M 881.1M 774.9M 691.3M 596.6M
Treasury Stock i 218.4M 208.8M 196.4M 183.2M 153.8M
Other Equity - - - - -
Total Shareholders Equity i 1.4B 1.3B 1.1B 1.1B 1.1B
Key Metrics
Total Debt i 318.0M 749.8M 466.2M 182.3M 233.3M
Working Capital i 0 0 0 0 0

Balance Sheet Composition

First Commonwealth Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 142.6M 157.1M 128.2M 138.3M 73.4M
Depreciation & Amortization i 5.7M 4.1M 10.6M 11.4M 11.7M
Stock-Based Compensation i - - - - -
Working Capital Changes i 4.5M -3.8M -5.7M 5.5M -11.6M
Operating Cash Flow i 114.3M 149.3M 144.4M 173.3M 62.5M
Investing Activities
Capital Expenditures i -15.5M -22.0M -11.2M -10.6M -7.6M
Acquisitions i 0 14.5M 0 0 0
Investment Purchases i -492.6M -338.6M -200.0K -1.0B -496.9M
Investment Sales i 376.6M 173.9M 225.2M 555.1M 591.2M
Investing Cash Flow i -100.7M -176.5M 214.2M -480.1M 98.2M
Financing Activities
Share Repurchases i -12.6M -15.0M -15.6M -31.3M -20.9M
Dividends Paid i -52.6M -50.8M -44.6M -43.6M -43.0M
Debt Issuance i 127.0M - - 0 0
Debt Repayment i -51.3M -1.3M -1.2M -51.1M -1.1M
Financing Cash Flow i -507.1M -14.4M 173.2M -104.9M -149.2M
Free Cash Flow i 113.9M 128.7M 140.2M 154.4M 98.1M
Net Change in Cash i -493.4M -41.6M 531.8M -411.7M 11.5M

Cash Flow Trend

First Commonwealth Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 12.95
Forward P/E 11.77
Price to Book 1.16
Price to Sales 3.87
PEG Ratio -1.12

Profitability Ratios

Profit Margin 29.48%
Operating Margin 41.73%
Return on Equity 9.31%
Return on Assets 1.12%

Financial Health

Debt to Equity 0.36
Beta 0.81

Per Share Data

EPS (TTM) $1.30
Book Value per Share $14.51
Revenue per Share $4.45

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
fcf 1.8B 12.95 1.16 9.31% 29.48% 0.36
Nu Holdings 74.7B 32.19 7.64 27.88% 39.32% 0.36
U.S. Bancorp 73.5B 11.36 1.36 11.67% 27.00% 1.34
OFG Bancorp 1.9B 9.95 1.42 15.20% 31.43% 0.38
Northwest Bancshares 1.8B 11.13 0.97 8.97% 25.54% 0.29
LendingClub 1.8B 24.06 1.26 5.50% 5.93% 1.59

Financial data is updated regularly. All figures are in the company's reporting currency.