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Market Price

12.51 

-0.02 -0.2%

as of Aug 22 '19

52 Week Range:

11.33 17.09


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

First Commonwealth Financial Corporation, through its subsidiaries, provides consumer and commercial banking services to individuals, and small and mid-sized businesses in the United States. Its consumer services include personal checking accounts, interest-earning checking accounts, 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 March 4, 2019, the company operated 137 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio. It also leases 3 mortgage loan production offices and 3 corporate loan production offices, as well as operates a network of 150 automated teller machines. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 8.88
7.50
7.15
7.33
7.49
7.47
7.74
8.12
8.45
9.18
9.88
growth rate -15.5% -4.7% 2.5% 2.2% -0.3% 3.6% 4.9% 4.1% 8.6% 7.6%
Earnings BIT 49.72
-45.89
23.22
14.89
56.61
56.76
68.18
79.10
96.29
116.08
growth rate -100.0% 100.0% -35.9% 280.2% 0.3% 20.1% 16.0% 21.7% 20.6%
Avg.PE 21.41
-30.00
28.74
36.10
16.89
20.62
18.07
16.48
20.66
25.72
12.66
growth rate -100.0% 100.0% 25.6% -53.2% 22.1% -12.4% -8.8% 25.4% 24.5% -50.8%
ROA 0.70
-0.31
0.37
0.26
0.71
0.68
0.71
0.78
0.90
0.85
1.48
growth rate -100.0% 100.0% -29.7% 173.1% -4.2% 4.4% 9.9% 15.4% -5.6% 74.1%
ROE 7.05
-3.11
3.31
2.03
5.58
5.69
6.23
6.99
8.11
7.25
12.06
growth rate -100.0% 100.0% -38.7% 174.9% 2.0% 9.5% 12.2% 16.0% -10.6% 66.3%
ROIC 9.21
1.84
5.57
4.62
4.83
3.90
3.26
growth rate -80.0% 202.7% -17.1% 4.6% -19.3% -16.4%
Leverage 9.84
10.09
7.75
7.70
8.04
8.73
8.88
9.13
8.91
8.23
8.03
growth rate 2.5% -23.2% -0.7% 4.4% 8.6% 1.7% 2.8% -2.4% -7.6% -2.4%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Payable 4,315.51
4,195.89
4,947.41
5,580.71
5,897.99
growth rate -2.8% 17.9% 12.8% 5.7%
Cur.Assets 95.42
95.89
135.62
126.69
116.53
growth rate 0.5% 41.4% -6.6% -8.0%
Total Assets 6,425.90
6,446.30
5,812.80
5,841.12
5,995.39
6,214.86
6,360.29
6,566.89
6,684.02
7,308.54
7,828.26
growth rate 0.3% -9.8% 0.5% 2.6% 3.7% 2.3% 3.3% 1.8% 9.3% 7.1%
Cash 88.60
89.60
69.90
1,221.25
1,274.29
1,395.80
69.64
64.85
110.58
96.99
94.05
growth rate 1.1% -22.0% 1,647.1% 4.3% 9.5% -95.0% -6.9% 70.5% -12.3% -3.0%
Inventory 7.20
9.40
6.81
2.77
3.94
growth rate 30.6% -27.6% -59.4% 42.3%
Cur.Liabilities 5,512.20
5,718.11
5,821.91
6,291.86
6,622.53
growth rate 3.7% 1.8% 8.1% 5.3%
Liabilities 5,773.10
5,807.50
5,063.10
5,082.58
5,249.38
5,503.16
5,644.14
5,847.34
5,934.09
6,420.41
6,852.87
growth rate 0.6% -12.8% 0.4% 3.3% 4.8% 2.6% 3.6% 1.5% 8.2% 6.7%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
81.48
80.92
80.33
79.72
177.21
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -96.0% -0.7% -0.7% -0.8% 122.3%
Equity 652.80
638.80
749.80
758.54
746.01
711.70
716.15
719.55
749.93
888.13
975.39
growth rate -2.1% 17.4% 1.2% -1.7% -4.6% 0.6% 0.5% 4.2% 18.4% 9.8%
Common Shares 75.00
85.00
93.00
105.00
104.00
97.00
93.00
105.56
105.56
113.92
113.92
growth rate 13.3% 9.4% 12.9% -1.0% -6.7% -4.1% 13.5% 0.0% 7.9% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 12.10
6.70
4.90
8.32
10.18
9.64
10.98
4.89
7.49
11.59
9.60
growth rate -44.6% -26.9% 69.8% 22.4% -5.4% 14.0% -55.5% 53.3% 54.7% -17.2%
Cash Dividends 49.40
29.70
5.30
12.56
18.76
22.34
26.17
25.09
24.91
30.51
34.85
growth rate -39.9% -82.2% 136.9% 49.4% 19.1% 17.1% -4.2% -0.7% 22.5% 14.2%
Cash From OA 68.80
57.20
110.90
84.12
78.72
85.73
82.14
72.75
89.27
88.31
135.26
growth rate -16.9% 93.9% -24.2% -6.4% 8.9% -4.2% -11.4% 22.7% -1.1% 53.2%
FCF per Share 0.54
0.60
1.14
0.76
0.66
0.85
0.65
0.80
0.83
0.89
1.12
growth rate 11.1% 90.0% -33.3% -13.2% 28.8% -23.5% 23.1% 3.8% 7.2% 25.8%
Sale Purchase of Stock 0.21
-35.21
-33.26
0.19
0.19
0.22
0.23
growth rate -100.0% 0.0% 100.0% 0.0% 12.5% 5.6%
FCF 40.00
51.00
106.00
76.00
69.00
76.00
71.00
68.00
82.00
78.00
126.00
growth rate 27.5% 107.8% -28.3% -9.2% 10.1% -6.6% -4.2% 20.6% -4.9% 61.5%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 231.40
225.80
255.90
289.21
284.51
266.52
231.75
233.24
244.00
302.19
326.35
growth rate -2.4% 13.3% 13.0% -1.6% -6.3% -13.1% 0.6% 4.6% 23.9% 8.0%
Op.Income 49.70
-45.90
23.10
15.27
41.95
41.48
81.94
85.07
96.52
124.19
142.66
growth rate -100.0% 100.0% -33.9% 174.7% -1.1% 97.5% 3.8% 13.5% 28.7% 14.9%
IBT 49.72
-45.89
23.22
14.89
56.61
56.76
62.13
70.98
85.23
103.73
132.77
growth rate -100.0% 100.0% -35.9% 280.1% 0.3% 9.5% 14.2% 20.1% 21.7% 28.0%
Net Income 43.10
-20.10
23.00
15.27
41.95
41.48
44.45
50.14
59.59
55.17
107.50
growth rate -100.0% 100.0% -33.6% 174.7% -1.1% 7.2% 12.8% 18.8% -7.4% 94.9%
EPS 0.58
-0.24
0.25
0.15
0.40
0.43
0.48
0.56
0.67
0.58
1.08
growth rate -100.0% 100.0% -40.0% 166.7% 7.5% 11.6% 16.7% 19.6% -13.4% 86.2%
Gross Profit 231.75
233.24
244.00
302.19
326.35
growth rate 0.6% 4.6% 23.9% 8.0%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Payable 5,913.57
5,895.14
5,897.99
6,130.76
6,155.97
growth rate -0.3% 0.1% 4.0% 0.4%
Cur.Assets 121.62
117.39
116.53
145.13
133.73
growth rate -3.5% -0.7% 24.5% -7.9%
Total Assets 7,648.76
7,686.35
7,828.26
7,972.67
8,070.85
growth rate 0.5% 1.9% 1.8% 1.2%
Cash 103.98
96.18
94.05
123.89
96.28
growth rate -7.5% -2.2% 31.7% -22.3%
Inventory 3.76
3.87
3.94
3.99
1.88
growth rate 3.1% 1.6% 1.5% -52.8%
Cur.Liabilities 6,466.07
6,492.36
6,622.53
6,704.24
6,730.89
growth rate 0.4% 2.0% 1.2% 0.4%
Liabilities 6,687.97
6,713.41
6,852.87
6,974.65
7,049.02
growth rate 0.4% 2.1% 1.8% 1.1%
LT Debt 178.16
177.96
177.21
177.72
227.61
growth rate -0.1% -0.4% 0.3% 28.1%
Equity 960.79
972.93
975.39
998.02
1,021.83
growth rate 1.3% 0.3% 2.3% 2.4%
Common Shares 113.92
113.92
113.92
113.92
113.92
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 2.88
2.16
2.74
4.13
4.72
growth rate -25.1% 26.8% 50.8% 14.2%
Cash Dividends 9.03
9.03
8.98
9.86
9.85
growth rate 0.0% -0.6% 9.8% -0.1%
Cash From OA 39.20
32.93
41.72
18.69
11.42
growth rate -16.0% 26.7% -55.2% -38.9%
Sale Purchase of Stock
growth rate
FCF 36.32
30.78
38.99
14.56
6.71
growth rate -15.3% 26.7% -62.7% -53.9%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 88.32
80.43
83.87
80.20
85.02
growth rate -8.9% 4.3% -4.4% 6.0%
Op.Income 43.19
33.20
36.32
32.81
36.32
growth rate -23.1% 9.4% -9.7% 10.7%
IBT 39.69
31.08
34.06
30.53
33.97
growth rate -21.7% 9.6% -10.3% 11.3%
Net Income 32.08
25.15
27.00
24.59
27.28
growth rate -21.6% 7.4% -8.9% 10.9%
EPS
growth rate
Gross Profit 88.32
80.43
83.87
80.20
85.02
growth rate -8.9% 4.3% -4.4% 6.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (70.21)

YOY Growth Grade:

E (29.67)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.72 11.48 11.75
EPS / Growth 16.5% 1.09 5.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 7.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.5% 6.2% 6.2%
Future PE 11.00 12.31 12.31
Future EPS 1.86 1.99 1.99
Value Price
MOS %
5.06
-59.5%
6.07
-51.5%
6.07
-51.5%
MOS Price 2.53 3.04 3.04
IRT 8.75 8.51 8.51

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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