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FIRST COMMONWEALTH FINANCIAL CORP /PA/ FCF

NYSE · stock · National Commercial Banks · website · IPO 1992-06-10

FIRST COMMONWEALTH FINANCIAL CORP /PA/ statistics & valuation

Market cap$2.1B
P / E13.7×
P / B1.3×
P / FCF12.2×
Dividend yield2.66%
Return on equity9.8%
Graham number +3.1%$22.28

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($22.28); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
7.90% 6.20% 11.00% 10.00% 6.90% 12.50% 12.20% 12.00% 10.10% 9.80% 2016201720182019202020212022202320242025
Shares outstanding
89.0M 97.5M 99.2M 98.6M 97.8M 95.8M 93.9M 102.1M 102.2M 103.5M 2016201720182019202020212022202320242025
Net debt ($)
-$34.8M -$19.4M $86.1M $112.3M -$123.3M -$213.1M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.80% 1.40% 1.30% 0.80% 1.40% 1.30% 1.40% 1.20% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.11× 0.10× 0.19× 0.22× 0.22× 0.16× 2016201720182019202020212022202320242025
EPS ($)
$0.67 $0.58 $1.08 $1.07 $0.75 $1.44 $1.37 $1.54 $1.39 $1.47 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

FIRST COMMONWEALTH FINANCIAL CORP /PA/ trades at about 14.7× earnings — above its 10-year norm (10-year range 9.1×–24.9×, median 12.6×).

9.1× 24.9×

Shaded band = 10-year range (9.1×–24.9×); dot = today's 14.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.2%1.2%1.4%1.3%1.4%0.8%1.3%1.4%0.8%0.9%
Return on equity9.8%10.1%12.0%12.2%12.5%6.9%10.0%11.0%6.2%7.9%
Debt / equity————0.16×0.22×0.22×0.19×0.10×0.11×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.