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First Commonwealth Financial Corporation (FCF) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

First Commonwealth Financial Corporation

FCFMarket cap $2.02BPrice $20.1

Country🇺🇸United States

SectorFinancials

IndustryBanks

First Commonwealth Financial runs community banking across Pennsylvania, Ohio, and Indiana, offering loans, deposits, and wealth management. With roots stretching back over a century, it's a regional lender that outlasted countless bigger names.

In Bastion Portfolios?

52W Return+29%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+8%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+9%–

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1+18%8

EPS Growth Y+2+10%7

EPS Growth Y+3+12%7

Quality

Margins

EBIT Margin0%5

Net Income Margin33%9

Free Cash Flow Margin35%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE11%5

ROA1%3

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)98

P/BV1.39

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%8

Dividend Yield2.8%7

Momentum

Short term

1 month return-6%4

3 month return-0%6

YTD return+22%8

Mid term

Price vs 52wHigh90%8

1 year return+23%7

Long term

3 year return+78%7

5 year return+65%6

Risk Shield

Price Risk

Beta0.76

Volatility21%9

Free Cash Flow

Free Cash Flow Margin35%9

Free Cash Flow Yield0.0%8

Quality

ROCE12%3

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

FCFFirst Commonwealth Financial

Revenue FY25$486M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+9%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+18%8

EPS growth, FY27E+10%7

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 9%/yr).

WATCH

Revenue is set to grow 9%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 8%/yr over the last 3 years and is set to keep growing around 9%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE64 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-0%6

YTD return+22%8

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return+23%7

3-year return+78%7

5-year return+65%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +78% over three years and +65% over five, ahead of 60% of the market.

It's up 23% over the past year, but 10% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+22%).

WATCH

Returns sit at the market level over the past month (-6%) and over three months (+0%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns and the stock sits near its highs. A reliable trend, if not the single hottest name in the market.

04Value

Are you paying a fair price for it?

Stop guessing on First Commonwealth Financial Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

FCFFirst Commonwealth Financial

Revenue FY25$486M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+9%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+18%8

EPS growth, FY27E+10%7

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 9%/yr).

WATCH

Revenue is set to grow 9%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 8%/yr over the last 3 years and is set to keep growing around 9%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE64 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-0%6

YTD return+22%8

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return+23%7

3-year return+78%7

5-year return+65%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +78% over three years and +65% over five, ahead of 60% of the market.

It's up 23% over the past year, but 10% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+22%).

WATCH

Returns sit at the market level over the past month (-6%) and over three months (+0%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns and the stock sits near its highs. A reliable trend, if not the single hottest name in the market.

04Value

Are you paying a fair price for it?

Stop guessing on First Commonwealth Financial Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community