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FCF

First Commonwealth Financial
Chart
$19.11
Latest Week 2026-06-05
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-06-07 · 0.0w · Fresh
0.94
OS Score
83.0%
Value
85.0%
Quality
72.0%
Momentum
7/9
F-Score
0.840
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
11 of 23 passing
★
OS Composite
OS 0.940
↗
Trending Value
✗
◆
Quality × Value
QV 0.840
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 12.5
◇
VC2 Cheapest
✗
📐
EBITDA/EV
10.5%
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
✗
🔄
Shareholder Yield
2.9%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 21%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 83th
🛡
Low Volatility
Vol 21%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 1.02
V
Value Analysis
Cheapness relative to fundamentals
83.0%ile
P/E
12.5×
P/S
2.6×
P/B
1.3×
E/P
0.0803
FCF Yield
0.127
EBITDA/EV
0.105
SH Yield
0.029
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
21.00000000
/100 — 1=cheapest
VC2 (Trending Value)
18.00000000
/100
VC3 (Buyback)
18.00000000
/100
FCF yield of 12.7% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
85.0%ile
ROE
0.101
ROA
0.013
Net Margin
0.213
Op Margin
0.277
GPA
0.041
D/E
6.90
Current
4.39
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.056
Earn Growth
0.141
Stability
0.120
lower=better
Accruals
-0.005
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 6.90 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
72.0%ile
6M Return
17.6%
12M Return
24.8%
12-1 Mom
21.2%
Risk-Adj
1.02
Vol 252d
20.8%
Vol 60d
44.1%
↑ Expanding
Max DD 12M
-14.5%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 21% is very strong — a clear uptrend. Near-term vol (44%) is expanding vs long-term (21%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.94
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
55.9%
Sector Quality %ile
74.1%
P/E z-score
-0.07
P/B z-score
-0.06
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
RM Regional Management Corp 98.0% 95.0% 90.0% 79.0%
RILYL BRC Group Holdings, Inc. 98.0% 93.0% 79.0% 98.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (83th) and quality (85th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (83th value) with strong momentum (72th). The market is starting to recognise the value.
Volatility Expanding
60-day vol (44%) significantly exceeds 252-day (21%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
72.3% avg (7 factors)
Quality
C
48.3% avg (8 factors)
Momentum
C
58.1% avg (4 factors)
Risk
A
82.0% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.940—1—
Value %ile0.830—1—
Quality %ile0.850—1—
Momentum %ile0.720—1—
F-Score7.000—1—
Confidence1.000—1—
Volatility0.208—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
12.45
Earnings Yield (E/P)
0.0803
Price / Sales
2.65
Price / Book
1.26
Price / Cash Flow
8.96
FCF Yield
12.7%
EBITDA / EV
10.5%
Sales Yield (1/P·S)
0.3707
Shareholder Yield
Div + net buyback / mktcap
2.9%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
10.1%
Return on Assets
1.3%
Net Margin
21.3%
Operating Margin
27.7%
Gross Profit / Assets
Novy-Marx GPA
4.1%
Debt / Equity
6.90
Current Ratio
4.39
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.005
MomentumPrice trend strength over different horizons
6M Return
17.6%
12M Return
24.8%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
21.2%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.02
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
5.6%
Earnings Growth (YoY)
14.1%
Earnings Stability (CV)
Lower = more stable
0.120
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
7
Dividend Yield
2.9%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
21
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
18
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
18
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity