FCF FIRST COMMONWEALTH FINANCIAL CORP /PA/

NYSE National Commercial Banks PA CIK: 0000712537
AI RATING
SELL
60% Confidence

Investment Thesis

Despite 48.5% revenue growth and strong 30% operating margins, FCF exhibits severely deteriorating fundamentals with critical interest coverage of 1.0x, indicating operating income barely covers interest obligations. Poor capital efficiency (ROE 2.4%, ROA 0.3%) combined with net income growth of only 6.8% against 48.5% revenue growth signals rising cost pressures and debt service constraints that outpace revenue expansion.

Strengths

  • + Exceptional revenue growth of 48.5% year-over-year demonstrates market demand and business expansion
  • + Strong operating margin of 30% and net margin of 23.9% reflect profitable core operations
  • + Robust free cash flow generation of $70.7M with 45% FCF margin provides liquidity cushion

Risks

  • ! Interest coverage of 1.0x is critically low—operating income barely covers interest expenses with negligible safety margin for economic downturns
  • ! Severe capital inefficiency with ROE of 2.4% and ROA of 0.3% indicate poor returns despite revenue scale; deteriorating profitability per dollar of equity deployed
  • ! Revenue growth of 48.5% dramatically outpaces net income growth of 6.8%, signaling rapidly rising operating costs or interest expenses consuming earnings momentum

Key Metrics to Watch

Financial Metrics

Revenue
157.2M
Net Income
37.5M
EPS (Diluted)
$0.37
Free Cash Flow
70.7M
Total Assets
12.3B
Cash
342.9M

Profitability Ratios

Gross Margin N/A
Operating Margin 30.0%
Net Margin 23.9%
ROE 2.4%
ROA 0.3%
FCF Margin 45.0%

Balance Sheet & Liquidity

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.09x
Debt/Assets
87.3%
Interest Coverage
0.98x
Long-term Debt
132.1M
Disclaimer: This analysis is generated by AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: 2026-05-12T06:25:28.802490 | Data as of: 2026-03-31 | Powered by Claude AI