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)
9.98%
1.27
26.43%
S&P 500
13.66%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.93%
EBIT Growth (5y)
8.09%
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
36.92%
Pledged Shares
0
Institutional Holding
83.51%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.35
EV to EBIT
11.74
EV to EBITDA
11.43
EV to Capital Employed
1.33
EV to Sales
3.41
PEG Ratio
NA
Dividend Yield
1.42%
ROCE (Latest)
11.30%
ROE (Latest)
9.83%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NII(Q)
Highest at USD 106.24 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 42%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 158.93 MM
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for First Commonwealth Financial Corp. (Pennsylvania)
NII
Highest at USD 106.24 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 158.93 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 42%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for First Commonwealth Financial Corp. (Pennsylvania)
Non Performing Loans (%)
Highest at 1.04%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
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