First Commonwealth Financial Balance Sheet Health
Financial Health criteria checks 6/6
First Commonwealth Financial has total assets of $11.6B and total equity of $1.4B. Total deposits are $9.7B, and total loans are $8.9B. It earns a Net Interest Margin of 3.6%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $175.0M.
Key information
8.2x
Asset to equity ratio
3.6%
Net interest margin
| Total deposits | US$9.68b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.7% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$174.98m |
Recent financial health updates
No updates
Recent updates
First Commonwealth Financial Corporation: An Interesting Financial Firm To Keep An Eye On
Dec 12First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.13
Nov 02
First Commonwealth Financial Corporation Just Missed Earnings - But Analysts Have Updated Their Models
Nov 01First Commonwealth Financial: Downgrading To Hold And Reducing The Earnings Estimate
Sep 20First Commonwealth Financial (NYSE:FCF) Will Pay A Dividend Of $0.13
Jul 30First Commonwealth Financial Corporation (NYSE:FCF) Released Earnings Last Week And Analysts Lifted Their Price Target To US$17.75
Jul 26First Commonwealth Financial: Attractively Valued But With A Lackluster Earnings Outlook
Apr 22First Commonwealth Financial (NYSE:FCF) Is Due To Pay A Dividend Of $0.125
Feb 03First Commonwealth Financial: On A Significant Growth Track But An Unattractive Valuation
Feb 01If EPS Growth Is Important To You, First Commonwealth Financial (NYSE:FCF) Presents An Opportunity
Feb 01First Commonwealth Financial: Q3 2023 Shows Positive Signs
Nov 03First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.125
Apr 28First Commonwealth Financial (NYSE:FCF) Is Paying Out A Dividend Of $0.12
Jan 28First Commonwealth Financial Non-GAAP EPS of $0.39 misses by $0.04, revenue of $112.34M misses by $1.03M
Jan 24First Commonwealth Financial (NYSE:FCF) Will Pay A Dividend Of $0.12
Nov 01First Commonwealth Financial declares $0.12 dividend
Oct 25First Commonwealth Financial: M&A Strategy Continues With Centric Acquisition
Sep 15First Commonwealth to acquire Centric Financial in $144M all-stock deal
Aug 30First Commonwealth Financial Non-GAAP EPS of $0.33 in-line, revenue of $98.17M beats by $0.76M
Jul 26Here's Why First Commonwealth Financial (NYSE:FCF) Has Caught The Eye Of Investors
Jul 21First Commonwealth Financial: Earnings To Dip On Provisioning Normalization
Jul 03First Commonwealth Financial (NYSE:FCF) Is Increasing Its Dividend To US$0.12
Apr 29First Commonwealth: Strong Top-Line Growth Views Unlikely To Compensate For Provision Normalization
Apr 08Does First Commonwealth Financial (NYSE:FCF) Deserve A Spot On Your Watchlist?
Apr 06First Commonwealth Financial: Not Too Excited
Jan 22Here's Why I Think First Commonwealth Financial (NYSE:FCF) Might Deserve Your Attention Today
Dec 26First Commonwealth Financial: Outlook Of Strong Balance Sheet Growth, Decent Price Upside
Dec 19First Commonwealth Financial's (NYSE:FCF) Upcoming Dividend Will Be Larger Than Last Year's
Oct 30First Commonwealth Financial: Management's Efforts Likely To Support Revenues
Oct 04First Commonwealth Financial's (NYSE:FCF) Dividend Will Be Increased To US$0.12
Aug 03First Commonwealth Is Unremarkable, With A Recent Large Insider Sale
Jul 09Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FCF's Assets to Equity ratio (8.2x) is low.
Allowance for Bad Loans: FCF has a sufficient allowance for bad loans (193%).
Low Risk Liabilities: 95% of FCF's liabilities are made up of primarily low risk sources of funding.
Loan Level: FCF has an appropriate level of Loans to Assets ratio (77%).
Low Risk Deposits: FCF's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: FCF has an appropriate level of bad loans (0.7%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/03/14 11:27 |
| End of Day Share Price | 2025/03/14 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
First Commonwealth Financial Corporation is covered by 17 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Matthew Schultheis | Boenning & Scattergood, Inc. |
| Stephen Moss | B. Riley Securities, Inc. |
| Manuel Navas | D.A. Davidson & Co. |