FCF

  
 
 
First Commonwealth Financial Corporation

Dividend Growth

Min. Div. Growth Past 7 Yrs. ≥ 15%: 7.0
Rolling 4-Yrs Div. Growth Past 7 Yrs ≥ 15%: 4.0%
Years of Div. Growth ≥ 15: 14

Income Generation

Current Yield 2.7≥ 20-Yrs Treasury Yield 4.7
Total Dividends ≥ 20-Yrs Treasury Coupons in 5 Yrs

Sustainability

Debt-To-Equity 0.33 ≤ 0.45 
Last 12Months Cash Payout 0.36 ≤ 0.6 

Profitability

5-Yr Avg. Return-on-Equity 11.0≥ 15%
Last 12Months Return-on-Equity 12.1≥ 15%
Last 12Months Net Profit Margin 25.0≥ 10% 

Fair Value

Average 5-Yrs High Yield 4.8%
Current Price $18.7 ≤ High Yield Price $10.7
Average 5-Yrs Price-to-Earning (P/E) 10.1
Current Price $18.7 ≤ Average P/E Price $15.7
Current Price $18.7 ≤ Fair Value $13.2 

Company Description
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include 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, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. It also offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. As of December 31, 2021, the company operated 118 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio; corporate banking centers in Pittsburgh, Pennsylvania, as well as Columbus, Canton, and Cleveland, Ohio; and mortgage banking offices in Wexford, Pennsylvania, and Hudson, Westlake, as well as Lewis Center, Ohio. It also operates 136 automated teller machines. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.

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