FCF
Neutral signalScored 2026-08-10 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
First Commonwealth Financial Corporation
- Nom
- First Commonwealth Financial Corporation
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $2.1B
- Employés
- 1,589
- PDG
- Thomas Michael Price
- Site web
- https://www.fcbanking.com
- Marché
- BLXCCBCHCOFRMELKFNNIC
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company’s consumer services include internet, mobile, and telephone banking; an automated teller machine network; personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 15 000 titres (~325 050,00 $ US)
- Insiders
- Grebenc Jane
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$79,108
Avg sell (VWAP, 90d window) $21.44 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$8,002 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-08-06
- Last synced
-
2026-08-12 09:47:22
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-05 | Reske James R | Sell · S · 10b5-1 | 200 | $20.54 | $4,108 | Form 4 |
| 2026-09-04 | Reske James R | Sell · S · 10b5-1 | 90 | $21.30 | $1,917 | Form 4 |
| 2026-08-10 | Lyon Lee E II | Sell · S | 3,000 | $21.46 | $64,368 | Form 4 |
| 2026-08-06 | Grebenc Jane | Sell · S | 310 | $21.73 | $6,738 | Form 4 |
| 2026-08-05 | Reske James R | Sell · S · 10b5-1 | 90 | $21.96 | $1,976 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-10 Drivers: fundamentals. Moteurs : fondamentaux.
FCF presents a critically weak liquidity profile (current ratio 0.37, interest coverage below 1.0) that severely undermines the modest fundamental recovery observed in 2025, keeping the composite financial score well…
The first sentence of the analysis written for FCF on 2026-08-10 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.37 · operating margin 27% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 67.6% | 64.2% | 74.6% | 90.9% | 96.5% | |
| Ebit Margin | 27.2% | 25.5% | 31.5% | 37.4% | 43.1% | |
| Ebitda Margin | 28.1% | 26.3% | 32.2% | 39.8% | 46.0% | |
| Operating Profit Margin | 27.2% | 25.5% | 31.5% | 37.4% | 43.1% | |
| Pretax Profit Margin | 26.2% | 25.5% | 31.5% | 37.4% | 43.1% | |
| Continuous Operations Profit Margin | 20.9% | 20.4% | 25.1% | 29.9% | 34.5% | |
| Net Profit Margin | 20.9% | 20.4% | 25.1% | 29.9% | 34.5% | |
| Bottom Line Profit Margin | 20.9% | 20.4% | 25.1% | 29.9% | 34.5% | |
| Current Ratio | 0.367 | 0.131 | 0.119 | 0.109 | 0.177 | |
| Quick Ratio | 0.367 | 0.131 | 0.119 | 0.109 | 0.177 | |
| Solvency Ratio | 0.015 | 0.015 | 0.016 | 0.016 | 0.018 | |
| Cash Ratio | 0.367 | 0.014 | 0.015 | 0.018 | 0.049 | |
| Price To Earnings Ratio | 11.392 | 12.086 | 9.961 | 10.197 | 10.946 | |
| Price To Earnings Growth Ratio | 1.994 | -1.249 | 0.758 | -1.499 | 0.117 | |
| Forward Price To Earnings Growth Ratio | 1.994 | -1.249 | 0.758 | -1.499 | 0.117 | |
| Price To Earnings Diluted Ratio | 11.469 | 12.173 | 10.026 | 10.197 | 11.174 | |
| Price To Earnings Diluted Growth Ratio | 1.993 | -1.250 | 0.808 | -2.098 | 0.121 | |
| Price To Book Ratio | 1.115 | 1.227 | 1.193 | 1.243 | 1.367 | |
| Price To Sales Ratio | 2.377 | 2.464 | 2.502 | 3.051 | 3.785 | |
| Price To Free Cash Flow Ratio | 10.118 | 15.137 | 12.181 | 9.327 | 9.820 | |
| Price To Operating Cash Flow Ratio | 9.245 | 13.319 | 10.401 | 8.637 | 9.187 | |
| Debt To Assets Ratio | 0.037 | 0.030 | 0.068 | 0.056 | 0.034 | |
| Debt To Equity Ratio | 0.291 | 0.244 | 0.597 | 0.527 | 0.289 | |
| Debt To Capital Ratio | 0.225 | 0.196 | 0.374 | 0.345 | 0.224 | |
| Long Term Debt To Capital Ratio | 0.077 | 0.155 | 0.121 | 0.143 | 0.137 | |
| Financial Leverage Ratio | 7.956 | 8.245 | 8.719 | 9.320 | 8.604 | |
| Working Capital Turnover Ratio | -0.169 | -0.082 | -0.078 | -0.061 | -0.061 | |
| Operating Cash Flow Ratio | 0.667 | 0.013 | 0.015 | 0.018 | 0.020 | |
| Operating Cash Flow Sales Ratio | 0.257 | 0.185 | 0.241 | 0.353 | 0.412 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.914 | 0.880 | 0.854 | 0.926 | 0.936 | |
| Debt Service Coverage Ratio | 0.340 | 0.492 | 0.217 | 0.355 | 0.975 | |
| Interest Coverage Ratio | 0.960 | 0.804 | 1.369 | 9.034 | 11.297 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.667 | 1.615 | 0.252 | 0.406 | 1.193 | |
| Operating Cash Flow Coverage Ratio | 0.415 | 0.377 | 0.192 | 0.273 | 0.515 | |
| Capital Expenditure Coverage Ratio | 11.656 | 8.328 | 6.842 | 13.511 | 15.513 | |
| Dividend Paid And Capex Coverage Ratio | 2.620 | 1.900 | 2.070 | 2.714 | 3.042 | |
| Dividend Payout Ratio | 0.364 | 0.369 | 0.324 | 0.348 | 0.315 | |
| Enterprise Value Multiple | 10.177 | 10.511 | 10.937 | 10.000 | 7.823 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 67.6% | ▲3.4% | ▼-11.2% |
| Ebit Margin | 27.2% | ▲1.7% | ▼-5.8% |
| Ebitda Margin | 28.1% | ▲1.8% | ▼-6.4% |
| Operating Profit Margin | 27.2% | ▲1.7% | ▼-5.8% |
| Pretax Profit Margin | 26.2% | ▲0.8% | ▼-6.5% |
| Continuous Operations Profit Margin | 20.9% | ▲0.5% | ▼-5.3% |
| Net Profit Margin | 20.9% | ▲0.5% | ▼-5.3% |
| Bottom Line Profit Margin | 20.9% | ▲0.5% | ▼-5.3% |
| Current Ratio | 0.367 | ▲0.236 | ▲0.186 |
| Quick Ratio | 0.367 | ▲0.236 | ▲0.186 |
| Solvency Ratio | 0.015 | ▲0.000 | ▼-0.001 |
| Cash Ratio | 0.367 | ▲0.354 | ▲0.275 |
| Price To Earnings Ratio | 11.392 | ▼-0.694 | ▲0.476 |
| Price To Earnings Growth Ratio | 1.994 | ▲3.242 | ▲1.969 |
| Forward Price To Earnings Growth Ratio | 1.994 | ▲3.242 | ▲1.969 |
| Price To Earnings Diluted Ratio | 11.469 | ▼-0.703 | ▲0.462 |
| Price To Earnings Diluted Growth Ratio | 1.993 | ▲3.243 | ▲2.078 |
| Price To Book Ratio | 1.115 | ▼-0.112 | ▼-0.114 |
| Price To Sales Ratio | 2.377 | ▼-0.087 | ▼-0.459 |
| Price To Free Cash Flow Ratio | 10.118 | ▼-5.019 | ▼-1.198 |
| Price To Operating Cash Flow Ratio | 9.245 | ▼-4.074 | ▼-0.912 |
| Debt To Assets Ratio | 0.037 | ▲0.007 | ▼-0.008 |
| Debt To Equity Ratio | 0.291 | ▲0.047 | ▼-0.099 |
| Debt To Capital Ratio | 0.225 | ▲0.029 | ▼-0.048 |
| Long Term Debt To Capital Ratio | 0.077 | ▼-0.078 | ▼-0.049 |
| Financial Leverage Ratio | 7.956 | ▼-0.289 | ▼-0.613 |
| Working Capital Turnover Ratio | -0.169 | ▼-0.087 | ▼-0.079 |
| Operating Cash Flow Ratio | 0.667 | ▲0.654 | ▲0.520 |
| Operating Cash Flow Sales Ratio | 0.257 | ▲0.072 | ▼-0.033 |
| Free Cash Flow Operating Cash Flow Ratio | 0.914 | ▲0.034 | ▲0.012 |
| Debt Service Coverage Ratio | 0.340 | ▼-0.152 | ▼-0.136 |
| Interest Coverage Ratio | 0.960 | ▲0.156 | ▼-3.733 |
| Short Term Operating Cash Flow Coverage Ratio | 0.667 | ▼-0.948 | ▼-0.160 |
| Operating Cash Flow Coverage Ratio | 0.415 | ▲0.037 | ▲0.060 |
| Capital Expenditure Coverage Ratio | 11.656 | ▲3.329 | ▲0.486 |
| Dividend Paid And Capex Coverage Ratio | 2.620 | ▲0.720 | ▲0.151 |
| Dividend Payout Ratio | 0.364 | ▼-0.005 | ▲0.020 |
| Enterprise Value Multiple | 10.177 | ▼-0.334 | ▲0.287 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.73B | $1.72B | $1.57B | $1.31B | $1.52B | |
| Enterprise value | $2.08B | $1.93B | $2.21B | $1.71B | $1.44B | |
| EV / Sales | 2.86x | 2.76x | 3.52x | 3.98x | 3.60x | |
| EV / Op. cash flow | 11.11x | 14.94x | 14.63x | 11.28x | 8.73x | |
| EV / Free cash flow | 12.15x | 16.98x | 17.13x | 12.18x | 9.34x | |
| EV / EBITDA | 10.18x | 10.51x | 10.94x | 10.00x | 7.82x | |
| Net debt / EBITDA | 1.71x | 1.14x | 3.16x | 2.34x | -0.41x | |
| Current ratio | 0.37x | 0.13x | 0.12x | 0.11x | 0.18x | |
| Income quality | 1.23x | 0.91x | 0.96x | 1.18x | 1.19x | |
| Graham number | $22 | $21 | $21 | $19 | $20 | |
| Graham net-net | -$104 | -$87 | -$88 | -$84 | -$74 | |
| Tax burden | 79.6% | 80.0% | 79.5% | 80.0% | 80.0% | |
| Interest burden | 96.5% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$177.9M | -$8.48B | -$8.62B | -$7.46B | -$6.68B | |
| Invested capital | $336.6M | -$7.98B | -$8.11B | -$7.03B | -$6.25B | |
| Return on assets | 1.2% | 1.2% | 1.4% | 1.3% | 1.4% | |
| Operating ROA | 1.7% | 1.5% | 1.9% | 1.7% | 1.9% | |
| Return on tangible assets | 1.3% | 1.3% | 1.4% | 1.4% | 1.5% | |
| Return on equity | 9.8% | 10.1% | 12.0% | 12.2% | 12.5% | |
| Return on invested capital | 1.3% | 7.5% | 6.9% | 7.1% | 8.8% | |
| Return on capital employed | 1.6% | 9.8% | 11.8% | 11.2% | 12.1% | |
| Earnings yield | 8.8% | 8.3% | 10.0% | 9.8% | 9.1% | |
| Free cash flow yield | 9.9% | 6.6% | 8.2% | 10.7% | 10.2% | |
| Capex / Op. cash flow | 8.6% | 12.0% | 14.6% | 7.4% | 6.4% | |
| Capex / Depreciation | 242.1% | 273.3% | 536.9% | 106.2% | 93.0% | |
| Capex / Sales | 2.2% | 2.2% | 3.5% | 2.6% | 2.7% | |
| SG&A / Sales | 13.0% | 23.0% | 24.7% | 31.2% | 31.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Intangibles / Total assets | 3.2% | 3.3% | 3.4% | 3.2% | 3.3% | |
| Days sales outstanding | 0d | 0d | 0d | 0d | 0d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 0d | 0d | 0d | 0d | |
| Cash conversion cycle | 0d | 0d | 0d | 0d | 0d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
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