First Commonwealth Financial Corporation cash flow to debt ratio of 41.46% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

First Commonwealth Financial Corporation's free cash flow has increased 50.43% from $113.92M last year to $171.36M, signaling increasing performance

First Commonwealth Financial Corporation's debt to equity ratio is 0.17, which means that the company's assets are healthy financed, signaling financial stability.

First Commonwealth Financial Corporation's debt has decreased relative to shareholder equity from 0.24 last year to 0.17 today, signaling strengthened financials

First Commonwealth Financial Corporation has a net debt to EBITDA ratio of 1.71x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

First Commonwealth Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

First Commonwealth Financial Corporation's profit margin has increased (32.72%) in the last year from 20.38% to 27.04%, signaling increasing performance

First Commonwealth Financial Corporation's short-term liabilities of $281.15M exceed its short-term assets of $103.28M, signaling financial risk

First Commonwealth Financial Corporation's return on assets of 1.38% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Commonwealth Financial Corporation's return on equity of 10.83%, is lower than 15.00%, indicating bad performance

First Commonwealth Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

First Commonwealth Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

First Commonwealth Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

First Commonwealth Financial Corporation has a free cash flow yield of 7.86%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

First Commonwealth Financial Corporation's yearly earnings has increased 6.82% since last year from $142.57M to $152.30M, signaling increasing performance

First Commonwealth Financial Corporation's yearly revenue has increased 4.25% since last year from $699.69M to $729.44M, signaling increasing performance

ROIC 0.76% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Commonwealth Financial Corporation's 3-year revenue CAGR of 19.39% is positive, indicating growing revenue over the past 3 years

First Commonwealth Financial Corporation had revenue growth in 5 out of 5 years, indicating consistent revenue performance

First Commonwealth Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

First Commonwealth Financial Corporation is undervalued relative to its fair value price of 26.35 based on Discounted Cash Flow model

First Commonwealth Financial Corporation has an earnings yield of 7.70%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

First Commonwealth Financial Corporation is overvalued relative to its fair value price of 10.61 based on EBITDA multiple model

First Commonwealth Financial Corporation has an EV/EBITDA ratio of 12.35x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

First Commonwealth Financial Corporation is undervalued relative to its fair value price of 43.49 based on Earnings Fair Value model

First Commonwealth Financial Corporation has a PEG-ratio under 1 which is considered undervalued

First Commonwealth Financial Corporation has a price-to-book ratio of 1.39x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Commonwealth Financial Corporation has a price-to-sales ratio of 3.51x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue