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STOCKS

First Commonwealth Financial Corp. (FCF)

NYSE:FCF

FCF

First Commonwealth

RESEARCH TOOLSreports

First Commonwealth (FCF) Ratios

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130 Followers

First Commonwealth Ratios

FCF's free cash flow for Q4 2025 was $0.73. For the 2025 fiscal year, FCF's free cash flow was decreased by $ and operating cash flow was $0.34. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.27	0.27	0.13	0.12	0.11
Quick Ratio	0.27	0.27	0.13	0.12	0.11
Cash Ratio	0.02	0.02	0.01	0.02	0.02
Solvency Ratio	0.01	0.01	0.01	0.02	0.02
Operating Cash Flow Ratio	0.04	0.04	0.01	0.02	0.02
Short-Term Operating Cash Flow Coverage	1.27	1.27	1.62	0.25	0.41
Net Current Asset Value	$ -9.63B	$ -9.63B	$ -8.90B	$ -8.98B	$ -7.84B
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.03	0.03	0.07	0.06
Debt-to-Equity Ratio	0.26	0.26	0.24	0.60	0.53
Debt-to-Capital Ratio	0.21	0.21	0.20	0.37	0.34
Long-Term Debt-to-Capital Ratio	0.14	0.14	0.16	0.12	0.14
Financial Leverage Ratio	7.94	7.94	8.24	8.72	9.32
Debt Service Coverage Ratio	0.47	0.47	0.49	0.22	0.36
Interest Coverage Ratio	0.96	0.96	0.80	1.37	9.03
Debt to Market Cap	0.23	0.24	0.20	0.49	0.42
Interest Debt Per Share	5.99	5.99	5.54	9.15	6.11
Net Debt to EBITDA	1.50	1.50	1.14	3.16	2.34
Profitability Margins
Gross Profit Margin	67.60%	67.60%	64.16%	74.60%	90.94%
EBIT Margin	27.19%	27.19%	25.47%	31.53%	37.37%
EBITDA Margin	28.06%	28.06%	26.30%	32.18%	39.83%
Operating Profit Margin	27.19%	27.19%	25.47%	31.53%	37.37%
Pretax Profit Margin	26.23%	26.23%	25.47%	31.53%	37.37%
Net Profit Margin	20.88%	20.88%	20.38%	25.07%	29.90%
Continuous Operations Profit Margin	20.88%	20.88%	20.38%	25.07%	29.90%
Net Income Per EBT	79.59%	79.59%	80.00%	79.50%	80.02%
EBT Per EBIT	96.47%	96.47%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.23%	1.23%	1.23%	1.37%	1.31%
Return on Equity (ROE)	10.05%	9.80%	10.15%	11.95%	12.18%
Return on Capital Employed (ROCE)	2.47%	2.47%	9.76%	11.83%	11.22%
Return on Invested Capital (ROIC)	-6.04%	-6.04%	7.48%	6.93%	7.12%
Return on Tangible Assets	1.28%	1.28%	1.27%	1.42%	1.35%
Earnings Yield	8.60%	8.78%	8.27%	9.94%	9.80%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	6.03	5.18	3.72
Asset Turnover	0.06	0.06	0.06	0.05	0.04
Working Capital Turnover Ratio	-0.12	-0.13	-0.08	-0.08	-0.06
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	1.82	1.82	1.27	1.48	1.62
Free Cash Flow Per Share	1.67	1.82	1.12	1.27	1.50
CapEx Per Share	0.15	0.16	0.15	0.22	0.12
Free Cash Flow to Operating Cash Flow	0.92	1.00	0.88	0.85	0.93
Dividend Paid and CapEx Coverage Ratio	2.64	2.62	1.90	2.07	2.71
Capital Expenditure Coverage Ratio	12.16	11.66	8.33	6.84	13.51
Operating Cash Flow Coverage Ratio	0.46	0.46	0.38	0.19	0.27
Operating Cash Flow to Sales Ratio	0.26	0.26	0.19	0.24	0.35
Free Cash Flow Yield	9.64%	10.82%	6.61%	8.15%	10.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.63	11.38	12.09	10.06	10.20
Price-to-Sales (P/S) Ratio	2.45	2.38	2.46	2.52	3.05
Price-to-Book (P/B) Ratio	1.14	1.12	1.23	1.20	1.24
Price-to-Free Cash Flow (P/FCF) Ratio	10.38	9.25	15.14	12.28	9.33
Price-to-Operating Cash Flow Ratio	9.44	9.25	13.32	10.48	8.64
Price-to-Earnings Growth (PEG) Ratio	2.02	1.99	-1.25	0.77	-1.50
Price-to-Fair Value	1.14	1.12	1.23	1.20	1.24
Enterprise Value Multiple	10.23	9.97	10.51	11.00	10.00
Enterprise Value	2.09B	2.04B	1.93B	2.22B	1.71B
EV to EBITDA	10.22	9.97	10.51	11.00	10.00
EV to Sales	2.87	2.80	2.76	3.54	3.98
EV to Free Cash Flow	12.16	10.88	16.98	17.23	12.18
EV to Operating Cash Flow	11.16	10.88	14.94	14.71	11.28
Tangible Book Value Per Share	11.22	11.22	10.03	9.14	7.90
Shareholders’ Equity Per Share	15.11	15.11	13.79	12.94	11.24
Tax and Other Ratios
Effective Tax Rate	0.20	0.20	0.20	0.20	0.20
Revenue Per Share	7.09	7.09	6.87	6.17	4.58
Net Income Per Share	1.48	1.48	1.40	1.55	1.37
Tax Burden	0.80	0.80	0.80	0.80	0.80
Interest Burden	0.96	0.96	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.12	0.12	0.22	0.24	0.30
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	1.23	1.23	0.91	0.96	1.18

Currency in USD