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First Commonwealth Financial Corp

First Commonwealth Financial Corp

FCF
$21.03USD-0.33%-0.07 today

MARKET CAP

2.1B

P/E (TTM)

14.4x

FWD P/E

DAY RANGE

$21 – $21

52W RANGE

$15
$22

AI Summary

Stalk
Buy NowMedium

Rebound off the confluence of the 9-, 20-, and 50-period moving averages and the Bullish Pivot Point pattern signal failure of recent downside control and the start of structural repair. Price has reclaimed and is tightly tracking above rising EMAs, supported by neutral momentum and modestly higher volume, favoring immediate participation toward a mean-reversion move up to the 52-week high.

  • Core EPS rose to $0.44 (+18.9% QoQ) with 1.46% ROA
  • Net interest margin expanded to 4.01%, expected to hold low-4%
  • Deposits declined 5.77% annualized, raising liquidity and cost risk
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$400.6M$428.7M$626.6M$699.7M$729.5M
YoY %+1.2%+7.0%+46.2%+11.7%+4.3%
P / Sales3.8x3.1x2.5x2.5x2.4x
EV / Sales24.7x23.2x18.5x16.9x17.0x
Gross Profit, Adj.$385.3M$410.9M$482.3M$478.1M$522.9M
YoY %+6.2%+6.7%+17.4%-0.9%+9.4%
Margin %96.2%95.9%77.0%68.3%71.7%
EV / Gross Profit25.7x24.2x24.1x24.7x23.8x
EBITDA, Adj.$175.4M$162.2M$206.8M$179.1M$196.4M
YoY %+85.8%-7.5%+27.5%-13.4%+9.7%
Margin %43.8%37.8%33.0%25.6%26.9%
EV / EBITDA56.4x61.3x56.1x65.9x63.3x
EBIT$172.8M$160.2M$197.6M$178.2M$191.4M
YoY %+91.6%-7.3%+23.3%-9.8%+7.4%
Margin %43.1%37.4%31.5%25.5%26.2%
EV / EBIT57.2x62.1x58.7x66.2x65.0x
Net Income$138.3M$128.2M$157.1M$142.6M$152.3M
YoY %+88.2%-7.3%+22.5%-9.2%+6.8%
Net Margin34.5%29.9%25.1%20.4%20.9%
EPS (GAAP)$1.44$1.37$1.54$1.39$1.47
YoY %+92.0%-4.9%+12.4%-9.7%+5.8%