ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Commonwealth Financial Corp. (Pennsylvania) ?
1
High Profitability with a Net Interest Margin of 6.52%
2
Positive results in Jun 25
- NII(Q) Highest at USD 106.24 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 42%
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROA of 0.96%, it has a fair valuation with a 1.35 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -7.38%, its profits have fallen by -15.9%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -7.38% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First Commonwealth Financial Corp. (Pennsylvania) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First Commonwealth Financial Corp. (Pennsylvania) for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
First Commonwealth Financial Corp. (Pennsylvania)
8.02%
1.27
26.43%
S&P 500
17.78%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.00%
EBIT Growth (5y)
10.28%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
36.36%
Pledged Shares
0
Institutional Holding
80.04%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.31
EV to EBIT
12.94
EV to EBITDA
12.50
EV to Capital Employed
1.27
EV to Sales
3.63
PEG Ratio
NA
Dividend Yield
0.72%
ROCE (Latest)
9.81%
ROE (Latest)
9.31%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at USD 113.2 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 163.93 MM
OPERATING PROFIT(Q)
Highest at USD 57.24 MM
OPERATING PROFIT MARGIN(Q)
Highest at 34.92 %
PRE-TAX PROFIT(Q)
Highest at USD 57.67 MM
NET PROFIT(Q)
Highest at USD 45.85 MM
EPS(Q)
Highest at USD 0.43
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 92.75%
Here's what is working for First Commonwealth Financial Corp. (Pennsylvania)
NII
Highest at USD 113.2 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 163.93 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 57.24 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 34.92 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 57.67 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 45.85 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.43
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for First Commonwealth Financial Corp. (Pennsylvania)
Credit Deposit Ratio
Lowest at 92.75%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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