FCF PEER ANALYSIS

First Commonwealth Financial — metric-by-metric comparison with peers and the industry median

FCFFirst Commonwealth Financial

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

FCFIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	FCF	KLNMA	BFL	BOQ	LB	EQB	Ind. Median
P/E	13.34	10.20	3.25●	40.94	116.44	25.90	12.88
P/B	1.35	2.79	0.74	0.69	0.68●	1.55	1.29
EV/EBITDA	10.31	7.18	-1.43●	67.07	306.37	54.62	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FCF	KLNMA	BFL	BOQ	LB	EQB	Ind. Median
Current Ratio	4.39	—	33.68●	0.05	0.01	0.09	0.31
Debt/Equity	12.6%	0.0%●	9.1%	258.4%	744.5%	496.5%	38.0%
NetDebt/EBITDA	0.37	-0.00	-3.30●	49.89	280.57	40.36	-0.58

Profitability
Metric	FCF	KLNMA	BFL	BOQ	LB	EQB	Ind. Median
Net Margin	21.3%	58.1%●	30.2%	2.0%	1.4%	6.6%	20.6%
ROE	10.5%	34.1%●	24.2%	1.6%	1.0%	6.1%	10.9%
ROA	1.3%	5.4%●	2.9%	0.1%	0.1%	0.4%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FCF	KLNMA	BFL	BOQ	LB	EQB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	14.1%	42.3%●	—	-67.9%	-80.9%	-49.0%	19.4%
Div. Yield	2.6%	—	22.6%●	6.5%	4.7%	1.6%	2.5%
Payout	35.7%	—	68.7%	256.1%	335.1%	43.2%	31.4%

Valuation
Metric	FCF	OFG	CLBK	STEL	SRCE	NWBI	Ind. Median
P/E	13.34	9.96●	38.38	19.13	12.40	16.67	12.88
P/B	1.35	1.55	1.83	1.21	1.56	1.17●	1.29
EV/EBITDA	10.31	6.89	39.07	0.97	4.93	0.77●	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FCF	OFG	CLBK	STEL	SRCE	NWBI	Ind. Median
Current Ratio	4.39	8.02	2,312.41●	0.23	0.18	0.19	0.31
Debt/Equity	12.6%	42.3%	105.9%	10.5%●	30.0%	31.3%	38.0%
NetDebt/EBITDA	0.37	-0.19	12.13	-11.67	-4.23	-11.93●	-0.58

Profitability
Metric	FCF	OFG	CLBK	STEL	SRCE	NWBI	Ind. Median
Net Margin	21.3%	24.2%	11.0%	17.8%	26.7%●	14.7%	20.6%
ROE	10.5%	16.0%●	4.9%	6.4%	13.2%	7.5%	10.9%
ROA	1.3%	1.8%●	0.5%	1.0%	1.8%	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FCF	OFG	CLBK	STEL	SRCE	NWBI	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	14.1%	10.0%	—	-7.4%	14.2%	16.2%●	19.4%
Div. Yield	2.6%	2.5%	—	1.5%	2.0%	5.2%●	2.5%
Payout	35.7%	25.1%	—	26.7%	24.5%	85.5%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.