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First Commonwealth Financial
Buy, Hold or Sell?

Let's analyse First Commonwealth Financial together

PenkeI guess you are interested in First Commonwealth Financial. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of First Commonwealth Financial. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of First Commonwealth Financial (30 sec.)










What can you expect buying and holding a share of First Commonwealth Financial? (30 sec.)

How much money do you get?

How much money do you get?
$0.49
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$12.85
Expected worth in 1 year
$15.41
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
$3.05
Return On Investment
22.1%

For what price can you sell your share?

Current Price per Share
$13.80
Expected price per share
$12.46 - $14.11
How sure are you?
50%

1. Valuation of First Commonwealth Financial (5 min.)




Live pricePrice per Share (EOD)

$13.80

Intrinsic Value Per Share

$11.84 - $17.29

Total Value Per Share

$24.69 - $30.14

2. Growth of First Commonwealth Financial (5 min.)




Is First Commonwealth Financial growing?

Current yearPrevious yearGrowGrow %
How rich?$1.3b$1b$205.2m16.4%

How much money is First Commonwealth Financial making?

Current yearPrevious yearGrowGrow %
Making money$39.2m$32m$7.2m18.4%
Net Profit Margin29.8%31.1%--

How much money comes from the company's main activities?

3. Financial Health of First Commonwealth Financial (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of First Commonwealth Financial? (5 min.)

Welcome investor! First Commonwealth Financial's management wants to use your money to grow the business. In return you get a share of First Commonwealth Financial.

What can you expect buying and holding a share of First Commonwealth Financial?

First you should know what it really means to hold a share of First Commonwealth Financial. And how you can make/lose money.

Speculation

The Price per Share of First Commonwealth Financial is $13.80. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of First Commonwealth Financial.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in First Commonwealth Financial, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $12.85. Based on the TTM, the Book Value Change Per Share is $0.64 per quarter. Based on the YOY, the Book Value Change Per Share is $-0.14 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.12 per quarter.
Based on historical numbers we can estimate the returns while holding a share of First Commonwealth Financial.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.443.2%0.382.8%0.312.3%0.292.1%0.221.6%
Usd Book Value Change Per Share0.846.1%0.644.6%-0.14-1.0%0.171.2%0.151.1%
Usd Dividend Per Share0.120.9%0.120.9%0.110.8%0.110.8%0.090.6%
Usd Total Gains Per Share0.967.0%0.765.5%-0.03-0.2%0.272.0%0.241.7%
Usd Price Per Share15.44-13.18-13.85-12.81-12.09-
Price to Earnings Ratio8.81-8.76-11.19-12.75-17.48-
Price-to-Total Gains Ratio16.08-39.41--73.18-41.33-91.28-
Price to Book Ratio1.20-1.08-1.35-1.20-1.32-
Price-to-Total Gains Ratio16.08-39.41--73.18-41.33-91.28-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share13.8
Number of shares72
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.120.11
Usd Book Value Change Per Share0.640.17
Usd Total Gains Per Share0.760.27
Gains per Quarter (72 shares)54.9219.69
Gains per Year (72 shares)219.7078.78
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
136184210314869
2713684306295148
310755265093143227
4142737870125191306
51789211090156238385
621311051310187286464
724912891530218333543
828514731750249381622
932016571970280429701
1035618412190311476780

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%124.04.00.096.9%
Book Value Change Per Share4.00.00.0100.0%8.04.00.066.7%14.06.00.070.0%28.012.00.070.0%89.038.01.069.5%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%128.00.00.0100.0%
Total Gains per Share4.00.00.0100.0%9.03.00.075.0%17.03.00.085.0%36.04.00.090.0%109.019.00.085.2%

Fundamentals of First Commonwealth Financial

About First Commonwealth Financial

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, it offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.

Fundamental data was last updated by Penke on 2024-03-22 23:37:08.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of First Commonwealth Financial.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit First Commonwealth Financial earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare First Commonwealth Financial to the Banks - Regional industry mean.
  • A Net Profit Margin of 26.6% means that $0.27 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of First Commonwealth Financial:

  • The MRQ is 26.6%. The company is making a huge profit. +2
  • The TTM is 29.8%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ26.6%TTM29.8%-3.2%
TTM29.8%YOY31.1%-1.3%
TTM29.8%5Y29.3%+0.5%
5Y29.3%10Y25.7%+3.6%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ26.6%18.4%+8.2%
TTM29.8%28.0%+1.8%
YOY31.1%25.2%+5.9%
5Y29.3%22.8%+6.5%
10Y25.7%19.8%+5.9%
1.1.2. Return on Assets

Shows how efficient First Commonwealth Financial is using its assets to generate profit.

  • Above 5% is considered healthy but always compare First Commonwealth Financial to the Banks - Regional industry mean.
  • 0.4% Return on Assets means that First Commonwealth Financial generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of First Commonwealth Financial:

  • The MRQ is 0.4%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.4%TTM0.3%+0.0%
TTM0.3%YOY0.3%+0.0%
TTM0.3%5Y0.3%+0.0%
5Y0.3%10Y0.3%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.4%0.1%+0.3%
TTM0.3%0.2%+0.1%
YOY0.3%0.2%+0.1%
5Y0.3%0.2%+0.1%
10Y0.3%0.2%+0.1%
1.1.3. Return on Equity

Shows how efficient First Commonwealth Financial is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare First Commonwealth Financial to the Banks - Regional industry mean.
  • 3.4% Return on Equity means First Commonwealth Financial generated $0.03 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of First Commonwealth Financial:

  • The MRQ is 3.4%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 3.1%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ3.4%TTM3.1%+0.3%
TTM3.1%YOY3.1%+0.1%
TTM3.1%5Y2.7%+0.4%
5Y2.7%10Y2.3%+0.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ3.4%1.4%+2.0%
TTM3.1%2.5%+0.6%
YOY3.1%2.7%+0.4%
5Y2.7%2.5%+0.2%
10Y2.3%2.8%-0.5%

1.2. Operating Efficiency of First Commonwealth Financial.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient First Commonwealth Financial is operating .

  • Measures how much profit First Commonwealth Financial makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare First Commonwealth Financial to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of First Commonwealth Financial:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM33.4%-33.4%
TTM33.4%YOY44.5%-11.1%
TTM33.4%5Y43.8%-10.4%
5Y43.8%10Y43.1%+0.7%
1.2.2. Operating Ratio

Measures how efficient First Commonwealth Financial is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.11 means that the operating costs are $0.11 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of First Commonwealth Financial:

  • The MRQ is 0.115. The company is very efficient in keeping operating costs low. +2
  • The TTM is -0.258.
Trends
Current periodCompared to+/- 
MRQ0.115TTM-0.258+0.372
TTM-0.258YOY0.018-0.276
TTM-0.2585Y-0.034-0.223
5Y-0.03410Y0.108-0.143

1.3. Liquidity of First Commonwealth Financial.

1.3. Liquidity
1.3.1. Current Ratio

Measures if First Commonwealth Financial is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.03 means the company has $0.03 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of First Commonwealth Financial:

  • The MRQ is 0.032. The company is unable to pay all its short-term debts. -2
  • The TTM is 2.189. The company is able to pay all its short-term debts. +1
Trends
Current periodCompared to+/- 
MRQ0.032TTM2.189-2.157
TTM2.189YOY10.202-8.013
TTM2.1895Y32.495-30.306
5Y32.49510Y19.444+13.051
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM2.1890.124+2.065
YOY10.2020.225+9.977
5Y32.4950.219+32.276
10Y19.4440.131+19.313
1.3.2. Quick Ratio

Measures if First Commonwealth Financial is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare First Commonwealth Financial to the Banks - Regional industry mean.
  • A Quick Ratio of 0.19 means the company can pay off $0.19 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of First Commonwealth Financial:

  • The MRQ is 0.192. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 3.693. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ0.192TTM3.693-3.502
TTM3.693YOY18.071-14.378
TTM3.6935Y14.326-10.633
5Y14.32610Y8.387+5.939

1.4. Solvency of First Commonwealth Financial.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of First Commonwealth Financial assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare First Commonwealth Financial to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.89 means that First Commonwealth Financial assets are financed with 88.5% credit (debt) and the remaining percentage (100% - 88.5%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of First Commonwealth Financial:

  • The MRQ is 0.885. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.889. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.885TTM0.889-0.004
TTM0.889YOY0.891-0.002
TTM0.8895Y0.884+0.006
5Y0.88410Y0.8840.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8850.915-0.030
TTM0.8890.917-0.028
YOY0.8910.919-0.028
5Y0.8840.919-0.035
10Y0.8840.927-0.043
1.4.2. Debt to Equity Ratio

Measures if First Commonwealth Financial is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare First Commonwealth Financial to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 773.3% means that company has $7.73 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of First Commonwealth Financial:

  • The MRQ is 7.733. The company is unable to pay all its debts with equity. -1
  • The TTM is 8.049. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ7.733TTM8.049-0.316
TTM8.049YOY8.200-0.151
TTM8.0495Y7.639+0.410
5Y7.63910Y7.6390.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.73310.829-3.096
TTM8.04911.013-2.964
YOY8.20011.363-3.163
5Y7.63911.437-3.798
10Y7.63913.038-5.399

2. Market Valuation of First Commonwealth Financial

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings First Commonwealth Financial generates.

  • Above 15 is considered overpriced but always compare First Commonwealth Financial to the Banks - Regional industry mean.
  • A PE ratio of 8.81 means the investor is paying $8.81 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of First Commonwealth Financial:

  • The EOD is 7.871. Based on the earnings, the company is underpriced. +1
  • The MRQ is 8.806. Based on the earnings, the company is underpriced. +1
  • The TTM is 8.761. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD7.871MRQ8.806-0.935
MRQ8.806TTM8.761+0.045
TTM8.761YOY11.191-2.430
TTM8.7615Y12.747-3.986
5Y12.74710Y17.480-4.732
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD7.8717.398+0.473
MRQ8.8066.680+2.126
TTM8.7615.295+3.466
YOY11.1916.943+4.248
5Y12.7479.770+2.977
10Y17.4809.943+7.537
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of First Commonwealth Financial:

  • The EOD is 8.099. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 9.061. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 12.260. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD8.099MRQ9.061-0.962
MRQ9.061TTM12.260-3.199
TTM12.260YOY10.861+1.399
TTM12.2605Y13.519-1.259
5Y13.51910Y14.772-1.252
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD8.099-2.069+10.168
MRQ9.061-1.868+10.929
TTM12.260-0.342+12.602
YOY10.8616.448+4.413
5Y13.5190.429+13.090
10Y14.7720.091+14.681
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of First Commonwealth Financial is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.20 means the investor is paying $1.20 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of First Commonwealth Financial:

  • The EOD is 1.074. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.201. Based on the equity, the company is underpriced. +1
  • The TTM is 1.080. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.074MRQ1.201-0.128
MRQ1.201TTM1.080+0.122
TTM1.080YOY1.350-0.270
TTM1.0805Y1.195-0.115
5Y1.19510Y1.320-0.125
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.0740.427+0.647
MRQ1.2010.386+0.815
TTM1.0800.470+0.610
YOY1.3500.642+0.708
5Y1.1950.795+0.400
10Y1.3201.025+0.295
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of First Commonwealth Financial.

3.1. Institutions holding First Commonwealth Financial

Institutions are holding 73.315% of the shares of First Commonwealth Financial.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-09-30BlackRock Inc14.53380.005214841185-164999-1.0995
2023-09-30Vanguard Group Inc11.47180.00351171443981820.0699
2023-12-31Dimensional Fund Advisors, Inc.6.43350.02966569502285530.4365
2023-09-30State Street Corporation4.33480.0034426423-319586-6.7338
2023-09-30Charles Schwab Investment Management Inc2.71750.00972774932848323.1535
2023-12-31Franklin Resources Inc2.64160.019526975021639667155.0022
2023-09-30Mariner Wealth Advisors, LLC2.63510.0881269079126907910
2023-12-31Fuller & Thaler Asset Management Inc2.48150.19822534006124780.4949
2023-09-30Geode Capital Management, LLC2.06340.00312107080813614.0164
2023-09-30Morgan Stanley - Brokerage Accounts1.42560.00181455704-25499-1.7215
2023-09-30Bank of New York Mellon Corp1.39340.00381422860-35789-2.4536
2023-09-30Northern Trust Corp1.38850.00341417861-18140-1.2632
2023-09-30Waldron, LP1.17990.76391204858119370110699.1216
2023-09-30JPMorgan Chase & Co0.92410.0013943592-54869-5.4954
2023-12-31First Commonwealth Financial Corp0.88034.2963898902-4533-0.5018
2023-12-31American Century Companies Inc0.86910.009488746517078423.8298
2023-09-30Ameriprise Financial Inc0.80480.0033821802-55827-6.3611
2023-09-30Amvescap Plc.0.78330.0026799904-70128-8.0604
2023-09-30Goldman Sachs Group Inc0.77490.001979126231624366.5748
2023-12-31Thrivent Financial For Lutherans0.74120.0255756839-42452-5.3112
Total 60.47815.473161756909+5434770+8.8%

3.2. Funds holding First Commonwealth Financial

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-02-29iShares Core S&P Small-Cap ETF6.75420.1162690577300
2024-02-29Vanguard Total Stock Mkt Idx Inv3.09380.0027316327600
2024-02-29Vanguard Small Cap Index2.44540.02322500322230830.9318
2023-12-31FullerThaler Behavioral Small-Cap Equity2.30320.45722354856-7200-0.3048
2023-12-31FullerThaler Behavioral Sm-Cp Eq R62.30320.45732354856-7200-0.3048
2024-02-29iShares Russell 2000 ETF2.30110.0492235270000
2023-12-31Franklin US Small Cap Value Equity1.72960.645917683841093494162.0255
2024-01-31Franklin Small Cap Value A1.72960.6117176838400
2023-12-31Franklin Small Cap Value SMA Composite1.72960.645917683841093494162.0255
2024-02-29Vanguard Small Cap Value Index Inv1.66980.0418170732563030.3705
2024-02-29Schwab US Dividend Equity ETF™1.59360.039316293779440.058
2024-02-29Vanguard Institutional Extnd Mkt Idx Tr1.46030.0191149312111350.0761
2024-01-31DFA US Small Cap Value I1.04390.0988106736800
2024-01-31DFA US Targeted Value I1.03160.11461054739-25225-2.3357
2023-12-31Fidelity Small Cap Index1.00080.06221023261133621.3231
2024-02-29SPDR® Portfolio S&P 600 Sm Cap ETF0.90220.11719224531880.0204
2024-02-01iShares Russell 2000 Value ETF0.90170.106392197900
2024-02-29Avantis US Small Cap Value ETF0.8930.11819130656220.0682
2024-02-29Vanguard Tax-Managed Small Cap Adm0.78020.11779773800
2024-02-29Dimensional US Targeted Value ETF0.74390.10397605667140.094
Total 36.41073.947537227927+2193714+5.9%

3.3. Insider Transactions

Insiders are holding 1.795% of the shares of First Commonwealth Financial.

DateOwnerTypeAmountPricePost Transaction AmountLink
2023-11-03Carrie L RiggleSELL756313.21
2023-10-27Ray T CharleySELL87512.02

4. Summary

4.1. Key Performance Indicators

The key performance indicators of First Commonwealth Financial compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.8360.639+31%-0.140+117%0.165+405%0.147+468%
Book Value Per Share--12.85212.183+5%10.253+25%10.752+20%9.276+39%
Current Ratio--0.0322.189-99%10.202-100%32.495-100%19.444-100%
Debt To Asset Ratio--0.8850.8890%0.891-1%0.884+0%0.884+0%
Debt To Equity Ratio--7.7338.049-4%8.200-6%7.639+1%7.639+1%
Dividend Per Share--0.1250.124+1%0.109+14%0.108+15%0.089+41%
Eps--0.4380.382+15%0.314+40%0.294+49%0.225+95%
Free Cash Flow Per Share--0.4260.319+33%0.343+24%0.300+42%0.254+68%
Free Cash Flow To Equity Per Share--0.3401.329-74%0.823-59%1.011-66%0.552-38%
Gross Profit Margin--0.9760.962+1%0.960+2%0.949+3%0.947+3%
Intrinsic Value_10Y_max--17.291--------
Intrinsic Value_10Y_min--11.841--------
Intrinsic Value_1Y_max--1.439--------
Intrinsic Value_1Y_min--1.052--------
Intrinsic Value_3Y_max--4.547--------
Intrinsic Value_3Y_min--3.295--------
Intrinsic Value_5Y_max--7.925--------
Intrinsic Value_5Y_min--5.671--------
Market Cap1410346200.000-12%1578968017.9201355532482.243+16%1415200652.500+12%1311032420.949+20%1236006530.474+28%
Net Profit Margin--0.2660.298-11%0.311-15%0.293-9%0.257+4%
Operating Margin---0.334-100%0.445-100%0.438-100%0.431-100%
Operating Ratio--0.115-0.258+325%0.018+524%-0.034+130%0.108+6%
Pb Ratio1.074-12%1.2011.080+11%1.350-11%1.195+1%1.320-9%
Pe Ratio7.871-12%8.8068.761+1%11.191-21%12.747-31%17.480-50%
Price Per Share13.800-12%15.44013.183+17%13.848+12%12.812+21%12.086+28%
Price To Free Cash Flow Ratio8.099-12%9.06112.260-26%10.861-17%13.519-33%14.772-39%
Price To Total Gains Ratio14.368-12%16.07639.412-59%-73.177+555%41.326-61%91.278-82%
Quick Ratio--0.1923.693-95%18.071-99%14.326-99%8.387-98%
Return On Assets--0.0040.003+13%0.003+18%0.003+25%0.003+44%
Return On Equity--0.0340.031+9%0.031+11%0.027+25%0.023+46%
Total Gains Per Share--0.9600.763+26%-0.031+103%0.274+251%0.236+307%
Usd Book Value--1314274000.0001253059500.000+5%1047856500.000+25%1100470600.000+19%948771650.000+39%
Usd Book Value Change Per Share--0.8360.639+31%-0.140+117%0.165+405%0.147+468%
Usd Book Value Per Share--12.85212.183+5%10.253+25%10.752+20%9.276+39%
Usd Dividend Per Share--0.1250.124+1%0.109+14%0.108+15%0.089+41%
Usd Eps--0.4380.382+15%0.314+40%0.294+49%0.225+95%
Usd Free Cash Flow--43563000.00032820000.000+33%35051500.000+24%30711450.000+42%25976325.000+68%
Usd Free Cash Flow Per Share--0.4260.319+33%0.343+24%0.300+42%0.254+68%
Usd Free Cash Flow To Equity Per Share--0.3401.329-74%0.823-59%1.011-66%0.552-38%
Usd Market Cap1410346200.000-12%1578968017.9201355532482.243+16%1415200652.500+12%1311032420.949+20%1236006530.474+28%
Usd Price Per Share13.800-12%15.44013.183+17%13.848+12%12.812+21%12.086+28%
Usd Profit--44827000.00039265750.000+14%32045250.000+40%30114050.000+49%22978250.000+95%
Usd Revenue--168460000.000132663750.000+27%102732250.000+64%102248750.000+65%86322975.000+95%
Usd Total Gains Per Share--0.9600.763+26%-0.031+103%0.274+251%0.236+307%
 EOD+4 -4MRQTTM+25 -11YOY+28 -85Y+24 -1210Y+26 -10

4.2. Fundamental Score

Let's check the fundamental score of First Commonwealth Financial based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-157.871
Price to Book Ratio (EOD)Between0-11.074
Net Profit Margin (MRQ)Greater than00.266
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.192
Current Ratio (MRQ)Greater than10.032
Debt to Asset Ratio (MRQ)Less than10.885
Debt to Equity Ratio (MRQ)Less than17.733
Return on Equity (MRQ)Greater than0.150.034
Return on Assets (MRQ)Greater than0.050.004
Total3/10 (30.0%)

4.3. Technical Score

Let's check the technical score of First Commonwealth Financial based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5057.370
Ma 20Greater thanMa 5013.351
Ma 50Greater thanMa 10013.609
Ma 100Greater thanMa 20013.882
OpenGreater thanClose13.410
Total2/5 (40.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Other Current Liabilities  -87,694-191,284-278,978-263,861-542,839-1,221-544,0604,613,0454,068,985
Long-term Assets Other  -77,762-52,448-130,210-1,482,666-1,612,876-70,592-1,683,46812,263,20810,579,740
Cash and Short Term Investments  916,905265,7101,182,61550,7571,233,372-29,7201,203,652-1,329,088-125,436
Net Working Capital  631,905271,732903,637-213,104690,533-30,941659,592-5,185,611-4,526,019



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets11,477,809
Total Liabilities10,163,535
Total Stockholder Equity1,314,274
 As reported
Total Liabilities 10,163,535
Total Stockholder Equity+ 1,314,274
Total Assets = 11,477,809

Assets

Total Assets11,477,809
Total Current Assets147,415
Long-term Assets11,330,394
Total Current Assets
Cash And Cash Equivalents 146,993
Short-term Investments 1,020,986
Total Current Assets  (as reported)147,415
Total Current Assets  (calculated)1,167,979
+/- 1,020,564
Long-term Assets
Property Plant Equipment 121,015
Goodwill 363,715
Long Term Investments 1,490,866
Intangible Assets 22,820
Long-term Assets Other 10,579,740
Long-term Assets  (as reported)11,330,394
Long-term Assets  (calculated)12,578,156
+/- 1,247,762

Liabilities & Shareholders' Equity

Total Current Liabilities4,673,434
Long-term Liabilities5,490,101
Total Stockholder Equity1,314,274
Total Current Liabilities
Short-term Debt 604,449
Short Long Term Debt 563,000
Other Current Liabilities 4,068,985
Total Current Liabilities  (as reported)4,673,434
Total Current Liabilities  (calculated)5,236,434
+/- 563,000
Long-term Liabilities
Long term Debt 181,863
Capital Lease Obligations 4,894
Long-term Liabilities  (as reported)5,490,101
Long-term Liabilities  (calculated)186,757
+/- 5,303,344
Total Stockholder Equity
Common Stock123,603
Retained Earnings 881,112
Accumulated Other Comprehensive Income -111,756
Other Stockholders Equity 421,315
Total Stockholder Equity (as reported)1,314,274
Total Stockholder Equity (calculated)1,314,274
+/-0
Other
Capital Stock123,603
Cash and Short Term Investments -125,436
Common Stock Shares Outstanding 102,265
Liabilities and Stockholders Equity 11,477,809
Net Debt 686,926
Net Invested Capital 2,059,137
Net Working Capital -4,526,019
Property Plant and Equipment Gross 312,326
Short Long Term Debt Total 833,919



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-312002-09-302002-06-302002-03-312001-12-312001-09-302001-06-302001-03-312000-12-312000-09-302000-06-302000-03-311999-12-311999-09-301999-06-301999-03-311998-12-311998-09-301998-06-301998-03-311997-12-311997-09-301997-06-301997-03-311996-12-311996-09-301996-06-301996-03-311995-12-311995-09-301995-06-301995-03-311994-12-311994-09-301994-06-301994-03-311993-12-311993-09-301993-06-301993-03-311992-12-311992-09-301992-06-301992-03-31
> Total Assets 
1,346,800
1,562,200
1,604,100
1,787,500
1,672,700
1,706,500
1,721,400
1,955,300
1,972,600
1,981,000
2,325,300
2,334,900
2,341,400
2,306,900
2,336,100
2,364,300
2,383,200
2,485,100
2,564,800
2,584,600
2,619,000
2,716,100
2,772,100
2,929,300
3,173,500
3,202,800
3,085,800
4,096,800
4,173,400
4,203,200
4,322,700
4,340,800
4,321,165
4,297,719
4,329,401
4,372,312
4,372,312
4,531,687
4,652,012
4,583,530
4,533,633
4,584,972
4,576,445
4,524,743
4,575,457
4,830,764
4,820,190
5,189,195
5,225,461
6,260,984
6,258,777
6,198,478
6,200,590
6,181,749
6,161,041
6,026,320
5,944,510
5,925,386
6,092,539
6,043,916
5,861,212
5,735,188
5,722,096
5,883,618
6,118,979
6,251,412
6,203,790
6,425,880
6,422,574
6,448,997
6,511,439
6,446,293
6,343,829
6,058,069
5,911,703
5,812,842
5,762,366
5,691,302
5,658,062
5,841,122
5,968,644
5,946,816
5,963,638
5,995,390
6,099,039
6,153,016
6,150,962
6,214,861
6,209,397
6,300,222
6,356,098
6,360,285
6,331,842
6,316,728
6,384,749
6,566,890
6,699,154
6,749,821
6,666,483
6,684,018
6,808,977
7,383,386
7,384,339
7,308,539
7,320,767
7,648,755
7,686,345
7,828,255
7,972,673
8,070,854
8,152,027
8,308,773
8,515,105
9,364,655
9,289,366
9,068,104
9,416,989
9,402,402
9,477,854
9,545,093
9,642,124
9,526,427
9,578,630
9,805,666
11,113,752
11,318,604
11,421,988
11,477,809
11,477,80911,421,98811,318,60411,113,7529,805,6669,578,6309,526,4279,642,1249,545,0939,477,8549,402,4029,416,9899,068,1049,289,3669,364,6558,515,1058,308,7738,152,0278,070,8547,972,6737,828,2557,686,3457,648,7557,320,7677,308,5397,384,3397,383,3866,808,9776,684,0186,666,4836,749,8216,699,1546,566,8906,384,7496,316,7286,331,8426,360,2856,356,0986,300,2226,209,3976,214,8616,150,9626,153,0166,099,0395,995,3905,963,6385,946,8165,968,6445,841,1225,658,0625,691,3025,762,3665,812,8425,911,7036,058,0696,343,8296,446,2936,511,4396,448,9976,422,5746,425,8806,203,7906,251,4126,118,9795,883,6185,722,0965,735,1885,861,2126,043,9166,092,5395,925,3865,944,5106,026,3206,161,0416,181,7496,200,5906,198,4786,258,7776,260,9845,225,4615,189,1954,820,1904,830,7644,575,4574,524,7434,576,4454,584,9724,533,6334,583,5304,652,0124,531,6874,372,3124,372,3124,329,4014,297,7194,321,1654,340,8004,322,7004,203,2004,173,4004,096,8003,085,8003,202,8003,173,5002,929,3002,772,1002,716,1002,619,0002,584,6002,564,8002,485,1002,383,2002,364,3002,336,1002,306,9002,341,4002,334,9002,325,3001,981,0001,972,6001,955,3001,721,4001,706,5001,672,7001,787,5001,604,1001,562,2001,346,800
   > Total Current Assets 
71,300
96,800
74,300
112,100
52,400
78,700
46,100
53,600
53,000
51,200
80,300
79,800
65,500
98,900
87,700
75,500
73,300
82,000
85,500
73,600
78,500
83,300
67,600
68,000
80,000
79,800
64,600
99,500
82,900
84,200
94,700
93,900
82,333
88,695
82,204
0
91,150
87,562
85,983
98,130
60,686
83,759
97,071
2,790,244
2,833,804
2,814,076
2,778,277
3,036,117
3,087,907
3,721,670
3,783,133
3,759,916
3,810,459
3,852,549
3,878,769
3,887,764
3,922,320
3,958,943
4,116,523
4,074,589
3,978,199
3,961,352
3,943,802
3,995,020
4,187,500
4,485,682
4,513,326
4,730,864
4,809,963
4,847,401
4,947,503
4,986,143
4,960,729
4,775,084
4,699,159
4,563,955
4,476,392
4,406,546
4,349,769
4,427,996
4,492,985
4,521,901
4,570,418
4,564,558
4,542,497
4,582,988
4,597,662
4,631,845
4,597,695
4,682,148
4,745,900
4,777,838
4,757,475
4,815,691
4,900,568
5,003,869
5,122,461
5,201,023
5,180,540
5,230,365
5,286,347
5,760,214
5,784,382
5,773,549
5,722,789
5,998,511
6,014,185
6,125,313
6,253,100
6,384,342
6,511,576
6,595,635
6,749,021
7,699,405
7,654,062
7,420,473
7,513,979
7,312,213
7,359,151
1,449,590
1,458,009
1,177,087
893,568
916,905
1,182,615
1,233,372
1,203,652
147,415
147,4151,203,6521,233,3721,182,615916,905893,5681,177,0871,458,0091,449,5907,359,1517,312,2137,513,9797,420,4737,654,0627,699,4056,749,0216,595,6356,511,5766,384,3426,253,1006,125,3136,014,1855,998,5115,722,7895,773,5495,784,3825,760,2145,286,3475,230,3655,180,5405,201,0235,122,4615,003,8694,900,5684,815,6914,757,4754,777,8384,745,9004,682,1484,597,6954,631,8454,597,6624,582,9884,542,4974,564,5584,570,4184,521,9014,492,9854,427,9964,349,7694,406,5464,476,3924,563,9554,699,1594,775,0844,960,7294,986,1434,947,5034,847,4014,809,9634,730,8644,513,3264,485,6824,187,5003,995,0203,943,8023,961,3523,978,1994,074,5894,116,5233,958,9433,922,3203,887,7643,878,7693,852,5493,810,4593,759,9163,783,1333,721,6703,087,9073,036,1172,778,2772,814,0762,833,8042,790,24497,07183,75960,68698,13085,98387,56291,150082,20488,69582,33393,90094,70084,20082,90099,50064,60079,80080,00068,00067,60083,30078,50073,60085,50082,00073,30075,50087,70098,90065,50079,80080,30051,20053,00053,60046,10078,70052,400112,10074,30096,80071,300
       Cash And Cash Equivalents 
71,300
96,800
74,300
112,100
52,400
78,700
46,100
53,600
53,000
51,200
80,300
79,800
65,500
98,900
87,700
75,500
73,300
82,000
85,500
73,600
78,500
83,300
67,600
68,000
80,000
79,800
64,600
99,500
82,900
84,200
94,700
93,900
82,333
88,695
82,204
91,150
91,150
87,562
85,983
102,380
61,965
84,503
99,682
83,087
84,132
92,455
77,384
87,872
72,357
88,187
88,125
81,994
78,644
84,060
90,226
85,028
85,018
90,593
103,137
96,119
84,600
93,717
87,559
102,510
92,773
102,207
93,594
88,566
93,651
85,307
80,026
89,559
136,209
88,358
135,419
69,858
133,319
130,507
89,846
78,478
81,552
86,498
89,064
102,982
55,771
81,982
93,256
77,439
91,414
98,011
84,070
74,538
65,285
67,441
72,764
69,452
73,165
98,620
81,553
115,677
123,104
115,912
128,028
107,292
75,622
103,981
96,184
98,947
123,892
96,280
128,649
121,856
134,175
457,733
380,097
356,581
504,634
284,453
334,674
395,372
524,805
299,800
180,772
154,244
395,802
448,869
337,070
146,993
146,993337,070448,869395,802154,244180,772299,800524,805395,372334,674284,453504,634356,581380,097457,733134,175121,856128,64996,280123,89298,94796,184103,98175,622107,292128,028115,912123,104115,67781,55398,62073,16569,45272,76467,44165,28574,53884,07098,01191,41477,43993,25681,98255,771102,98289,06486,49881,55278,47889,846130,507133,31969,858135,41988,358136,20989,55980,02685,30793,65188,56693,594102,20792,773102,51087,55993,71784,60096,119103,13790,59385,01885,02890,22684,06078,64481,99488,12588,18772,35787,87277,38492,45584,13283,08799,68284,50361,965102,38085,98387,56291,15091,15082,20488,69582,33393,90094,70084,20082,90099,50064,60079,80080,00068,00067,60083,30078,50073,60085,50082,00073,30075,50087,70098,90065,50079,80080,30051,20053,00053,60046,10078,70052,400112,10074,30096,80071,300
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,552
0
0
0
4,250
1,437,306
1,469,400
1,467,113
1,973
1,517,975
1,835,859
1,875,994
5,362
1,959,877
2,251,957
2,198,856
2,403
2,107,360
2,041,415
1,990,929
2,048
1,737,899
1,681,139
1,649,506
985
1,557,247
1,451,019
1,460,909
1,719
1,623,788
1,524,106
1,402,528
289
1,271,925
1,264,685
1,231,015
327
1,062,713
996,220
927,121
4
1,008,453
1,009,332
1,035,200
1,142,776
1,206,943
1,159,202
1,130,822
1,171,303
1,297,203
1,306,687
1,291,063
1,318,365
1,351,039
1,347,611
1,332,774
1,309,819
1,316,361
1,143,072
1,104,709
949,512
950,795
913,420
867,725
815,110
871,423
820,586
810,946
761,195
837,277
876,570
914,085
941,373
918,479
895,471
823,944
919,053
992,041
914,412
921,202
843,450
1,056,703
1,102,057
1,137,675
1,054,218
946,346
877,287
802,871
789,075
786,813
784,503
866,582
1,020,986
1,020,986866,582784,503786,813789,075802,871877,287946,3461,054,2181,137,6751,102,0571,056,703843,450921,202914,412992,041919,053823,944895,471918,479941,373914,085876,570837,277761,195810,946820,586871,423815,110867,725913,420950,795949,5121,104,7091,143,0721,316,3611,309,8191,332,7741,347,6111,351,0391,318,3651,291,0631,306,6871,297,2031,171,3031,130,8221,159,2021,206,9431,142,7761,035,2001,009,3321,008,4534927,121996,2201,062,7133271,231,0151,264,6851,271,9252891,402,5281,524,1061,623,7881,7191,460,9091,451,0191,557,2479851,649,5061,681,1391,737,8992,0481,990,9292,041,4152,107,3602,4032,198,8562,251,9571,959,8775,3621,875,9941,835,8591,517,9751,9731,467,1131,469,4001,437,3064,25000011,55200000000000000000000000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-4,250
-1,279
-744
-2,611
2,707,157
2,749,672
2,721,621
2,700,893
2,948,245
3,015,550
3,633,483
3,695,008
3,677,922
3,731,815
3,768,489
3,788,543
3,802,736
3,837,302
3,868,350
4,013,386
3,978,470
3,893,599
3,867,635
3,856,243
3,892,510
4,094,727
4,383,475
4,419,732
4,642,298
4,716,312
4,762,094
4,867,477
4,896,584
4,824,520
4,686,726
4,563,740
4,494,097
4,343,073
4,276,039
4,259,923
4,349,518
4,411,433
4,435,403
4,481,354
3,290,273
3,189,523
3,194,319
3,213,343
3,236,041
3,155,242
3,236,526
3,329,056
3,393,481
3,422,905
3,658,525
3,777,071
4,047,857
4,159,098
4,247,070
4,285,328
4,336,076
4,330,489
4,858,056
4,877,710
4,934,899
4,834,290
5,043,287
5,028,945
5,117,119
5,236,107
5,422,159
5,570,544
5,571,487
5,642,220
6,339,532
6,365,729
6,232,669
5,966,087
5,937,230
5,899,521
240,888
10,506
12,876
-74,619
154,778
396,226
449,193
337,835
147,415
147,415337,835449,193396,226154,778-74,61912,87610,506240,8885,899,5215,937,2305,966,0876,232,6696,365,7296,339,5325,642,2205,571,4875,570,5445,422,1595,236,1075,117,1195,028,9455,043,2874,834,2904,934,8994,877,7104,858,0564,330,4894,336,0764,285,3284,247,0704,159,0984,047,8573,777,0713,658,5253,422,9053,393,4813,329,0563,236,5263,155,2423,236,0413,213,3433,194,3193,189,5233,290,2734,481,3544,435,4034,411,4334,349,5184,259,9234,276,0394,343,0734,494,0974,563,7404,686,7264,824,5204,896,5844,867,4774,762,0944,716,3124,642,2984,419,7324,383,4754,094,7273,892,5103,856,2433,867,6353,893,5993,978,4704,013,3863,868,3503,837,3023,802,7363,788,5433,768,4893,731,8153,677,9223,695,0083,633,4833,015,5502,948,2452,700,8932,721,6212,749,6722,707,157-2,611-744-1,279-4,250000000000000000000000000000000000000000
   > Long-term Assets 
520,900
585,900
628,400
685,100
675,300
690,400
725,100
868,900
858,000
828,100
876,500
842,900
841,800
761,000
770,700
778,100
770,300
783,500
764,100
736,800
737,800
776,300
789,000
889,300
1,069,700
1,094,400
1,034,900
1,567,200
1,646,400
1,655,400
1,694,900
1,633,200
1,614,135
1,589,044
1,646,450
0
1,681,008
1,782,911
1,870,353
44,671
54,816
54,249
54,108
1,734,499
1,741,653
2,016,688
2,041,913
2,153,078
2,137,554
2,539,314
2,475,644
2,438,562
2,390,131
2,329,200
2,282,272
2,138,556
2,022,190
1,966,443
1,976,016
1,969,327
1,883,013
1,773,836
1,778,294
1,888,598
1,931,479
1,765,730
1,690,464
1,695,016
1,612,611
1,601,596
1,563,936
1,460,150
1,383,100
1,282,985
1,212,544
1,248,887
1,285,974
1,284,756
1,308,293
1,413,126
1,475,659
1,424,915
1,393,220
1,430,832
1,556,542
1,570,028
1,553,300
1,583,016
1,611,702
1,618,074
1,610,198
1,582,447
1,574,367
1,501,037
1,484,181
1,563,021
1,576,693
1,548,798
1,485,943
1,453,653
1,522,630
1,623,172
1,599,957
1,534,990
1,597,978
1,650,244
1,672,160
1,702,942
1,719,573
1,686,512
1,640,451
1,713,138
1,766,084
1,665,250
1,635,304
1,647,631
1,903,010
2,090,189
2,118,703
1,595,529
1,894,793
1,804,837
433,177
1,677,876
1,624,089
1,612,876
1,683,468
11,330,394
11,330,3941,683,4681,612,8761,624,0891,677,876433,1771,804,8371,894,7931,595,5292,118,7032,090,1891,903,0101,647,6311,635,3041,665,2501,766,0841,713,1381,640,4511,686,5121,719,5731,702,9421,672,1601,650,2441,597,9781,534,9901,599,9571,623,1721,522,6301,453,6531,485,9431,548,7981,576,6931,563,0211,484,1811,501,0371,574,3671,582,4471,610,1981,618,0741,611,7021,583,0161,553,3001,570,0281,556,5421,430,8321,393,2201,424,9151,475,6591,413,1261,308,2931,284,7561,285,9741,248,8871,212,5441,282,9851,383,1001,460,1501,563,9361,601,5961,612,6111,695,0161,690,4641,765,7301,931,4791,888,5981,778,2941,773,8361,883,0131,969,3271,976,0161,966,4432,022,1902,138,5562,282,2722,329,2002,390,1312,438,5622,475,6442,539,3142,137,5542,153,0782,041,9132,016,6881,741,6531,734,49954,10854,24954,81644,6711,870,3531,782,9111,681,00801,646,4501,589,0441,614,1351,633,2001,694,9001,655,4001,646,4001,567,2001,034,9001,094,4001,069,700889,300789,000776,300737,800736,800764,100783,500770,300778,100770,700761,000841,800842,900876,500828,100858,000868,900725,100690,400675,300685,100628,400585,900520,900
       Property Plant Equipment 
15,900
20,100
19,900
21,100
20,800
20,100
20,000
21,900
22,200
22,200
27,900
29,200
29,300
29,200
28,900
29,400
29,900
30,900
31,500
32,600
32,800
32,600
32,300
32,600
33,200
35,900
34,500
41,900
41,800
40,800
41,000
40,900
44,036
43,993
44,410
44,671
44,671
44,920
45,601
46,366
46,563
46,071
45,940
45,730
44,877
44,917
43,508
46,538
45,744
53,588
56,576
56,965
58,854
60,864
62,185
60,860
61,230
65,762
68,518
68,901
70,916
70,567
70,133
69,487
69,191
69,890
71,141
72,636
73,376
72,379
72,074
70,742
70,357
69,203
68,270
66,981
66,162
66,776
67,032
66,755
67,482
66,740
67,229
68,970
69,009
67,751
67,050
67,940
66,112
66,060
66,278
64,989
64,816
63,404
62,812
63,454
63,860
63,921
63,356
67,534
66,329
79,670
81,583
81,339
80,868
81,604
80,426
80,474
47,566
131,043
138,112
137,268
136,896
134,780
128,041
125,517
122,326
118,410
117,879
120,775
121,470
121,872
120,227
115,106
130,210
124,246
123,140
121,015
121,015123,140124,246130,210115,106120,227121,872121,470120,775117,879118,410122,326125,517128,041134,780136,896137,268138,112131,04347,56680,47480,42681,60480,86881,33981,58379,67066,32967,53463,35663,92163,86063,45462,81263,40464,81664,98966,27866,06066,11267,94067,05067,75169,00968,97067,22966,74067,48266,75567,03266,77666,16266,98168,27069,20370,35770,74272,07472,37973,37672,63671,14169,89069,19169,48770,13370,56770,91668,90168,51865,76261,23060,86062,18560,86458,85456,96556,57653,58845,74446,53843,50844,91744,87745,73045,94046,07146,56346,36645,60144,92044,67144,67144,41043,99344,03640,90041,00040,80041,80041,90034,50035,90033,20032,60032,30032,60032,80032,60031,50030,90029,90029,40028,90029,20029,30029,20027,90022,20022,20021,90020,00020,10020,80021,10019,90020,10015,900
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,141
8,134
8,132
8,131
8,131
8,131
8,131
29,854
30,156
130,419
128,229
123,607
123,551
122,702
122,702
122,702
122,702
122,702
159,889
160,366
160,759
160,755
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,956
159,371
159,371
159,371
161,429
161,429
161,429
161,429
164,500
164,500
164,500
164,437
186,483
186,483
255,359
255,521
255,353
255,180
274,408
274,202
274,202
274,202
274,202
303,632
303,328
303,328
303,328
303,328
303,328
303,328
303,328
303,328
303,328
303,328
303,328
303,328
303,328
360,414
363,715
363,715
363,715
363,715363,715363,715360,414303,328303,328303,328303,328303,328303,328303,328303,328303,328303,328303,328303,328303,328303,632274,202274,202274,202274,202274,408255,180255,353255,521255,359186,483186,483164,437164,500164,500164,500161,429161,429161,429161,429159,371159,371159,371159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956159,956160,755160,759160,366159,889122,702122,702122,702122,702122,702123,551123,607128,229130,41930,15629,8548,1318,1318,1318,1318,1328,1348,1410000000000000000000000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4,346,245
4,213,927
0
0
3,917,715
3,901,606
3,995,821
4,075,932
4,097,855
4,150,185
4,137,517
4,156,548
4,172,300
4,185,047
4,229,608
4,197,707
4,283,489
4,362,002
4,407,759
4,427,049
4,587,107
4,686,238
4,638,701
5,145,826
5,201,544
5,203,286
4,836,214
5,255,827
5,787,386
5,780,852
5,373,928
5,747,762
5,998,849
6,009,944
6,164,237
6,241,331
6,371,055
6,439,265
6,507,384
6,598,323
7,181,301
7,181,011
7,067,381
7,082,013
1,656,282
1,685,732
1,595,529
1,459,257
1,369,516
8,544,296
1,250,237
1,238,091
1,224,425
1,296,140
1,490,866
1,490,8661,296,1401,224,4251,238,0911,250,2378,544,2961,369,5161,459,2571,595,5291,685,7321,656,2827,082,0137,067,3817,181,0117,181,3016,598,3236,507,3846,439,2656,371,0556,241,3316,164,2376,009,9445,998,8495,747,7625,373,9285,780,8525,787,3865,255,8274,836,2145,203,2865,201,5445,145,8264,638,7014,686,2384,587,1074,427,0494,407,7594,362,0024,283,4894,197,7074,229,6084,185,0474,172,3004,156,5484,137,5174,150,1854,097,8554,075,9323,995,8213,901,6063,917,715004,213,9274,346,2450000000000000000000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
112
44
36
29
22
16
13
3,256
3,182
18,644
18,079
17,513
16,948
16,382
15,817
15,251
14,686
14,120
18,262
16,869
15,999
15,129
14,272
13,441
12,609
11,778
10,976
10,233
9,490
8,747
8,063
7,407
6,752
6,175
5,766
5,376
4,987
4,597
4,214
3,843
3,472
3,101
2,734
2,375
2,017
1,721
1,527
1,311
1,133
955
781
1,665
1,508
1,352
1,196
1,231
1,094
981
912
12,013
11,441
16,671
15,826
15,007
14,223
14,643
13,826
13,038
12,876
12,343
16,873
16,366
15,563
14,744
14,095
13,492
12,820
12,169
11,764
11,188
10,738
10,121
9,622
9,205
25,584
24,736
23,613
22,820
22,82023,61324,73625,5849,2059,62210,12110,73811,18811,76412,16912,82013,49214,09514,74415,56316,36616,87312,34312,87613,03813,82614,64314,22315,00715,82616,67111,44112,0139129811,0941,2311,1961,3521,5081,6657819551,1331,3111,5271,7212,0172,3752,7343,1013,4723,8434,2144,5974,9875,3765,7666,1756,7527,4078,0638,7479,49010,23310,97611,77812,60913,44114,27215,12915,99916,86918,26214,12014,68615,25115,81716,38216,94817,51318,07918,6443,1823,2561316222936441120000000000000000000000000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,336,183
1,286,193
1,218,530
1,291,675
1,351,842
1,591,570
1,510,875
1,495,302
1,905,785
1,870,760
1,945,752
1,924,746
0
0
0
0
0
0
0
0
000000001,924,7461,945,7521,870,7601,905,7851,495,3021,510,8751,591,5701,351,8421,291,6751,218,5301,286,1931,336,183000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Other Assets 
754,600
879,500
901,400
990,300
945,000
937,400
950,200
1,032,800
1,061,600
1,101,700
1,368,500
1,412,200
1,434,100
1,447,000
1,477,700
1,510,700
1,539,600
1,619,600
1,715,200
1,774,200
1,802,700
1,856,500
1,915,500
1,972,000
2,023,800
2,028,600
1,986,300
2,430,100
2,444,100
2,463,600
2,533,100
2,613,700
2,624,697
2,619,980
2,600,747
1,766,479
2,600,154
2,661,214
2,695,676
4,440,729
4,418,131
4,446,964
4,425,266
6,259,242
6,317,110
6,847,452
6,862,103
7,342,273
7,363,015
8,800,298
8,734,421
8,637,040
8,590,721
8,510,949
8,443,313
8,164,876
7,966,700
7,891,829
8,068,555
8,013,243
7,744,225
7,509,024
7,500,390
7,772,216
8,050,458
8,017,142
7,894,254
8,120,896
8,035,185
8,050,593
8,075,375
7,906,443
7,726,929
7,341,054
7,124,247
7,061,729
7,048,340
6,976,058
6,966,355
7,254,248
7,444,303
7,371,731
7,356,858
7,426,222
7,655,581
7,723,044
7,704,262
7,797,877
7,821,099
7,918,296
7,966,296
7,942,732
7,906,209
7,817,765
7,868,930
8,129,911
8,275,847
8,298,619
8,152,426
8,137,671
8,331,607
9,006,558
8,984,296
8,843,529
8,918,745
9,298,999
9,358,505
9,531,197
9,692,246
9,757,366
9,792,478
10,021,911
8,515,105
9,364,655
9,289,366
9,068,104
9,416,989
9,402,402
9,477,854
6,499,974
6,289,322
6,544,503
8,251,885
7,210,885
8,307,048
8,472,356
8,534,868
0
08,534,8688,472,3568,307,0487,210,8858,251,8856,544,5036,289,3226,499,9749,477,8549,402,4029,416,9899,068,1049,289,3669,364,6558,515,10510,021,9119,792,4789,757,3669,692,2469,531,1979,358,5059,298,9998,918,7458,843,5298,984,2969,006,5588,331,6078,137,6718,152,4268,298,6198,275,8478,129,9117,868,9307,817,7657,906,2097,942,7327,966,2967,918,2967,821,0997,797,8777,704,2627,723,0447,655,5817,426,2227,356,8587,371,7317,444,3037,254,2486,966,3556,976,0587,048,3407,061,7297,124,2477,341,0547,726,9297,906,4438,075,3758,050,5938,035,1858,120,8967,894,2548,017,1428,050,4587,772,2167,500,3907,509,0247,744,2258,013,2438,068,5557,891,8297,966,7008,164,8768,443,3138,510,9498,590,7218,637,0408,734,4218,800,2987,363,0157,342,2736,862,1036,847,4526,317,1106,259,2424,425,2664,446,9644,418,1314,440,7292,695,6762,661,2142,600,1541,766,4792,600,7472,619,9802,624,6972,613,7002,533,1002,463,6002,444,1002,430,1001,986,3002,028,6002,023,8001,972,0001,915,5001,856,5001,802,7001,774,2001,715,2001,619,6001,539,6001,510,7001,477,7001,447,0001,434,1001,412,2001,368,5001,101,7001,061,6001,032,800950,200937,400945,000990,300901,400879,500754,600
> Total Liabilities 
1,216,500
1,412,900
1,451,800
1,617,100
1,513,100
1,543,600
1,555,800
1,768,800
1,789,500
1,799,600
2,098,400
2,109,800
2,108,500
2,064,500
2,088,600
2,112,000
2,130,300
2,230,600
2,307,300
2,323,200
2,354,900
2,451,000
2,503,000
2,657,500
2,898,700
2,923,600
2,804,000
3,741,400
3,816,700
3,864,000
3,976,600
4,054,100
4,036,835
4,003,379
4,018,830
4,038,156
4,038,156
4,144,501
4,271,459
4,213,464
4,165,385
4,197,454
4,177,385
4,123,353
4,168,789
4,419,302
4,410,197
4,758,249
4,781,073
5,736,811
5,731,755
5,666,500
5,687,453
5,652,616
5,640,136
5,505,275
5,428,761
5,414,023
5,523,571
5,472,555
5,288,882
5,175,030
5,159,864
5,314,830
5,544,501
5,704,714
5,671,977
5,773,101
5,775,074
5,815,687
5,868,294
5,807,482
5,710,750
5,403,819
5,169,893
5,063,065
5,010,234
4,929,226
4,889,070
5,082,579
5,201,286
5,174,326
5,189,747
5,249,383
5,351,311
5,442,341
5,439,606
5,503,164
5,492,614
5,575,718
5,646,614
5,644,140
5,618,982
5,605,522
5,661,981
5,847,344
5,965,840
6,008,035
5,914,696
5,934,089
6,047,982
6,503,921
6,490,038
6,420,412
6,421,418
6,687,970
6,713,414
6,852,866
6,974,654
7,049,023
7,112,997
7,253,108
7,457,181
8,288,950
8,216,535
7,999,487
8,329,509
8,295,983
8,364,999
8,435,721
8,574,505
8,477,269
8,556,055
8,753,592
9,888,738
10,086,185
10,181,457
10,163,535
10,163,53510,181,45710,086,1859,888,7388,753,5928,556,0558,477,2698,574,5058,435,7218,364,9998,295,9838,329,5097,999,4878,216,5358,288,9507,457,1817,253,1087,112,9977,049,0236,974,6546,852,8666,713,4146,687,9706,421,4186,420,4126,490,0386,503,9216,047,9825,934,0895,914,6966,008,0355,965,8405,847,3445,661,9815,605,5225,618,9825,644,1405,646,6145,575,7185,492,6145,503,1645,439,6065,442,3415,351,3115,249,3835,189,7475,174,3265,201,2865,082,5794,889,0704,929,2265,010,2345,063,0655,169,8935,403,8195,710,7505,807,4825,868,2945,815,6875,775,0745,773,1015,671,9775,704,7145,544,5015,314,8305,159,8645,175,0305,288,8825,472,5555,523,5715,414,0235,428,7615,505,2755,640,1365,652,6165,687,4535,666,5005,731,7555,736,8114,781,0734,758,2494,410,1974,419,3024,168,7894,123,3534,177,3854,197,4544,165,3854,213,4644,271,4594,144,5014,038,1564,038,1564,018,8304,003,3794,036,8354,054,1003,976,6003,864,0003,816,7003,741,4002,804,0002,923,6002,898,7002,657,5002,503,0002,451,0002,354,9002,323,2002,307,3002,230,6002,130,3002,112,0002,088,6002,064,5002,108,5002,109,8002,098,4001,799,6001,789,5001,768,8001,555,8001,543,6001,513,1001,617,1001,451,8001,412,9001,216,500
   > Total Current Liabilities 
35,800
39,300
65,800
52,700
92,500
99,600
111,600
171,500
1,781,600
1,792,000
2,091,000
2,102,200
2,100,700
2,057,000
2,083,000
2,106,700
2,125,300
2,225,900
2,302,900
2,282,400
2,303,200
2,399,000
2,442,300
3,121,100
2,524,200
2,550,400
2,422,400
3,110,500
3,186,600
3,225,500
3,303,300
3,415,800
3,395,700
3,360,700
3,396,300
3,381,300
3,381,300
3,514,100
3,606,700
3,549,300
3,483,500
3,516,300
3,496,800
469,065
408,725
594,210
655,357
634,127
616,148
727,698
976,873
946,474
919,636
694,830
738,233
665,665
601,426
654,315
494,877
500,014
309,895
147,346
237,734
354,201
642,869
834,226
875,424
1,152,700
1,111,220
998,259
1,043,447
958,932
794,195
355,682
162,020
187,861
155,342
161,935
173,779
312,777
309,373
474,264
461,770
178,100
308,100
441,848
551,628
478,100
572,965
845,873
1,034,967
945,000
1,125,520
1,231,917
1,329,794
1,400,000
1,518,742
1,464,687
1,330,327
748,000
961,601
846,137
805,825
567,500
588,016
545,187
587,806
565,000
565,616
555,080
83,735
136,200
146,971
108,484
122,356
117,373
110,762
107,372
117,754
138,315
95,748
88,923
97,932
285,000
278,978
542,839
544,060
4,673,434
4,673,434544,060542,839278,978285,00097,93288,92395,748138,315117,754107,372110,762117,373122,356108,484146,971136,20083,735555,080565,616565,000587,806545,187588,016567,500805,825846,137961,601748,0001,330,3271,464,6871,518,7421,400,0001,329,7941,231,9171,125,520945,0001,034,967845,873572,965478,100551,628441,848308,100178,100461,770474,264309,373312,777173,779161,935155,342187,861162,020355,682794,195958,9321,043,447998,2591,111,2201,152,700875,424834,226642,869354,201237,734147,346309,895500,014494,877654,315601,426665,665738,233694,830919,636946,474976,873727,698616,148634,127655,357594,210408,725469,0653,496,8003,516,3003,483,5003,549,3003,606,7003,514,1003,381,3003,381,3003,396,3003,360,7003,395,7003,415,8003,303,3003,225,5003,186,6003,110,5002,422,4002,550,4002,524,2003,121,1002,442,3002,399,0002,303,2002,282,4002,302,9002,225,9002,125,3002,106,7002,083,0002,057,0002,100,7002,102,2002,091,0001,792,0001,781,600171,500111,60099,60092,50052,70065,80039,30035,800
       Short-term Debt 
35,800
39,300
65,800
52,700
92,500
99,600
111,600
171,500
174,500
157,000
176,400
201,700
201,000
117,900
105,900
120,800
100,200
149,200
200,100
150,300
134,800
145,500
189,900
193,900
243,500
244,600
102,500
140,500
238,500
223,800
331,000
424,800
444,799
308,496
354,401
272,171
272,171
272,031
371,934
427,736
341,985
305,647
334,580
469,065
408,725
594,210
655,357
634,127
616,148
727,698
976,873
946,474
919,636
694,830
738,233
665,665
601,426
654,315
494,877
500,014
309,895
147,346
237,734
354,201
642,869
834,226
875,424
1,152,700
1,111,220
998,259
1,043,447
958,932
794,195
355,682
162,020
187,861
155,342
161,935
173,779
312,777
309,373
474,264
461,770
356,227
308,100
441,848
551,628
626,615
572,965
845,873
1,034,967
1,105,876
1,125,520
1,231,917
1,329,794
1,510,825
1,518,742
1,464,687
1,330,327
867,943
961,601
846,137
805,825
707,466
588,016
545,187
587,806
721,823
565,616
555,080
83,735
201,853
146,971
108,484
122,356
117,373
110,762
107,372
117,754
138,315
95,748
88,923
97,932
372,694
278,978
542,839
544,060
604,449
604,449544,060542,839278,978372,69497,93288,92395,748138,315117,754107,372110,762117,373122,356108,484146,971201,85383,735555,080565,616721,823587,806545,187588,016707,466805,825846,137961,601867,9431,330,3271,464,6871,518,7421,510,8251,329,7941,231,9171,125,5201,105,8761,034,967845,873572,965626,615551,628441,848308,100356,227461,770474,264309,373312,777173,779161,935155,342187,861162,020355,682794,195958,9321,043,447998,2591,111,2201,152,700875,424834,226642,869354,201237,734147,346309,895500,014494,877654,315601,426665,665738,233694,830919,636946,474976,873727,698616,148634,127655,357594,210408,725469,065334,580305,647341,985427,736371,934272,031272,171272,171354,401308,496444,799424,800331,000223,800238,500140,500102,500244,600243,500193,900189,900145,500134,800150,300200,100149,200100,200120,800105,900117,900201,000201,700176,400157,000174,500171,500111,60099,60092,50052,70065,80039,30035,800
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
80,142
0
0
0
563
1,518,742
1,464,687
1,330,327
586
961,601
846,137
898,862
607
680,571
738,062
0
631
565,616
555,080
83,735
136,200
146,971
108,484
122,356
117,373
110,762
107,372
117,754
138,315
95,748
88,923
97,932
372,694
278,978
542,839
544,060
563,000
563,000544,060542,839278,978372,69497,93288,92395,748138,315117,754107,372110,762117,373122,356108,484146,971136,20083,735555,080565,6166310738,062680,571607898,862846,137961,6015861,330,3271,464,6871,518,74256300080,1420000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,906,778
3,010,372
3,001,971
3,064,146
3,151,099
3,214,617
3,207,713
3,093,150
3,104,553
3,183,634
3,134,068
3,044,124
3,147,135
3,219,809
3,150,790
3,288,275
3,305,393
3,894,074
3,851,351
3,844,475
3,891,682
4,051,974
4,059,683
3,996,552
3,995,738
3,998,805
4,318,942
4,326,440
4,355,387
4,407,771
4,333,943
4,347,219
4,320,668
4,312,469
4,261,130
4,280,343
4,318,428
4,485,890
4,497,037
4,535,785
4,652,269
4,738,638
4,727,871
4,617,852
4,629,968
4,536,148
4,484,878
4,504,684
4,633,831
4,461,962
4,494,434
4,557,881
4,711,578
4,733,047
4,617,801
4,603,863
4,647,817
4,460,421
4,372,388
4,315,511
4,293,749
4,210,107
4,161,490
4,195,894
4,301,655
4,394,520
4,458,980
4,947,408
4,969,729
5,533,135
5,555,057
5,580,705
5,703,522
5,913,574
5,895,143
5,897,992
6,130,760
6,155,965
6,677,996
6,677,615
6,923,088
7,782,201
7,703,907
7,438,666
7,869,256
7,885,019
7,936,485
7,982,498
8,171,847
8,053,545
8,077,649
8,005,469
0
0
9,241,065
0
09,241,065008,005,4698,077,6498,053,5458,171,8477,982,4987,936,4857,885,0197,869,2567,438,6667,703,9077,782,2016,923,0886,677,6156,677,9966,155,9656,130,7605,897,9925,895,1435,913,5745,703,5225,580,7055,555,0575,533,1354,969,7294,947,4084,458,9804,394,5204,301,6554,195,8944,161,4904,210,1074,293,7494,315,5114,372,3884,460,4214,647,8174,603,8634,617,8014,733,0474,711,5784,557,8814,494,4344,461,9624,633,8314,504,6844,484,8784,536,1484,629,9684,617,8524,727,8714,738,6384,652,2694,535,7854,497,0374,485,8904,318,4284,280,3434,261,1304,312,4694,320,6684,347,2194,333,9434,407,7714,355,3874,326,4404,318,9423,998,8053,995,7383,996,5524,059,6834,051,9743,891,6823,844,4753,851,3513,894,0743,305,3933,288,2753,150,7903,219,8093,147,1353,044,1243,134,0683,183,6343,104,5533,093,1503,207,7133,214,6173,151,0993,064,1463,001,9713,010,3722,906,77800000000000000000000000000000000
       Other Current Liabilities 
-35,800
-39,300
-65,800
-52,700
-92,500
-99,600
-111,600
-171,500
1,607,100
1,635,000
1,914,600
1,900,500
1,899,700
1,939,100
1,977,100
1,985,900
2,025,100
2,076,700
2,102,800
2,132,100
2,168,400
2,253,500
2,252,400
2,927,200
2,280,700
2,305,800
2,319,900
2,970,000
2,948,100
3,001,700
2,972,300
2,991,000
2,950,901
3,052,204
3,041,899
0
3,109,129
3,242,069
3,234,766
3,121,564
3,141,515
3,210,653
3,162,220
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4,738,638
4,727,871
0
0
4,536,148
4,484,878
4,504,684
4,633,831
4,461,962
4,494,434
-178,127
4,711,578
4,733,047
4,617,801
-148,515
4,647,817
4,460,421
4,372,388
-160,876
4,293,749
4,210,107
4,161,490
-110,825
4,301,655
4,394,520
4,458,980
-119,943
4,969,729
5,533,135
5,555,057
-139,966
5,703,522
5,913,574
5,895,143
-156,823
6,130,760
6,155,965
6,677,996
-65,653
6,923,088
7,782,201
7,703,907
25,261
7,869,256
7,885,019
7,936,485
7,982,498
8,171,847
8,053,545
8,077,649
-87,694
-278,978
-542,839
-544,060
4,068,985
4,068,985-544,060-542,839-278,978-87,6948,077,6498,053,5458,171,8477,982,4987,936,4857,885,0197,869,25625,2617,703,9077,782,2016,923,088-65,6536,677,9966,155,9656,130,760-156,8235,895,1435,913,5745,703,522-139,9665,555,0575,533,1354,969,729-119,9434,458,9804,394,5204,301,655-110,8254,161,4904,210,1074,293,749-160,8764,372,3884,460,4214,647,817-148,5154,617,8014,733,0474,711,578-178,1274,494,4344,461,9624,633,8314,504,6844,484,8784,536,148004,727,8714,738,6380000000000000000000000000000003,162,2203,210,6533,141,5153,121,5643,234,7663,242,0693,109,12903,041,8993,052,2042,950,9012,991,0002,972,3003,001,7002,948,1002,970,0002,319,9002,305,8002,280,7002,927,2002,252,4002,253,5002,168,4002,132,1002,102,8002,076,7002,025,1001,985,9001,977,1001,939,1001,899,7001,900,5001,914,6001,635,0001,607,100-171,500-111,600-99,600-92,500-52,700-65,800-39,300-35,800
   > Long-term Liabilities 
6,300
8,700
8,300
8,100
8,000
7,800
7,600
7,400
7,900
7,600
7,400
7,600
7,800
7,600
5,600
5,300
5,000
4,700
4,500
40,900
51,600
52,000
60,700
193,100
374,400
373,300
381,600
630,900
630,100
638,500
673,300
638,400
641,100
642,700
622,500
0
656,900
665,400
664,800
664,200
681,900
681,200
680,600
579,934
579,230
578,408
577,578
793,972
824,915
1,074,676
864,876
839,574
837,863
870,103
804,830
799,744
793,645
722,241
664,444
593,420
578,282
576,106
544,031
547,946
532,705
510,214
492,038
276,280
289,171
286,672
285,534
274,447
224,834
261,000
225,225
204,498
179,743
179,102
178,459
207,414
206,768
181,120
180,471
280,221
280,068
216,782
216,668
216,552
216,435
208,839
188,706
161,626
136,491
111,356
111,219
81,481
81,342
81,201
81,059
80,916
80,771
88,389
88,155
87,918
87,676
185,568
185,266
185,056
184,841
234,623
234,404
234,182
233,955
233,723
233,490
233,255
233,012
182,767
182,519
182,269
182,012
181,752
8,458,123
285,000
278,978
187,276
187,017
5,490,101
5,490,101187,017187,276278,978285,0008,458,123181,752182,012182,269182,519182,767233,012233,255233,490233,723233,955234,182234,404234,623184,841185,056185,266185,56887,67687,91888,15588,38980,77180,91681,05981,20181,34281,481111,219111,356136,491161,626188,706208,839216,435216,552216,668216,782280,068280,221180,471181,120206,768207,414178,459179,102179,743204,498225,225261,000224,834274,447285,534286,672289,171276,280492,038510,214532,705547,946544,031576,106578,282593,420664,444722,241793,645799,744804,830870,103837,863839,574864,8761,074,676824,915793,972577,578578,408579,230579,934680,600681,200681,900664,200664,800665,400656,9000622,500642,700641,100638,400673,300638,500630,100630,900381,600373,300374,400193,10060,70052,00051,60040,9004,5004,7005,0005,3005,6007,6007,8007,6007,4007,6007,9007,4007,6007,8008,0008,1008,3008,7006,300
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
261,000
225,225
0
0
179,102
178,459
207,414
206,768
181,120
180,471
280,221
280,068
216,782
216,668
216,552
216,435
208,839
188,706
161,626
136,491
111,356
111,219
81,481
81,342
81,201
81,059
80,916
80,771
88,389
88,155
87,918
87,676
185,568
185,266
185,056
184,841
234,623
234,404
234,182
233,955
233,723
233,490
233,255
233,012
182,767
182,519
182,269
182,012
181,752
181,489
181,224
187,531
187,276
187,017
0
0187,017187,276187,531181,224181,489181,752182,012182,269182,519182,767233,012233,255233,490233,723233,955234,182234,404234,623184,841185,056185,266185,56887,67687,91888,15588,38980,77180,91681,05981,20181,34281,481111,219111,356136,491161,626188,706208,839216,435216,552216,668216,782280,068280,221180,471181,120206,768207,414178,459179,10200225,225261,0000000000000000000000000000000000000000000000000000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
44,163
41,781
39,997
44,984
33,739
27,499
27,022
28,358
36,989
26,958
28,160
30,230
33,699
26,875
26,472
41,875
34,617
40,363
38,655
35,977
38,272
35,709
37,390
43,314
37,952
38,662
45,308
52,681
45,318
43,807
44,156
65,464
48,259
47,805
43,385
63,778
56,255
44,866
42,276
38,318
39,452
48,499
54,777
52,854
45,181
52,041
51,954
57,704
51,314
56,980
53,072
55,054
51,565
50,664
53,509
56,134
55,397
60,585
50,553
61,127
63,222
52,142
59,478
59,144
64,101
67,627
44,330
37,822
35,881
36,260
41,001
44,323
42,204
36,334
35,789
45,914
34,198
31,851
35,341
65,095
37,105
44,427
41,750
210,193
116,479
33,658
128,241
132,639
124,898
153,049
198,985
59,758
0
71,694
59,719
0
059,71971,694059,758198,985153,049124,898132,639128,24133,658116,479210,19341,75044,42737,10565,09535,34131,85134,19845,91435,78936,33442,20444,32341,00136,26035,88137,82244,33067,62764,10159,14459,47852,14263,22261,12750,55360,58555,39756,13453,50950,66451,56555,05453,07256,98051,31457,70451,95452,04145,18152,85454,77748,49939,45238,31842,27644,86656,25563,77843,38547,80548,25965,46444,15643,80745,31852,68145,30838,66237,95243,31437,39035,70938,27235,97738,65540,36334,61741,87526,47226,87533,69930,23028,16026,95836,98928,35827,02227,49933,73944,98439,99741,78144,16300000000000000000000000000000000
> Total Stockholder Equity
130,300
149,300
152,300
170,400
159,600
162,900
165,600
186,500
183,100
181,400
226,900
225,100
232,900
242,400
247,500
252,300
252,900
254,500
257,500
261,400
264,100
265,100
269,100
271,800
274,800
279,200
281,800
355,400
356,700
339,200
346,100
286,700
284,330
294,340
310,571
334,156
334,156
352,186
380,553
370,066
368,248
387,518
399,060
401,390
406,668
411,462
409,993
430,946
444,388
524,173
527,022
531,978
513,137
529,133
520,905
521,045
515,749
511,363
568,968
571,361
572,330
560,158
562,232
568,788
574,478
546,698
531,813
652,779
647,500
633,310
643,145
638,811
633,079
654,250
741,810
749,777
752,132
762,076
768,992
758,543
767,358
772,490
773,891
746,007
747,728
710,675
711,356
711,697
716,783
724,504
709,484
716,145
712,860
711,206
722,768
719,546
733,314
741,786
751,787
749,929
760,995
879,465
894,301
888,127
899,349
960,785
972,931
975,389
998,019
1,021,831
1,039,030
1,055,665
1,057,924
1,075,705
1,072,831
1,068,617
1,087,480
1,106,419
1,112,855
1,109,372
1,067,619
1,049,158
1,022,575
1,052,074
1,225,014
1,232,419
1,240,531
1,314,274
1,314,2741,240,5311,232,4191,225,0141,052,0741,022,5751,049,1581,067,6191,109,3721,112,8551,106,4191,087,4801,068,6171,072,8311,075,7051,057,9241,055,6651,039,0301,021,831998,019975,389972,931960,785899,349888,127894,301879,465760,995749,929751,787741,786733,314719,546722,768711,206712,860716,145709,484724,504716,783711,697711,356710,675747,728746,007773,891772,490767,358758,543768,992762,076752,132749,777741,810654,250633,079638,811643,145633,310647,500652,779531,813546,698574,478568,788562,232560,158572,330571,361568,968511,363515,749521,045520,905529,133513,137531,978527,022524,173444,388430,946409,993411,462406,668401,390399,060387,518368,248370,066380,553352,186334,156334,156310,571294,340284,330286,700346,100339,200356,700355,400281,800279,200274,800271,800269,100265,100264,100261,400257,500254,500252,900252,300247,500242,400232,900225,100226,900181,400183,100186,500165,600162,900159,600170,400152,300149,300130,300
   Common Stock
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
62,500
62,525
62,525
62,525
62,525
62,525
62,525
62,525
62,525
62,525
62,525
62,525
62,525
62,525
62,525
62,525
63,704
63,704
71,978
71,978
71,978
71,978
71,978
71,978
71,978
71,978
71,978
75,100
75,100
75,100
75,100
75,100
75,100
75,100
75,100
75,100
86,600
86,600
86,600
86,600
86,600
86,755
86,971
105,515
105,515
105,515
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
105,563
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
113,915
123,603
123,603
123,603
123,603
123,603123,603123,603123,603113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915113,915105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,563105,515105,515105,51586,97186,75586,60086,60086,60086,60086,60075,10075,10075,10075,10075,10075,10075,10075,10075,10071,97871,97871,97871,97871,97871,97871,97871,97871,97863,70463,70462,52562,52562,52562,52562,52562,52562,52562,52562,52562,52562,52562,52562,52562,52562,52562,5000000000000000000000000000000000
   Retained Earnings 
78,400
80,000
82,800
93,300
89,800
92,900
95,600
107,400
98,600
101,500
140,900
146,800
149,500
151,900
155,800
157,600
160,700
163,600
165,400
168,700
171,900
174,700
179,000
181,100
184,100
187,400
191,800
235,600
240,500
247,300
253,500
257,800
261,091
266,047
269,458
272,169
272,169
279,329
283,572
288,219
287,062
289,202
292,560
296,165
300,324
304,595
309,241
312,261
315,804
316,253
302,327
307,363
311,047
317,342
318,751
318,569
319,523
319,740
322,583
322,415
320,734
319,677
319,472
319,246
317,058
317,611
315,404
309,947
305,712
287,092
278,695
278,887
258,593
271,139
280,706
291,492
293,518
297,796
302,982
294,056
301,194
307,466
312,049
315,608
321,185
321,135
331,203
334,748
340,430
345,771
351,718
353,027
360,841
368,060
374,247
378,081
384,330
390,110
401,079
412,764
421,533
427,748
441,231
437,416
454,227
477,276
493,392
511,409
526,136
543,566
560,360
577,348
571,256
584,312
592,704
596,614
625,806
644,362
667,422
691,260
708,149
727,573
750,335
774,863
792,720
822,619
849,049
881,112
881,112849,049822,619792,720774,863750,335727,573708,149691,260667,422644,362625,806596,614592,704584,312571,256577,348560,360543,566526,136511,409493,392477,276454,227437,416441,231427,748421,533412,764401,079390,110384,330378,081374,247368,060360,841353,027351,718345,771340,430334,748331,203321,135321,185315,608312,049307,466301,194294,056302,982297,796293,518291,492280,706271,139258,593278,887278,695287,092305,712309,947315,404317,611317,058319,246319,472319,677320,734322,415322,583319,740319,523318,569318,751317,342311,047307,363302,327316,253315,804312,261309,241304,595300,324296,165292,560289,202287,062288,219283,572279,329272,169272,169269,458266,047261,091257,800253,500247,300240,500235,600191,800187,400184,100181,100179,000174,700171,900168,700165,400163,600160,700157,600155,800151,900149,500146,800140,900101,50098,600107,40095,60092,90089,80093,30082,80080,00078,400
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
303,961
366,647
0
0
366,266
366,070
365,868
365,707
365,541
365,394
365,354
365,354
365,352
365,338
365,333
365,469
365,550
365,576
365,615
365,874
365,933
365,950
365,981
366,090
366,181
366,291
366,426
367,607
470,123
470,123
470,123
471,768
492,262
492,262
492,273
493,664
493,737
493,737
493,737
494,181
494,682
494,682
494,683
495,720
495,899
495,929
496,121
496,627
497,431
497,431
497,431
630,196
630,246
630,246
0
0630,246630,246630,196497,431497,431497,431496,627496,121495,929495,899495,720494,683494,682494,682494,181493,737493,737493,737493,664492,273492,262492,262471,768470,123470,123470,123367,607366,426366,291366,181366,090365,981365,950365,933365,874365,615365,576365,550365,469365,333365,338365,352365,354365,354365,394365,541365,707365,868366,070366,26600366,647303,9610000000000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock00-205,498-196,9350-196,817-192,736-182,912-183,156-167,927-154,872-154,159-153,828-147,581-138,726-138,780-134,914-135,059-133,080-131,594-130,867-105,981-106,107-127,552-127,154-126,997-127,330-127,625-127,797-127,908-128,015-127,947-127,693-127,953-128,210-122,120-103,561-103,697-86,358-82,187-73,359-71,279-64,653-44,062-41,777-13,982-8,314-7,046-7,345-7,436-7,458-7,470-7,660-7,967-8,457-8,829-16,554-17,706-17,766-17,811-17,907-18,411-21,054-22,293-22,700-22,814-16,155-14,138-14,953-16,171-16,947-18,672-20,214-33,644-36,566-36,054-32,818-37,301-33,547-32,619-39,773-43,091-46,120-47,323-44,981-46,429-47,286-49,038-51,431-51,540-53,241-54,329-54,666-54,801-55,934-55,93400000000000000000000000000000000
   Other Stockholders Equity 
51,900
69,300
69,500
77,100
69,800
70,000
70,000
79,100
84,500
88,400
96,000
95,100
93,800
93,900
94,000
94,200
92,200
92,000
91,600
91,400
91,300
88,900
89,000
89,100
89,700
90,000
90,000
117,600
118,200
118,600
119,400
-33,600
-39,286
-34,232
-21,412
0
-538
45,332
34,456
19,322
18,661
35,791
43,975
19,904
20,147
20,760
23,087
41,802
46,164
143,480
144,675
148,810
148,974
148,948
151,899
153,753
154,697
155,760
192,450
193,360
193,820
191,398
184,496
184,189
184,205
185,191
187,542
277,501
277,951
278,236
278,612
279,369
288,912
290,904
354,580
355,228
355,768
356,208
356,534
356,923
357,561
356,627
351,312
323,577
321,292
300,699
294,059
291,974
283,282
279,192
261,879
262,054
243,754
237,723
237,997
238,288
238,143
238,166
238,383
238,629
239,982
342,793
343,126
342,969
344,216
386,155
386,281
361,406
362,070
360,657
358,678
358,823
355,401
355,956
347,101
340,855
341,561
341,027
328,002
1,109,372
313,715
304,695
300,614
300,988
433,261
424,748
421,933
421,315
421,315421,933424,748433,261300,988300,614304,695313,7151,109,372328,002341,027341,561340,855347,101355,956355,401358,823358,678360,657362,070361,406386,281386,155344,216342,969343,126342,793239,982238,629238,383238,166238,143238,288237,997237,723243,754262,054261,879279,192283,282291,974294,059300,699321,292323,577351,312356,627357,561356,923356,534356,208355,768355,228354,580290,904288,912279,369278,612278,236277,951277,501187,542185,191184,205184,189184,496191,398193,820193,360192,450155,760154,697153,753151,899148,948148,974148,810144,675143,48046,16441,80223,08720,76020,14719,90443,97535,79118,66119,32234,45645,332-5380-21,412-34,232-39,286-33,600119,400118,600118,200117,60090,00090,00089,70089,10089,00088,90091,30091,40091,60092,00092,20094,20094,00093,90093,80095,10096,00088,40084,50079,10070,00070,00069,80077,10069,50069,30051,900



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue626,086
Cost of Revenue--303
Gross Profit626,389626,389
 
Operating Income (+$)
Gross Profit626,389
Operating Expense-72,274
Operating Income-13,200554,115
 
Operating Expense (+$)
Research Development0
Selling General Administrative149,131
Selling And Marketing Expenses5,713
Operating Expense72,274154,844
 
Net Interest Income (+$)
Interest Income479,523
Interest Expense-31,916
Other Finance Cost-72,140
Net Interest Income375,467
 
Pretax Income (+$)
Operating Income-13,200
Net Interest Income375,467
Other Non-Operating Income Expenses0
Income Before Tax (EBT)197,555-210,755
EBIT - interestExpense = -45,116
197,555
188,979
Interest Expense31,916
Earnings Before Interest and Taxes (EBIT)-13,200229,471
Earnings Before Interest and Taxes (EBITDA)4,983
 
After tax Income (+$)
Income Before Tax197,555
Tax Provision-37,749
Net Income From Continuing Ops147,969159,806
Net Income157,063
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses414,652
Total Other Income/Expenses Net197,555-375,467
 

Technical Analysis of First Commonwealth Financial
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of First Commonwealth Financial. The general trend of First Commonwealth Financial is BULLISH with 28.6% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine First Commonwealth Financial's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (28.6%) Bearish trend (-28.6%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of First Commonwealth Financial.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 13.80 < 13.82 < 14.11.

The bearish price targets are: 12.87 > 12.75 > 12.46.

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First Commonwealth Financial Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of First Commonwealth Financial. The current mas is .

The long score for the Moving Averages is 9/14.
The longshort score for the Moving Averages is 4/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

First Commonwealth Financial Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of First Commonwealth Financial. The current macd is 0.00162185.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the First Commonwealth Financial price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for First Commonwealth Financial. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the First Commonwealth Financial price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
First Commonwealth Financial Daily Moving Average Convergence/Divergence (MACD) ChartFirst Commonwealth Financial Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of First Commonwealth Financial. The current adx is 14.01.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy First Commonwealth Financial shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
First Commonwealth Financial Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of First Commonwealth Financial. The current sar is 12.92.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
First Commonwealth Financial Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of First Commonwealth Financial. The current rsi is 57.37. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
First Commonwealth Financial Daily Relative Strength Index (RSI) ChartFirst Commonwealth Financial Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of First Commonwealth Financial. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the First Commonwealth Financial price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
First Commonwealth Financial Daily Stochastic Oscillator ChartFirst Commonwealth Financial Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of First Commonwealth Financial. The current cci is 96.44.

First Commonwealth Financial Daily Commodity Channel Index (CCI) ChartFirst Commonwealth Financial Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of First Commonwealth Financial. The current cmo is 24.57.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
First Commonwealth Financial Daily Chande Momentum Oscillator (CMO) ChartFirst Commonwealth Financial Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of First Commonwealth Financial. The current willr is -1.06382979.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
First Commonwealth Financial Daily Williams %R ChartFirst Commonwealth Financial Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of First Commonwealth Financial.

First Commonwealth Financial Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of First Commonwealth Financial. The current atr is 0.3372009.

First Commonwealth Financial Daily Average True Range (ATR) ChartFirst Commonwealth Financial Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of First Commonwealth Financial. The current obv is -24,263,228.

First Commonwealth Financial Daily On-Balance Volume (OBV) ChartFirst Commonwealth Financial Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of First Commonwealth Financial. The current mfi is 45.54.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
First Commonwealth Financial Daily Money Flow Index (MFI) ChartFirst Commonwealth Financial Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for First Commonwealth Financial.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-03BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-13STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-14CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-17STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-21STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-22STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-24STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-27SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-11-29SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-01CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-07STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-08BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-11STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-12RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-14ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-18RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-19STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-20RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-21STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-22CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-28STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-29SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-03CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-04WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-08STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-09CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-11DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-01-12STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-17STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-19SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-22DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-25CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-26CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-29WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-30MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-01-31MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-01CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-02STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-09STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-15STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-16CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-20MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-22MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-02-23MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-02-26MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-28CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-29STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-04SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-03-05DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-11STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-12STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-13DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-03-14SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-03-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-18STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-20DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-21CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-22SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-26CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-27STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).

6.3. Candlestick Patterns

First Commonwealth Financial Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of First Commonwealth Financial based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5057.370
Ma 20Greater thanMa 5013.351
Ma 50Greater thanMa 10013.609
Ma 100Greater thanMa 20013.882
OpenGreater thanClose13.410
Total2/5 (40.0%)
Penke

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