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)
21.85%
1.27
26.43%
S&P 500
22.99%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.00%
EBIT Growth (5y)
10.32%
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
80.66%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.34
EV to EBIT
10.39
EV to EBITDA
10.02
EV to Capital Employed
1.36
EV to Sales
3.16
PEG Ratio
2.31
Dividend Yield
NA
ROCE (Latest)
13.11%
ROE (Latest)
10.21%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 218.39 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 90.62%
Here's what is working for First Commonwealth Financial Corp. (Pennsylvania)
Operating Cash Flow
Highest at USD 218.39 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (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)
Here's what is not working for First Commonwealth Financial Corp. (Pennsylvania)
Credit Deposit Ratio
Lowest at 90.62%
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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