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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
First Commonwealth Financial Corporation is a regional bank holding company based in Indiana, Pennsylvania that provides commercial and consumer banking, payments and wealth services through a network of branches in its core markets. Its long-term growth may be supported by net interest income sensitivity to rates, modest loan and deposit expansion, service fee income and efficiency gains.
Principal risks are credit deterioration (including commercial real estate and commercial lending), deposit competition and outflows, interest-rate volatility affecting margins, and local-market concentration and regulatory costs.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 191.36M | 178.21M | 197.56M | 160.19M | 172.82M |
| Net income | 152.30M | 142.57M | 157.06M | 128.18M | 138.26M |
| Selling general administrative | 88.16M | 155.26M | 149.13M | 128.90M | 134.41M |
| Selling and marketing expenses | 6.45M | 5.54M | 5.71M | 5.03M | 4.98M |
| Gross profit | 493.12M | 448.95M | 467.47M | 380.23M | 358.63M |
| Reconciled depreciation | 6.63M | 5.69M | 5.59M | 3.20M | 3.50M |
| Ebit | 198.36M | 178.32M | 197.56M | 185.27M | 172.82M |
| Ebitda | 204.68M | 184.01M | 201.66M | 188.47M | 176.31M |
| Depreciation and amortization | 6.32M | 5.69M | 4.10M | 3.20M | 3.50M |
| Operating income | 198.36M | 178.21M | 197.56M | 185.27M | 172.82M |
| Other operating expenses | 531.08M | 521.49M | 429.05M | 5.03M | -212.48M |
| Interest expense | 206.60M | 221.57M | 144.32M | 17.73M | 15.30M |
| Tax provision | 39.06M | 35.64M | 37.75M | 32.04M | 34.56M |
| Interest income | 629.99M | 598.41M | 479.52M | 329.95M | 293.84M |
| Net interest income | 423.39M | 376.84M | 375.47M | 312.22M | 278.54M |
| Extraordinary items | - | - | - | 0.03M | 0.09M |
| Income tax expense | 39.06M | 35.64M | 40.49M | 32.00M | 34.56M |
| Total revenue | 729.44M | 699.69M | 626.61M | 410.93M | 385.30M |
| Total operating expenses | 294.76M | 270.75M | 269.92M | 5.03M | -212.48M |
| Cost of revenue | 236.32M | 250.74M | 159.13M | 30.70M | 26.66M |
| Total other income expense net | -7.00M | -57.12M | -63.67M | -25.09M | 170.49M |
| Net income from continuing ops | 152.30M | 142.57M | 147.97M | 128.18M | 138.26M |
| Net income applicable to common shares | 152.30M | 142.57M | 157.06M | 128.18M | 138.26M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 12366.07M | 11584.94M | 11459.49M | 9805.67M | 9545.09M |
| Intangible assets | 22.02M | 19.64M | 22.82M | 9.21M | 11.19M |
| Earning assets | - | - | - | - | 1924.75M |
| Other current assets | -975.41M | - | 147.41M | 495.29M | 240.89M |
| Total liab | 10811.70M | 10179.77M | 10145.21M | 8753.59M | 8435.72M |
| Total stockholder equity | 1554.38M | 1405.16M | 1314.27M | 1052.07M | 1109.37M |
| Other current liab | -133.18M | 9678.02M | 9192.31M | -87.69M | -138.31M |
| Common stock | 126.60M | 123.60M | 123.60M | 113.92M | 113.92M |
| Capital stock | 126.60M | 123.60M | 123.60M | 113.92M | 113.92M |
| Retained earnings | 1067.89M | 971.08M | 881.11M | 774.86M | 691.26M |
| Other liab | - | - | - | 59.76M | 132.64M |
| Good will | 378.21M | 363.71M | 363.71M | 303.33M | 303.33M |
| Other assets | 10787.04M | 9832.80M | -147.41M | 7210.89M | 6064.68M |
| Cash | 103.28M | 133.41M | 146.99M | 154.24M | 395.37M |
| Total current liabilities | 281.15M | 9758.16M | 9790.14M | 285.00M | 138.31M |
| Net debt | 349.06M | 209.72M | 637.60M | 399.67M | -74.79M |
| Short term debt | 281.15M | 80.14M | 597.84M | 372.69M | 138.31M |
| Short long term debt | 125.00M | 55.00M | 563.00M | 372.69M | 138.31M |
| Short long term debt total | 452.33M | 343.12M | 784.59M | 553.92M | 320.58M |
| Other stockholder equity | 424.48M | 412.99M | 421.31M | 300.99M | 312.96M |
| Property plant equipment | 114.28M | 116.11M | 121.02M | 115.11M | 121.42M |
| Total current assets | 103.28M | 1281.03M | 1167.98M | 916.90M | 1449.59M |
| Long term investments | 1571.91M | 1584.22M | 1490.87M | 1250.24M | 1595.53M |
| Net tangible assets | - | - | - | 742.56M | 794.86M |
| Short term investments | 1052.49M | 1147.62M | 1020.99M | 789.08M | 1054.22M |
| Long term debt | 261.74M | 258.66M | 181.86M | 181.22M | 182.27M |
| Inventory | - | - | - | 0.53M | 1.04M |
| Accounts payable | - | - | - | 8005.47M | 7982.50M |
| Accumulated other comprehensive income | -64.60M | -102.51M | -111.76M | -137.69M | -8.77M |
| Common stock total equity | - | - | - | - | 113.92M |
| Retained earnings total equity | - | - | - | - | 691.26M |
| Treasury stock | - | - | - | - | -183.16M |
| Non currrent assets other | 366.10M | 451.01M | 433.22M | -1677.88M | -2030.82M |
| Non current assets total | 12262.79M | 10303.90M | 10291.51M | 1677.88M | 2030.82M |
| Capital lease obligations | 3.72M | 4.33M | 4.89M | 5.42M | 5.92M |
| Long term debt total | 261.74M | 128.31M | 177.74M | 181.22M | 182.27M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 79.91M | -121.72M | -609.33M | -588.79M | -569.82M |
| Change to liabilities | - | - | - | 0.00M | 10.25M |
| Total cashflows from investing activities | -388.14M | -121.72M | -574.27M | -588.79M | -565.30M |
| Net borrowings | 43.64M | -442.03M | 51.14M | 233.17M | -30.21M |
| Total cash from financing activities | 247.64M | -21.32M | 416.26M | 196.25M | 439.05M |
| Change to operating activities | - | - | - | 1.17M | -0.41M |
| Net income | 152.30M | 142.57M | 157.06M | 128.18M | 138.26M |
| Change in cash | 46.95M | -13.58M | -7.25M | -241.13M | 38.79M |
| Begin period cash flow | 133.41M | 146.99M | 154.24M | 395.37M | 356.58M |
| End period cash flow | 180.36M | 133.41M | 146.99M | 154.24M | 395.37M |
| Total cash from operating activities | 187.45M | 129.46M | 150.76M | 151.41M | 165.05M |
| Issuance of capital stock | 0.24M | 0.20M | 0.24M | 0.24M | 0.22M |
| Depreciation | 6.65M | 5.69M | 4.10M | 10.55M | 11.44M |
| Other cashflows from investing activities | -462.84M | 9.84M | -402.03M | -577.58M | 15.15M |
| Dividends paid | 55.49M | 52.60M | 50.81M | -44.58M | -43.61M |
| Change to account receivables | 0.13M | 3.28M | -8.84M | -6.85M | 5.88M |
| Sale purchase of stock | -35.79M | -12.63M | -14.96M | -15.60M | -31.30M |
| Other cashflows from financing activities | 295.04M | 485.74M | 430.66M | 257.39M | 564.89M |
| Change to netincome | - | - | - | 16.32M | 6.42M |
| Capital expenditures | 16.09M | 15.55M | 22.03M | 11.21M | 10.64M |
| Change receivables | - | - | - | - | 5.88M |
| Cash flows other operating | - | - | - | - | -11.98M |
| Cash and cash equivalents changes | - | - | - | - | 38.79M |
| Change in working capital | -0.91M | 3.68M | -8.45M | -10.23M | 16.14M |
| Stock based compensation | - | - | 3.80M | - | -18.88M |
| Other non cash items | 26.38M | -25.89M | -8.80M | 24.93M | 16.66M |
| Free cash flow | 171.36M | 113.92M | 128.72M | 140.21M | 154.41M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FCF First Commonwealth Financial |
0.19 0.91% |
21.02 | 13.00 | 10.96 | 4.27 | 1.38 | 4.44 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.34 0.15% |
230.68 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.44 1.32% |
33.67 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.52 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
601 Philadelphia Street, Indiana, PA, United States, 15701
724 349 7220
1589
| Name | Title | Year Born |
|---|---|---|
| Mr. Thomas Michael Price | Pres, CEO & Director | 1963 |
| Mr. James R. Reske CFA | Exec. VP, CFO & Treasurer | 1964 |
| Ms. Jane Grebenc | Exec. VP, Chief Revenue Officer & Director | 1959 |
| Mr. Ryan M. Thomas | VP / Fin. and Investor Relations | 1981 |
| Mr. Matthew C. Tomb | Exec. VP, Chief Risk Officer, Gen. Counsel & Sec. | 1977 |
| Ms. Linda D. Metzmaier | Chief Compliance Officer, Chief Compliance Officer & Sr. VP of First Commonwealth Bank | NA |
| Ms. Amy Jeffords | Assistant VP of Communications & Community Relations | NA |
| Jonathan E. Longwill | VP of Communications & Media Relations | NA |
| Ms. Carrie L. Riggle | Exec. VP of HR | 1970 |
| Mr. Leonard V. Lombardi CIA, CFSA | Exec. VP & Chief Audit Exec. | 1960 |
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