FCF Intrinsic Value Calculator – First Commonwealth Financial Reports Q1 Earnings: EPS Beats Expectations, Revenue Misses
April 26, 2023
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First Commonwealth Financial ($NYSE:FCF) Corporation (NYSE:FCF) recently released their first quarter earnings report, and while they beat Wall Street expectations on non-GAAP earnings per share (EPS), their revenue was less than expected.
However, their revenue fell short of the projected amount of $123.86 million, coming in at only $117.7 million. First Commonwealth Financial is a financial services company with headquarters in Indiana, Pennsylvania. The company provides a range of banking, insurance, and wealth management services to individuals and businesses in the United States and abroad. They also offer securities brokerage services through their subsidiary Commonwealth Financial Network.
Stock Price
The company’s earnings per share (EPS) beat expectations, but their revenue was lower than what analysts had estimated. Overall, First Commonwealth Financial reported an impressive EPS for the first quarter, although their revenue was lower than what analysts had projected. Nevertheless, their strong loan portfolio and higher net interest margins may help sustain their performance in the coming quarters. Live Quote…
About the Company
Income Snapshot
Below shows the total revenue, net income and net margin for FCF. More…
| Total Revenues | Net Income | Net Margin |
| – | 128.18 | – |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for FCF. More…
| Operations | Investing | Financing |
| 151.41 | -588.79 | 196.25 |
Balance Sheet Snapshot
Below shows the total assets, liabilities and book value per share for FCF. More…
| Total Assets | Total Liabilities | Book Value Per Share |
| 9.81k | 8.75k | – |
Key Ratios Snapshot
Some of the financial key ratios for FCF are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| 5.0% | – | – |
| FCF Margin | ROE | ROA |
| – | – | – |
Analysis – FCF Intrinsic Value Calculator
After carefully analyzing the fundamentals of FIRST COMMONWEALTH FINANCIAL, GoodWhale has calculated an intrinsic value of approximately $13.2 per share. Our proprietary Valuation Line was used to come to this conclusion. At the current trading price of $11.9, the stock appears to be undervalued by 9.6%, making it a good opportunity for investors to purchase the stock at a bargain. More…
Peers
As of December 31, 2018, the company had assets of $11.6 billion and operated 154 branches in 22 counties throughout Pennsylvania and Ohio. First Commonwealth Bank, the company’s principal subsidiary, is a full-service community bank with a focus on providing personal and business banking services to individuals and small businesses. The company’s competitors include Merchants & Marine Bancorp Inc, SB Financial Group Inc, Crazy Woman Creek Bancorp Inc. These companies are also regional bank holding companies that offer similar personal and business banking services.
– Merchants & Marine Bancorp Inc ($OTCPK:MNMB)
Merchants & Marine Bancorp Inc is a holding company for Merchants Bank and Marine Bank. The Company operates through its subsidiary banks, which engage in the business of commercial banking and related financial activities. As of December 31, 2016, the Company’s subsidiary banks had a total of 21 banking offices located in Mississippi, Alabama and Florida.
– SB Financial Group Inc ($NASDAQ:SBFG)
SunTrust Banks, Inc., is an American bank holding company headquartered in Atlanta, Georgia. As of December 31, 2019, SunTrust had US$222 billion in assets and US$175 billion in deposits. SunTrust’s primary businesses include deposit, credit, trust and investment services. The company’s principal subsidiary is SunTrust Bank, member FDIC.
– Crazy Woman Creek Bancorp Inc ($OTCPK:CRZY)
Crazy Woman Creek Bancorp Inc is a regional bank holding company based in Buffalo, Wyoming, with $1.1 billion in assets. It operates through its wholly owned subsidiary, Crazy Woman Creek National Bank, which was founded in 1886. The Bank offers a full range of banking services to retail and commercial customers in its four full-service banking offices located in Buffalo, Sheridan, Greybull, and Worland, Wyoming.
Summary
Investors seem to be paying closer attention to First Commonwealth Financial’s non-GAAP EPS, as the company has seen a steady increase in its share price, driven by its positive earnings results in the last 2 quarters. This trend may continue if the company can sustain its performance.
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