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First Commonwealth Financial (FCF) Financials

First Commonwealth Financial logo
$15.61 -0.45 (-2.78%)
Closing price 05/21/2025 03:59 PM Eastern
Extended Trading
$15.60 -0.01 (-0.06%)
As of 05/21/2025 04:20 PM Eastern
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Annual Income Statements for First Commonwealth Financial

Annual Income Statements for First Commonwealth Financial

This table shows First Commonwealth Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 143 157 128 138 73 105 107 55 60 50 44
Consolidated Net Income / (Loss)		 143 157 128 138 73 105 107 55 60 50 44
Net Income / (Loss) Continuing Operations		 143 157 128 138 73 105 107 55 60 50 44
Total Pre-Tax Income 		178 198 160 173 90 131 133 104 85 71 62
Total Revenue		 478 482 411 385 363 355 341 309 264 250 245
Net Interest Income / (Expense)		 379 386 312 279 268 270 252 229 199 188 184
Total Interest Income		 600 530 330 294 301 325 292 251 218 204 202
Loans and Leases Interest Income		 541 491 302 268 275 292 257 219 185 173 171
Investment Securities Interest Income		 50 30 26 26 26 33 35 32 32 31 31
Deposits and Money Market Investments Interest Income		 9.07 9.49 1.72 0.40 0.22 0.40 0.17 0.12 0.03 0.01 0.01
Total Interest Expense		 222 144 18 15 33 55 40 22 19 16 19
Deposits Interest Expense		 191 112 6.71 5.75 22 37 22 9.42 7.52 7.47 12
Short-Term Borrowings Interest Expense		 20 22 2.00 0.10 0.70 8.30 11 8.80 8.08 5.02 2.45
Long-Term Debt Interest Expense		 9.92 9.96 8.79 9.20 10.00 10 7.29 3.32 2.98 3.10 3.60
Other Interest Expense		 0.18 0.21 0.23 - - - - - - - -
Total Non-Interest Income		 99 97 99 107 94 85 89 80 65 61 61
Trust Fees by Commissions		 12 11 11 11 9.10 8.32 7.90 7.10 5.37 5.83 6.00
Service Charges on Deposit Accounts		 23 21 20 18 16 19 18 - - - -
Other Service Charges		 22 21 24 19 17 18 16 37 33 32 30
Net Realized & Unrealized Capital Gains on Investments		 15 11 12 24 21 12 20 12 6.33 3.85 5.20
Other Non-Interest Income		 28 34 33 34 31 28 27 24 20 20 20
Provision for Credit Losses		 29 15 21 -1.38 57 15 13 5.09 18 15 11
Total Non-Interest Expense		 271 270 230 214 216 210 196 200 160 164 171
Salaries and Employee Benefits		 149 143 126 120 119 112 105 104 87 89 87
Net Occupancy & Equipment Expense		 53 52 48 45 44 45 42 38 32 31 37
Marketing Expense		 5.54 5.71 5.03 4.98 4.68 4.25 3.96 3.79 2.60 2.64 2.95
Property & Liability Insurance Claims		 5.97 6.26 2.87 2.53 2.70 1.22 2.01 3.21 3.90 4.01 4.05
Other Operating Expenses		 51 49 43 38 42 39 37 36 29 33 38
Amortization Expense		 5.39 4.98 3.20 3.50 3.69 3.34 3.22 3.08 0.55 0.61 0.63
Impairment Charge		 0.45 0.20 0.34 0.30 0.68 1.72 1.08 1.83 1.16 3.11 1.60
Restructuring Charge		 0.39 9.03 1.70 0.00 0.00 3.54 1.64 10 3.17 0.92 0.00
Income Tax Expense		 36 40 32 35 17 26 25 49 26 21 18
Basic Earnings per Share		 $1.40 $1.55 $1.37 $1.45 $0.75 $1.07 $1.09 $0.58 $0.67 $0.56 $0.48
Weighted Average Basic Shares Outstanding		 101.91M 101.56M 93.61M 95.58M 97.50M 98.32M 99.04M 95.22M 88.85M 89.36M 93.11M
Diluted Earnings per Share		 $1.39 $1.54 $1.37 $1.44 $0.75 $1.07 $1.08 $0.58 $0.67 $0.56 $0.48
Weighted Average Diluted Shares Outstanding		 102.21M 101.82M 93.89M 95.84M 97.76M 98.59M 99.22M 95.33M 88.85M 89.36M 93.11M
Weighted Average Basic & Diluted Shares Outstanding		 101.85M 204.49M 206.14M 188.60M 192.32M 98.40M 98.60M 95.10M 88.90M 89.50M 92.60M
Cash Dividends to Common per Share		 $0.52 $0.50 $0.48 $0.46 $0.44 $0.40 $0.35 $0.32 $0.28 $0.28 $0.28

Quarterly Income Statements for First Commonwealth Financial

This table shows First Commonwealth Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 36 32 37 38 45 39 43 30 36 34
Consolidated Net Income / (Loss)		 36 32 37 38 45 39 43 30 36 34
Net Income / (Loss) Continuing Operations		 36 32 37 38 45 39 43 30 36 34
Total Pre-Tax Income 		45 41 47 46 57 49 54 38 45 42
Total Revenue		 120 121 120 116 120 123 122 117 112 108
Net Interest Income / (Expense)		 95 97 95 92 96 98 98 94 88 82
Total Interest Income		 150 154 151 145 144 140 131 115 96 86
Loans and Leases Interest Income		 135 138 136 133 133 129 121 108 90 79
Investment Securities Interest Income		 14 13 12 11 9.69 7.17 6.53 6.41 6.33 6.40
Deposits and Money Market Investments Interest Income		 0.77 3.84 2.89 1.57 1.59 3.35 4.04 0.51 0.38 0.58
Total Interest Expense		 55 58 56 53 49 42 33 20 8.25 3.34
Deposits Interest Expense		 51 50 47 44 38 33 26 16 4.08 1.03
Short-Term Borrowings Interest Expense		 1.06 6.28 6.34 6.77 7.51 6.64 5.19 2.40 1.91 0.05
Long-Term Debt Interest Expense		 3.17 1.82 2.30 2.63 2.66 2.75 2.30 2.26 2.16 2.21
Total Non-Interest Income		 25 25 25 24 24 25 25 23 24 26
Trust Fees by Commissions		 3.03 3.24 2.82 2.73 2.55 2.95 2.53 2.49 2.46 2.78
Other Service Charges		 -17 9.57 18 11 -16 13 12 12 -12 14
Net Realized & Unrealized Capital Gains on Investments		 4.82 3.77 3.10 3.39 2.50 2.23 3.23 2.65 2.45 2.58
Other Non-Interest Income		 23 2.28 1.37 1.29 30 1.24 1.20 1.23 22 1.42
Provision for Credit Losses		 6.49 11 7.83 4.24 -1.87 5.89 2.79 8.00 9.12 5.92
Total Non-Interest Expense		 69 70 66 66 65 67 66 71 58 60
Salaries and Employee Benefits		 38 39 37 35 36 36 37 34 32 32
Net Occupancy & Equipment Expense		 13 13 13 14 13 13 13 13 12 12
Marketing Expense		 1.36 1.96 0.90 1.32 1.06 1.66 1.33 1.66 1.09 1.28
Property & Liability Insurance Claims		 1.44 1.64 1.29 1.61 1.65 1.92 1.28 1.42 0.68 0.80
Other Operating Expenses		 14 13 12 12 12 13 13 12 12 12
Amortization Expense		 1.37 1.22 1.54 1.26 1.21 1.34 1.28 1.15 -0.19 0.75
Impairment Charge		 0.10 0.13 0.08 0.14 0.11 0.05 0.01 0.04 0.13 0.05
Restructuring Charge		 0.28 0.00 0.00 0.11 0.17 0.38 -0.06 8.54 1.25 0.45
Income Tax Expense		 8.77 8.44 9.49 8.93 12 10 11 7.71 9.15 8.48
Basic Earnings per Share		 $0.36 $0.31 $0.36 $0.37 $0.45 $0.38 $0.42 $0.30 $0.39 $0.36
Weighted Average Basic Shares Outstanding		 101.91M 102.07M 102.05M 101.98M 101.56M 102.16M 102.53M 99.56M 93.61M 93.19M
Diluted Earnings per Share		 $0.35 $0.31 $0.36 $0.37 $0.44 $0.38 $0.42 $0.30 $0.39 $0.36
Weighted Average Diluted Shares Outstanding		 102.21M 102.42M 102.29M 102.20M 101.82M 102.44M 102.76M 99.78M 93.89M 93.45M
Weighted Average Basic & Diluted Shares Outstanding		 101.85M 101.78M 102.36M 102.30M 204.49M 102.11M 102.41M 102.89M 206.14M 93.38M
Cash Dividends to Common per Share		 $0.13 $0.13 $0.13 $0.13 $0.13 $0.13 $0.13 $0.12 $0.12 $0.12

Annual Cash Flow Statements for First Commonwealth Financial

This table details how cash moves in and out of First Commonwealth Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 -14 -7.25 -241 39 235 23 -8.35 -8.39 46 -5.09 -2.90
Net Cash From Operating Activities		 129 151 151 165 106 108 135 88 89 73 82
Net Cash From Continuing Operating Activities		 129 151 151 165 106 108 135 88 89 73 82
Net Income / (Loss) Continuing Operations		 143 157 128 138 73 105 107 55 60 50 44
Consolidated Net Income / (Loss)		 143 157 128 138 73 105 107 55 60 50 44
Provision For Loan Losses		 29 15 21 -1.38 57 15 13 5.09 18 15 11
Depreciation Expense		 5.69 4.10 11 11 12 10 8.05 9.00 7.12 7.64 14
Amortization Expense		 0.74 1.33 2.03 4.77 6.18 3.89 3.08 3.53 4.52 2.79 2.20
Non-Cash Adjustments to Reconcile Net Income		 -48 -20 -16 1.69 -35 -14 -3.49 4.10 -2.11 5.65 0.32
Changes in Operating Assets and Liabilities, net		 -0.31 -6.78 5.18 10 -7.15 -13 7.59 11 1.67 -8.43 10
Net Cash From Investing Activities		 -122 -574 -589 -565 -483 123 -348 -53 494 -142 -164
Net Cash From Continuing Investing Activities		 -122 -574 -589 -565 -483 123 -348 -53 494 -142 -164
Purchase of Property, Leasehold Improvements and Equipment		 -16 -22 -11 -11 -7.62 -17 -9.60 -12 -7.49 -4.89 -11
Purchase of Investment Securities		 -675 -980 -892 -1,205 -1,142 -534 -642 -464 -347 -666 -579
Sale and/or Maturity of Investments		 569 427 315 650 666 674 304 423 848 528 426
Net Cash From Financing Activities		 -21 416 196 439 612 -208 204 -44 -537 65 79
Net Cash From Continuing Financing Activities		 -21 416 196 439 612 -208 204 -44 -537 65 79
Net Change in Deposits		 486 431 23 544 761 309 177 149 132 -210 -288
Issuance of Debt		 127 0.00 0.00 21 -84 50 101 0.00 0.00 410 491
Issuance of Common Equity		 0.20 0.25 0.25 0.22 0.22 0.21 0.21 0.23 0.22 0.19 0.19
Repayment of Debt		 -569 51 233 -51 -1.09 -510 -24 -161 -639 -80 -60
Repurchase of Common Equity		 -13 -15 -16 -31 -21 -6.26 -26 -1.46 -0.86 -25 -31
Payment of Dividends		 -53 -51 -45 -44 -43 -39 -35 -31 -25 -25 -26

Quarterly Cash Flow Statements for First Commonwealth Financial

This table details how cash moves in and out of First Commonwealth Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -449 394 -122 163 -190 -112 53 242 -27 -119
Net Cash From Operating Activities		 14 54 23 40 44 20 48 39 43 48
Net Cash From Continuing Operating Activities		 14 54 22 40 44 20 48 39 43 48
Net Income / (Loss) Continuing Operations		 36 32 37 38 45 39 43 30 36 34
Consolidated Net Income / (Loss)		 36 32 37 38 45 39 43 30 36 34
Provision For Loan Losses		 6.49 11 7.83 4.24 -1.87 5.89 2.79 8.00 9.12 5.92
Depreciation Expense		 2.06 1.40 0.73 1.50 1.27 0.94 0.05 1.85 2.76 2.63
Amortization Expense		 0.10 0.20 0.20 0.24 0.28 0.33 0.35 0.38 0.46 0.44
Non-Cash Adjustments to Reconcile Net Income		 -13 -4.96 -22 -8.36 -2.17 -10 -7.41 -0.01 -4.70 -5.92
Changes in Operating Assets and Liabilities, net		 -17 14 -1.77 4.47 1.68 -16 9.18 -1.85 -0.64 11
Net Cash From Investing Activities		 -42 19 -35 -64 -225 -212 -148 11 -260 -184
Net Cash From Continuing Investing Activities		 -42 19 -35 -64 -225 -212 -148 11 -260 -184
Purchase of Investment Securities		 -201 -113 -183 -178 -286 -336 -235 -123 -318 -250
Sale and/or Maturity of Investments		 175 132 148 114 98 124 86 120 69 66
Net Cash From Financing Activities		 -421 322 -110 188 -8.82 80 153 192 191 17
Net Cash From Continuing Financing Activities		 -421 322 -110 188 -8.82 80 153 192 191 17
Net Change in Deposits		 -68 337 -37 254 -49 95 -88 473 -72 24
Issuance of Debt		 186 1.22 -8.93 -51 1.37 1.22 264 -266 40 9.01
Repayment of Debt		 -518 -0.34 -50 -0.33 52 -0.32 -0.32 -0.31 234 -0.31
Repurchase of Common Equity		 -8.08 -2.48 -0.32 -1.76 -0.86 -3.22 -9.16 -1.73 - -5.08
Payment of Dividends		 -13 -13 -13 -13 -13 -13 -13 -12 -11 -11

Annual Balance Sheets for First Commonwealth Financial

This table presents First Commonwealth Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 11,585 11,459 9,806 9,545 9,068 8,309 7,828 7,309 6,684 6,567 6,360
Cash and Due from Banks		 105 125 124 85 100 102 96 99 91 67 72
Interest Bearing Deposits at Other Banks		 28 22 30 311 257 20 3.01 8.67 25 2.81 2.26
Trading Account Securities		 1,553 1,440 1,224 1,583 1,193 1,239 1,303 1,153 1,158 1,277 1,310
Loans and Leases, Net of Allowance		 -119 -118 7,539 6,747 6,660 6,138 5,726 5,359 4,829 4,633 4,405
Allowance for Loan and Lease Losses		 119 118 103 93 101 52 48 48 50 51 52
Loans Held for Sale		 52 30 12 19 33 16 12 15 - - 2.50
Premises and Equipment, Net		 116 121 115 121 126 137 80 81 68 63 65
Goodwill		 364 364 303 303 303 303 274 255 187 165 161
Intangible Assets		 20 23 9.21 11 13 16 13 15 12 1.23 1.67
Other Assets		 9,466 9,453 449 7,113 383 337 320 322 315 359 340
Total Liabilities & Shareholders' Equity		 11,585 11,459 9,806 9,545 9,068 8,309 7,828 7,309 6,684 6,567 6,360
Total Liabilities		 10,180 10,145 8,754 8,436 7,999 7,253 6,853 6,420 5,934 5,847 5,644
Non-Interest Bearing Deposits		 2,250 2,389 2,671 2,659 2,320 1,690 1,466 1,417 1,269 1,117 989
Interest Bearing Deposits		 7,428 6,804 5,335 5,324 5,119 4,987 4,432 4,164 3,679 3,079 3,326
Short-Term Debt		 80 598 373 138 117 202 722 707 868 1,511 1,106
Long-Term Debt		 259 182 176 176 227 227 178 80 81 81 162
Capital Lease Obligations		 4.33 4.89 5.43 5.92 6.39 6.82 7.22 7.59 0.00 - -
Other Long-Term Liabilities		 159 168 194 133 210 139 48 44 38 59 61
Total Equity & Noncontrolling Interests		 1,405 1,314 1,052 1,109 1,069 1,056 975 888 750 720 716
Total Preferred & Common Equity		 1,405 1,314 1,052 1,109 1,069 1,056 975 888 750 720 716
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,405 1,314 1,052 1,109 1,069 1,056 975 888 750 720 716
Common Stock		 755 754 611 610 609 608 606 584 472 472 471
Retained Earnings		 971 881 775 691 597 577 511 437 413 378 353
Treasury Stock		 -218 -209 -196 -183 -154 -135 -131 -127 -128 -128 -104
Accumulated Other Comprehensive Income / (Loss)		 -103 -112 -138 -8.77 17 5.58 -11 -6.17 -7.03 -2.39 -4.50

Quarterly Balance Sheets for First Commonwealth Financial

This table presents First Commonwealth Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 11,983 11,627 11,694 11,422 11,319 11,114 9,579
Cash and Due from Banks		 127 110 77 123 123 114 106
Interest Bearing Deposits at Other Banks		 456 78 233 214 326 282 75
Trading Account Securities		 1,618 1,576 1,520 1,280 1,194 1,213 1,276
Loans and Leases, Net of Allowance		 8,839 8,871 8,881 8,767 8,666 8,523 7,253
Loans and Leases		 8,966 8,995 9,000 8,902 8,800 8,657 7,349
Allowance for Loan and Lease Losses		 126 124 119 134 134 134 96
Premises and Equipment, Net		 117 119 119 123 124 130 120
Goodwill		 364 364 364 364 364 360 303
Intangible Assets		 20 21 22 24 25 26 9.62
Other Assets		 443 488 479 527 496 466 436
Total Liabilities & Shareholders' Equity		 11,983 11,627 11,694 11,422 11,319 11,114 9,579
Total Liabilities		 10,574 10,264 10,362 10,181 10,086 9,889 8,556
Non-Interest Bearing Deposits		 2,464 2,305 2,334 2,536 2,624 2,698 2,783
Interest Bearing Deposits		 7,282 7,104 7,112 6,705 6,522 6,537 5,295
Short-Term Debt		 539 538 547 544 543 279 98
Long-Term Debt		 132 132 182 182 182 182 176
Capital Lease Obligations		 4.47 4.61 4.76 5.03 5.16 5.29 5.55
Other Long-Term Liabilities		 153 181 182 209 210 187 199
Total Equity & Noncontrolling Interests		 1,410 1,363 1,333 1,241 1,232 1,225 1,023
Total Preferred & Common Equity		 1,410 1,363 1,333 1,241 1,232 1,225 1,023
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,410 1,363 1,333 1,241 1,232 1,225 1,023
Common Stock		 755 755 754 754 754 754 611
Retained Earnings		 948 930 906 849 823 793 750
Treasury Stock		 -211 -208 -209 -208 -205 -197 -197
Accumulated Other Comprehensive Income / (Loss)		 -83 -113 -119 -154 -139 -125 -142

Annual Metrics And Ratios for First Commonwealth Financial

This table displays calculated financial ratios and metrics derived from First Commonwealth Financial's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.86% 17.36% 6.65% 6.22% 2.08% 4.25% 10.27% 17.25% 5.54% 2.15% -0.11%
EBITDA Growth		 -9.04% 17.49% -8.61% 74.97% -25.55% 0.84% 23.78% 20.01% 18.99% 4.31% 14.31%
EBIT Growth		 -9.79% 23.33% -7.31% 91.59% -31.06% -1.45% 28.00% 21.70% 20.08% 14.24% 9.46%
NOPAT Growth		 -9.23% 22.53% -7.29% 88.24% -30.27% -2.01% 94.87% -7.43% 18.84% 12.80% 7.16%
Net Income Growth		 -9.23% 22.53% -7.29% 88.24% -30.27% -2.01% 94.87% -7.43% 18.84% 12.80% 7.16%
EPS Growth		 -9.74% 12.41% -4.86% 92.00% -29.91% -0.93% 86.21% -13.43% 19.64% 16.67% 11.63%
Operating Cash Flow Growth		 -14.13% -0.43% -8.26% 56.15% -1.80% -20.43% 53.18% -1.08% 22.71% -11.43% -4.20%
Free Cash Flow Firm Growth		 246.85% -601.73% -137.52% -12.58% -70.58% 643.40% -229.55% -89.53% 341.91% 27.65% -193.55%
Invested Capital Growth		 -16.70% 30.69% 12.31% 0.75% -4.86% -20.75% 11.81% -0.90% -26.52% 16.55% 27.58%
Revenue Q/Q Growth		 0.08% 1.62% 4.05% 0.58% 0.77% 1.65% 0.38% 4.89% 2.46% 1.42% 0.19%
EBITDA Q/Q Growth		 -5.86% 5.27% 0.43% 6.17% -0.52% -0.19% 2.84% 3.86% 14.11% 5.37% -5.64%
EBIT Q/Q Growth		 -6.36% 6.37% 0.79% 7.29% -1.58% -0.55% 3.06% 4.13% 15.96% 6.24% -4.49%
NOPAT Q/Q Growth		 -5.92% 6.15% 0.75% 7.04% -1.52% -0.17% 27.25% -20.16% 15.18% 4.88% -3.33%
Net Income Q/Q Growth		 -5.92% 6.15% 0.75% 7.04% -1.52% -0.17% 27.25% -20.16% 15.18% 4.88% -3.33%
EPS Q/Q Growth		 -6.08% 3.36% 2.24% 7.46% -1.32% 0.00% 27.06% -21.62% 15.52% 3.70% -2.04%
Operating Cash Flow Q/Q Growth		 -19.07% 0.86% -1.87% 6.97% 4.01% -9.22% 14.06% -4.67% 11.24% -5.40% 8.78%
Free Cash Flow Firm Q/Q Growth		 1,183.27% 35.62% -120.08% -11.86% 4,643.24% 0.31% -171.99% -84.13% 1,185.04% -52.10% 5.69%
Invested Capital Q/Q Growth		 -16.14% 6.45% 23.35% 1.19% -0.66% 9.91% 7.80% -5.86% -21.47% 6.84% 2.61%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 38.62% 42.09% 42.04% 49.06% 29.78% 40.84% 42.22% 37.61% 36.74% 32.59% 31.92%
EBIT Margin		 37.27% 40.96% 38.98% 44.85% 24.87% 36.82% 38.95% 33.56% 32.33% 28.41% 25.41%
Profit (Net Income) Margin		 29.82% 32.57% 31.19% 35.88% 20.25% 29.64% 31.54% 17.85% 22.60% 20.07% 18.18%
Tax Burden Percent		 80.00% 79.50% 80.02% 80.00% 81.42% 80.50% 80.96% 53.18% 69.92% 70.64% 71.54%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.00% 20.50% 19.98% 20.00% 18.58% 19.50% 19.04% 46.82% 30.08% 29.36% 28.46%
Return on Invested Capital (ROIC)		 7.41% 8.48% 8.44% 9.71% 5.05% 6.24% 6.03% 3.26% 2.97% 2.33% 2.51%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.41% 8.48% 8.44% 9.71% 5.05% 6.24% 6.03% 3.26% 2.97% 2.33% 2.51%
Return on Net Nonoperating Assets (RNNOA)		 3.07% 4.80% 3.42% 2.99% 1.87% 4.13% 5.51% 3.47% 5.14% 4.65% 3.71%
Return on Equity (ROE)		 10.49% 13.27% 11.86% 12.70% 6.92% 10.37% 11.54% 6.74% 8.11% 6.99% 6.23%
Cash Return on Invested Capital (CROIC)		 25.64% -18.13% -3.15% 8.95% 10.02% 29.40% -5.12% 4.17% 33.54% -12.95% -21.72%
Operating Return on Assets (OROA)		 1.55% 1.86% 1.66% 1.86% 1.04% 1.62% 1.75% 1.48% 1.29% 1.10% 0.99%
Return on Assets (ROA)		 1.24% 1.48% 1.32% 1.49% 0.85% 1.31% 1.42% 0.79% 0.90% 0.78% 0.71%
Return on Common Equity (ROCE)		 10.49% 13.27% 11.86% 12.70% 6.92% 10.37% 11.54% 6.74% 8.11% 6.99% 6.23%
Return on Equity Simple (ROE_SIMPLE)		 10.15% 11.95% 12.18% 12.46% 6.87% 9.98% 11.02% 6.21% 7.95% 6.97% 6.21%
Net Operating Profit after Tax (NOPAT)		 143 157 128 138 73 105 107 55 60 50 44
NOPAT Margin		 29.82% 32.57% 31.19% 35.88% 20.25% 29.64% 31.54% 17.85% 22.60% 20.07% 18.18%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 43.43% 41.49% 43.46% 43.89% 46.10% 45.38% 44.30% 47.15% 46.25% 48.99% 52.03%
Operating Expenses to Revenue		 56.63% 55.97% 55.88% 55.50% 59.50% 59.09% 57.37% 64.80% 60.66% 65.60% 70.01%
Earnings before Interest and Taxes (EBIT)		 178 198 160 173 90 131 133 104 85 71 62
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 185 203 173 189 108 145 144 116 97 81 78
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.22 1.15 1.15 1.25 0.86 1.13 1.00 1.25 1.31 0.84 0.86
Price to Tangible Book Value (P/TBV)		 1.67 1.63 1.63 1.74 1.23 1.62 1.42 1.79 1.78 1.10 1.12
Price to Revenue (P/Rev)		 3.57 3.14 2.93 3.60 2.55 3.36 2.86 3.59 3.71 2.43 2.52
Price to Earnings (P/E)		 11.99 9.63 9.40 10.03 12.58 11.33 9.08 20.09 16.43 12.11 13.88
Dividend Yield		 3.07% 3.34% 3.68% 3.11% 4.58% 3.29% 3.56% 2.81% 2.55% 4.10% 4.16%
Earnings Yield		 8.34% 10.38% 10.63% 9.97% 7.95% 8.82% 11.01% 4.98% 6.09% 8.26% 7.21%
Enterprise Value to Invested Capital (EV/IC)		 1.10 1.02 1.00 0.92 0.65 1.01 0.95 1.07 1.07 0.92 0.91
Enterprise Value to Revenue (EV/Rev)		 4.01 4.46 3.91 3.41 2.53 4.24 5.23 5.81 6.87 8.53 7.40
Enterprise Value to EBITDA (EV/EBITDA)		 10.39 10.59 9.29 6.94 8.50 10.39 12.40 15.45 18.71 26.16 23.19
Enterprise Value to EBIT (EV/EBIT)		 10.77 10.88 10.02 7.59 10.18 11.52 13.44 17.32 21.26 30.01 29.13
Enterprise Value to NOPAT (EV/NOPAT)		 13.46 13.69 12.52 9.49 12.50 14.32 16.60 32.56 30.41 42.48 40.71
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.82 14.26 10.60 7.95 8.68 14.01 13.19 20.34 20.30 29.28 22.03
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.89 0.00 0.00 10.29 6.29 3.04 0.00 25.50 2.69 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.24 0.60 0.53 0.29 0.33 0.41 0.93 0.90 1.27 2.21 1.77
Long-Term Debt to Equity		 0.19 0.14 0.17 0.16 0.22 0.22 0.19 0.10 0.11 0.11 0.23
Financial Leverage		 0.41 0.57 0.40 0.31 0.37 0.66 0.91 1.06 1.73 1.99 1.48
Leverage Ratio		 8.47 8.99 8.95 8.55 8.18 7.95 8.12 8.54 9.02 9.00 8.81
Compound Leverage Factor		 8.47 8.99 8.95 8.55 8.18 7.95 8.12 8.54 9.02 9.00 8.81
Debt to Total Capital		 19.63% 37.38% 34.49% 22.42% 24.71% 29.23% 48.18% 47.25% 55.86% 68.88% 63.90%
Short-Term Debt to Total Capital		 4.58% 28.48% 23.21% 9.67% 8.27% 13.53% 38.35% 42.02% 51.09% 65.35% 55.75%
Long-Term Debt to Total Capital		 15.04% 8.90% 11.28% 12.75% 16.44% 15.70% 9.83% 5.22% 4.76% 3.52% 8.15%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 80.37% 62.62% 65.51% 77.58% 75.29% 70.77% 51.82% 52.75% 44.14% 31.12% 36.10%
Debt to EBITDA		 1.86 3.87 3.21 1.70 3.25 3.00 6.30 6.84 9.80 19.56 16.24
Net Debt to EBITDA		 1.14 3.14 2.31 -0.40 -0.06 2.17 5.61 5.92 8.60 18.71 15.28
Long-Term Debt to EBITDA		 1.42 0.92 1.05 0.96 2.16 1.61 1.29 0.76 0.84 1.00 2.07
Debt to NOPAT		 2.41 5.00 4.32 2.32 4.77 4.14 8.44 14.42 15.92 31.76 28.51
Net Debt to NOPAT		 1.47 4.06 3.12 -0.54 -0.08 2.98 7.52 12.47 13.98 30.37 26.84
Long-Term Debt to NOPAT		 1.84 1.19 1.41 1.32 3.18 2.22 1.72 1.59 1.36 1.63 3.64
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 493 -336 -48 128 146 496 -91 70 673 -278 -384
Operating Cash Flow to CapEx		 832.77% 684.21% 1,351.06% 1,551.33% 1,388.04% 619.29% 1,409.14% 761.84% 1,191.74% 1,488.66% 748.06%
Free Cash Flow to Firm to Interest Expense		 2.23 -2.33 -2.70 8.34 4.43 8.95 -2.28 3.24 36.21 -17.83 -20.77
Operating Cash Flow to Interest Expense		 0.58 1.04 8.54 10.79 3.21 1.94 3.38 4.06 4.81 4.67 4.44
Operating Cash Flow Less CapEx to Interest Expense		 0.51 0.89 7.91 10.09 2.98 1.63 3.14 3.52 4.40 4.35 3.85
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.04 0.04 0.04 0.04 0.05 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 4.03 4.09 3.48 3.13 2.76 3.26 4.21 4.15 4.03 3.89 3.68
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,748 2,099 1,606 1,430 1,419 1,492 1,882 1,684 1,699 2,312 1,984
Invested Capital Turnover		 0.25 0.26 0.27 0.27 0.25 0.21 0.19 0.18 0.13 0.12 0.14
Increase / (Decrease) in Invested Capital		 -351 493 176 11 -72 -391 199 -15 -613 328 429
Enterprise Value (EV)		 1,919 2,150 1,605 1,312 918 1,508 1,784 1,796 1,812 2,130 1,810
Market Capitalization		 1,709 1,513 1,205 1,387 924 1,194 976 1,108 979 607 617
Book Value per Share		 $13.81 $12.87 $11.27 $11.69 $11.12 $10.74 $9.81 $9.11 $8.43 $8.09 $7.81
Tangible Book Value per Share		 $10.04 $9.09 $7.92 $8.37 $7.82 $7.49 $6.92 $6.34 $6.20 $6.23 $6.03
Total Capital		 1,748 2,099 1,606 1,430 1,419 1,492 1,882 1,684 1,699 2,312 1,984
Total Debt		 343 785 554 321 351 436 907 795 949 1,592 1,268
Total Long-Term Debt		 263 187 181 182 233 234 185 88 81 81 162
Net Debt		 210 638 400 -75 -5.95 314 808 688 833 1,523 1,193
Capital Expenditures (CapEx)		 16 22 11 11 7.62 17 9.60 12 7.49 4.89 11
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 343 785 554 321 351 436 907 795 949 1,592 1,268
Total Depreciation and Amortization (D&A)		 6.43 5.43 13 16 18 14 11 13 12 10 16
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.40 $1.55 $1.37 $1.45 $0.75 $1.07 $1.09 $0.58 $0.67 $0.56 $0.48
Adjusted Weighted Average Basic Shares Outstanding		 101.91M 101.56M 93.61M 95.58M 97.50M 98.32M 99.04M 95.22M 88.85M 89.36M 93.11M
Adjusted Diluted Earnings per Share		 $1.39 $1.54 $1.37 $1.44 $0.75 $1.07 $1.08 $0.58 $0.67 $0.56 $0.48
Adjusted Weighted Average Diluted Shares Outstanding		 102.21M 101.82M 93.89M 95.84M 97.76M 98.59M 99.22M 95.33M 88.85M 89.36M 93.11M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $1.07 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 101.85M 204.49M 206.14M 188.60M 192.32M 98.26M 98.64M 97.52M 89.10M 88.96M 90.52M
Normalized Net Operating Profit after Tax (NOPAT)		 143 164 130 138 74 110 110 62 63 53 46
Normalized NOPAT Margin		 29.96% 34.09% 31.59% 35.95% 20.40% 30.83% 32.18% 19.92% 23.75% 21.21% 18.64%
Pre Tax Income Margin		 37.27% 40.96% 38.98% 44.85% 24.87% 36.82% 38.95% 33.56% 32.33% 28.41% 25.41%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.80 1.37 9.03 11.30 2.74 2.36 3.32 4.76 4.59 4.55 3.36
NOPAT to Interest Expense		 0.64 1.09 7.23 9.04 2.23 1.90 2.69 2.53 3.21 3.22 2.40
EBIT Less CapEx to Interest Expense		 0.73 1.22 8.40 10.60 2.51 2.05 3.08 4.23 4.18 4.24 2.76
NOPAT Less CapEx to Interest Expense		 0.57 0.94 6.60 8.34 2.00 1.59 2.45 2.00 2.80 2.90 1.81
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 36.90% 32.35% 34.78% 31.54% 58.52% 37.40% 32.42% 55.31% 41.80% 50.03% 59.03%
Augmented Payout Ratio		 45.75% 41.88% 46.95% 54.18% 86.98% 43.34% 56.78% 57.96% 43.25% 100.66% 128.66%

Quarterly Metrics And Ratios for First Commonwealth Financial

This table displays calculated financial ratios and metrics derived from First Commonwealth Financial's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.32% -1.12% -1.75% -0.88% 6.85% 13.22% 24.63% 27.32% 16.62% 10.61%
EBITDA Growth		 -19.71% -16.67% -12.05% 20.07% 21.14% 11.05% 30.18% 6.66% 1.56% -2.09%
EBIT Growth		 -21.33% -17.77% -13.13% 22.52% 26.37% 16.10% 39.65% 10.09% 2.88% -0.20%
NOPAT Growth		 -20.03% -18.21% -13.31% 24.24% 25.45% 15.49% 39.11% 9.01% 2.75% -0.36%
Net Income Growth		 -20.03% -18.21% -13.31% 24.24% 25.45% 15.49% 39.11% 9.01% 2.75% -0.36%
EPS Growth		 -20.45% -18.42% -14.29% 23.33% 12.82% 5.56% 27.27% 3.45% 8.33% 0.00%
Operating Cash Flow Growth		 -69.29% 162.84% -52.47% 2.71% 3.02% -57.78% 63.66% 23.72% -6.33% 4.80%
Free Cash Flow Firm Growth		 186.25% 87.15% 93.82% -6.57% -219.34% -534.45% -658.17% -378.10% -683.02% 192.30%
Invested Capital Growth		 -16.70% 5.74% 3.78% 22.12% 30.69% 51.43% 48.70% 25.73% 12.31% -7.86%
Revenue Q/Q Growth		 -0.66% 0.84% 3.36% -3.12% -2.08% 0.19% 4.28% 4.44% 3.75% 10.29%
EBITDA Q/Q Growth		 11.06% -11.32% -1.50% -17.24% 15.27% -6.41% 34.48% -16.50% 5.67% 9.72%
EBIT Q/Q Growth		 10.10% -12.99% 0.21% -18.05% 15.08% -8.07% 41.32% -15.47% 5.73% 10.57%
NOPAT Q/Q Growth		 11.73% -13.49% -1.23% -16.24% 14.26% -8.30% 41.55% -15.42% 5.20% 10.45%
Net Income Q/Q Growth		 11.73% -13.49% -1.23% -16.24% 14.26% -8.30% 41.55% -15.42% 5.20% 10.45%
EPS Q/Q Growth		 12.90% -13.89% -2.70% -15.91% 15.79% -9.52% 40.00% -23.08% 8.33% 9.09%
Operating Cash Flow Q/Q Growth		 -74.79% 136.23% -42.76% -9.94% 115.84% -57.28% 23.68% -9.67% -11.55% 65.62%
Free Cash Flow Firm Q/Q Growth		 576.86% -118.56% 88.99% 24.86% 28.92% -5.08% -89.90% -125.17% -196.69% 35.00%
Invested Capital Q/Q Growth		 -16.14% 2.36% -1.41% -1.58% 6.45% 0.46% 16.02% 5.33% 23.35% -1.35%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 38.85% 34.75% 39.52% 41.47% 48.54% 41.24% 44.14% 34.23% 42.82% 42.04%
EBIT Margin		 37.06% 33.44% 38.75% 39.97% 47.25% 40.21% 43.82% 32.34% 39.95% 39.21%
Profit (Net Income) Margin		 29.77% 26.47% 30.85% 32.29% 37.35% 32.00% 34.97% 25.76% 31.81% 31.37%
Tax Burden Percent		 80.34% 79.17% 79.63% 80.78% 79.03% 79.60% 79.79% 79.67% 79.62% 80.02%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.66% 20.83% 20.37% 19.22% 20.97% 20.40% 20.21% 20.33% 20.38% 19.98%
Return on Invested Capital (ROIC)		 7.40% 6.24% 7.39% 8.27% 9.72% 9.28% 9.81% 7.40% 8.61% 9.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.40% 6.24% 7.39% 8.27% 9.72% 9.28% 9.81% 7.40% 8.61% 9.13%
Return on Net Nonoperating Assets (RNNOA)		 3.07% 3.31% 4.00% 3.88% 5.50% 4.14% 4.30% 2.40% 3.48% 2.48%
Return on Equity (ROE)		 10.47% 9.54% 11.39% 12.15% 15.22% 13.42% 14.11% 9.80% 12.09% 11.60%
Cash Return on Invested Capital (CROIC)		 25.64% 1.89% 4.23% -11.17% -18.13% -31.87% -30.47% -14.19% -3.15% 17.56%
Operating Return on Assets (OROA)		 1.54% 1.36% 1.62% 1.69% 2.14% 1.82% 1.94% 1.36% 1.70% 1.63%
Return on Assets (ROA)		 1.24% 1.08% 1.29% 1.36% 1.69% 1.45% 1.54% 1.08% 1.35% 1.30%
Return on Common Equity (ROCE)		 10.47% 9.54% 11.39% 12.15% 15.22% 13.42% 14.11% 9.80% 12.09% 11.60%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 10.75% 11.65% 12.33% 0.00% 11.93% 11.58% 10.67% 0.00% 12.44%
Net Operating Profit after Tax (NOPAT)		 36 32 37 38 45 39 43 30 36 34
NOPAT Margin		 29.77% 26.47% 30.85% 32.29% 37.35% 32.00% 34.97% 25.76% 31.81% 31.37%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 43.64% 44.26% 42.56% 43.24% 41.89% 41.08% 41.60% 41.41% 39.83% 42.59%
Operating Expenses to Revenue		 57.55% 57.81% 54.74% 56.39% 54.30% 54.99% 53.90% 60.84% 51.93% 55.32%
Earnings before Interest and Taxes (EBIT)		 45 41 47 46 57 49 54 38 45 42
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 47 42 48 48 58 51 54 40 48 46
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.22 1.24 1.03 1.05 1.15 0.96 1.01 0.99 1.15 1.09
Price to Tangible Book Value (P/TBV)		 1.67 1.70 1.43 1.48 1.63 1.40 1.47 1.44 1.63 1.57
Price to Revenue (P/Rev)		 3.57 3.65 2.93 2.91 3.14 2.52 2.70 2.78 2.93 2.82
Price to Earnings (P/E)		 11.99 11.50 8.84 8.51 9.63 8.09 8.71 9.27 9.40 8.76
Dividend Yield		 3.07% 2.99% 3.68% 3.65% 3.34% 4.19% 4.01% 4.09% 3.68% 3.94%
Earnings Yield		 8.34% 8.69% 11.32% 11.75% 10.38% 12.37% 11.48% 10.79% 10.63% 11.41%
Enterprise Value to Invested Capital (EV/IC)		 1.10 0.88 0.93 0.88 1.02 0.81 0.78 0.76 1.00 0.93
Enterprise Value to Revenue (EV/Rev)		 4.01 3.84 3.94 3.79 4.46 3.35 3.31 2.94 3.91 3.07
Enterprise Value to EBITDA (EV/EBITDA)		 10.39 9.36 9.23 8.63 10.59 8.25 8.12 7.31 9.29 7.05
Enterprise Value to EBIT (EV/EBIT)		 10.77 9.65 9.48 8.84 10.88 8.56 8.52 7.83 10.02 7.63
Enterprise Value to NOPAT (EV/NOPAT)		 13.46 12.11 11.90 11.08 13.69 10.75 10.68 9.81 12.52 9.54
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.82 11.48 14.89 12.00 14.26 10.64 8.59 8.07 10.60 7.86
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.89 47.78 22.34 0.00 0.00 0.00 0.00 0.00 0.00 5.09
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.24 0.48 0.49 0.55 0.60 0.59 0.59 0.38 0.53 0.27
Long-Term Debt to Equity		 0.19 0.10 0.10 0.14 0.14 0.15 0.15 0.15 0.17 0.18
Financial Leverage		 0.41 0.53 0.54 0.47 0.57 0.45 0.44 0.32 0.40 0.27
Leverage Ratio		 8.47 8.83 8.84 8.92 8.99 9.28 9.14 9.05 8.95 8.92
Compound Leverage Factor		 8.47 8.83 8.84 8.92 8.99 9.28 9.14 9.05 8.95 8.92
Debt to Total Capital		 19.63% 32.38% 33.10% 35.49% 37.38% 37.08% 37.20% 27.58% 34.49% 21.46%
Short-Term Debt to Total Capital		 4.58% 25.85% 26.40% 26.46% 28.48% 27.59% 27.66% 16.49% 23.21% 7.52%
Long-Term Debt to Total Capital		 15.04% 6.54% 6.71% 9.03% 8.90% 9.49% 9.54% 11.09% 11.28% 13.94%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 80.37% 67.62% 66.90% 64.52% 62.62% 62.92% 62.80% 72.42% 65.51% 78.54%
Debt to EBITDA		 1.86 3.44 3.30 3.47 3.87 3.79 3.89 2.66 3.21 1.62
Net Debt to EBITDA		 1.14 0.47 2.38 2.00 3.14 2.04 1.50 0.40 2.31 0.57
Long-Term Debt to EBITDA		 1.42 0.69 0.67 0.88 0.92 0.97 1.00 1.07 1.05 1.06
Debt to NOPAT		 2.41 4.45 4.25 4.46 5.00 4.94 5.12 3.57 4.32 2.20
Net Debt to NOPAT		 1.47 0.61 3.06 2.57 4.06 2.66 1.97 0.54 3.12 0.78
Long-Term Debt to NOPAT		 1.84 0.90 0.86 1.13 1.19 1.26 1.31 1.44 1.41 1.43
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 386 -81 -37 -337 -448 -630 -600 -316 -140 145
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 7.04 -1.40 -0.67 -6.33 -9.23 -14.96 -17.94 -15.62 -17.00 43.44
Operating Cash Flow to Interest Expense		 0.25 0.93 0.41 0.75 0.91 0.48 1.43 1.91 5.18 14.46
Operating Cash Flow Less CapEx to Interest Expense		 0.25 0.93 0.41 0.75 0.91 0.48 1.43 1.91 5.18 14.46
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.05 0.05 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 4.03 3.98 3.94 3.87 4.09 3.90 3.74 3.47 3.48 3.32
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,748 2,085 2,037 2,066 2,099 1,972 1,963 1,692 1,606 1,302
Invested Capital Turnover		 0.25 0.24 0.24 0.26 0.26 0.29 0.28 0.29 0.27 0.29
Increase / (Decrease) in Invested Capital		 -351 113 74 374 493 670 643 346 176 -111
Enterprise Value (EV)		 1,919 1,836 1,888 1,822 2,150 1,591 1,524 1,282 1,605 1,213
Market Capitalization		 1,709 1,743 1,402 1,399 1,513 1,197 1,243 1,211 1,205 1,115
Book Value per Share		 $13.81 $13.77 $13.32 $13.03 $12.87 $12.11 $11.98 $11.89 $11.27 $10.95
Tangible Book Value per Share		 $10.04 $10.02 $9.56 $9.26 $9.09 $8.33 $8.20 $8.14 $7.92 $7.60
Total Capital		 1,748 2,085 2,037 2,066 2,099 1,972 1,963 1,692 1,606 1,302
Total Debt		 343 675 674 733 785 731 730 467 554 279
Total Long-Term Debt		 263 136 137 186 187 187 187 188 181 181
Net Debt		 210 93 486 423 638 394 281 71 400 99
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 343 675 674 733 785 731 730 467 554 279
Total Depreciation and Amortization (D&A)		 2.16 1.60 0.93 1.74 1.55 1.26 0.40 2.23 3.22 3.07
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.36 $0.31 $0.36 $0.37 $0.45 $0.38 $0.42 $0.30 $0.39 $0.36
Adjusted Weighted Average Basic Shares Outstanding		 101.91M 102.07M 102.05M 101.98M 101.56M 102.16M 102.53M 99.56M 93.61M 93.19M
Adjusted Diluted Earnings per Share		 $0.35 $0.31 $0.36 $0.37 $0.44 $0.38 $0.42 $0.30 $0.39 $0.36
Adjusted Weighted Average Diluted Shares Outstanding		 102.21M 102.42M 102.29M 102.20M 101.82M 102.44M 102.76M 99.78M 93.89M 93.45M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 101.85M 101.78M 102.36M 102.30M 204.49M 102.11M 102.41M 102.89M 206.14M 93.38M
Normalized Net Operating Profit after Tax (NOPAT)		 36 32 37 38 45 40 43 37 37 34
Normalized NOPAT Margin		 30.02% 26.56% 30.91% 32.47% 37.53% 32.28% 34.93% 31.59% 32.79% 31.74%
Pre Tax Income Margin		 37.06% 33.44% 38.75% 39.97% 47.25% 40.21% 43.82% 32.34% 39.95% 39.21%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.81 0.70 0.84 0.87 1.17 1.17 1.60 1.88 5.44 12.71
NOPAT to Interest Expense		 0.65 0.56 0.67 0.71 0.92 0.93 1.28 1.49 4.33 10.17
EBIT Less CapEx to Interest Expense		 0.81 0.70 0.84 0.87 1.17 1.17 1.60 1.88 5.44 12.71
NOPAT Less CapEx to Interest Expense		 0.65 0.56 0.67 0.71 0.92 0.93 1.28 1.49 4.33 10.17
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 36.90% 34.40% 32.53% 31.15% 32.35% 33.29% 33.40% 35.28% 34.78% 34.83%
Augmented Payout Ratio		 45.75% 37.97% 36.41% 40.27% 41.88% 42.82% 44.59% 47.41% 46.95% 59.66%

Frequently Asked Questions About First Commonwealth Financial's Financials

When does First Commonwealth Financial's fiscal year end?

According to the most recent income statement we have on file, First Commonwealth Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has First Commonwealth Financial's net income changed over the last 10 years?

First Commonwealth Financial's net income appears to be on an upward trend, with a most recent value of $142.57 million in 2024, rising from $44.45 million in 2014. The previous period was $157.06 million in 2023. See First Commonwealth Financial's forecast for analyst expectations on what’s next for the company.

How has First Commonwealth Financial revenue changed over the last 10 years?

Over the last 10 years, First Commonwealth Financial's total revenue changed from $244.54 million in 2014 to $478.12 million in 2024, a change of 95.5%.

How much debt does First Commonwealth Financial have?

First Commonwealth Financial's total liabilities were at $10.18 billion at the end of 2024, a 0.3% increase from 2023, and a 80.4% increase since 2014.

How much cash does First Commonwealth Financial have?

In the past 10 years, First Commonwealth Financial's cash and equivalents has ranged from $66.64 million in 2015 to $125.44 million in 2023, and is currently $105.05 million as of their latest financial filing in 2024.

How has First Commonwealth Financial's book value per share changed over the last 10 years?

Over the last 10 years, First Commonwealth Financial's book value per share changed from 7.81 in 2014 to 13.81 in 2024, a change of 76.8%.


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This page (NYSE:FCF) was last updated on 5/22/2025 by MarketBeat.com Staff
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