First Commonwealth Financial (FCF)
Market Price (12/28/2025): $17.1 | Market Cap: $1.8 BilSector: Financials | Industry: Regional Banks
First Commonwealth Financial (FCF)
Market Price (12/28/2025): $17.1Market Cap: $1.8 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.9%, FCF Yield is 7.4% | Trading close to highsDist 52W High is -4.3% | Key risksFCF key risks include [1] deteriorating credit quality, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -42% | Weak multi-year price returns2Y Excs Rtn is -27%, 3Y Excs Rtn is -42% | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 30%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26% | Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11% | |
| Low stock price volatilityVol 12M is 26% | ||
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 26% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.9%, FCF Yield is 7.4% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -42% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 30%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26% |
| Low stock price volatilityVol 12M is 26% |
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Trading close to highsDist 52W High is -4.3% |
| Weak multi-year price returns2Y Excs Rtn is -27%, 3Y Excs Rtn is -42% |
| Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11% |
| Key risksFCF key risks include [1] deteriorating credit quality, Show more. |
Why The Stock Moved
Qualitative Assessment
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The requested time period for the stock movement (August 31, 2025, to December 28, 2025) is in the future. Therefore, actual stock performance data and the reasons for a specific -2.8% movement for this future period are not yet available. However, based on available forward-looking statements and financial news for First Commonwealth Financial (FCF) within and around this period, we can highlight potential contributing factors or relevant events that could influence stock performance.
Here are some key points related to First Commonwealth Financial during the approximate period, which could hypothetically contribute to stock movements, without confirming a -2.8% change:
<br><br><b>1. Missed Third Quarter 2025 Earnings Estimates:</b> First Commonwealth Financial reported its Q3 2025 earnings on October 28, 2025, with an EPS of $0.39, missing the consensus estimate of $0.41. Quarterly revenue of $135.98 million also fell below analysts' expectations of $136.30 million.
<br><br><b>2. Increase in Nonperforming Loans:</b> As of June 30, 2025, nonperforming loans totaled $99.5 million, an increase of $40.1 million from the prior quarter. This was primarily attributed to a dealer floorplan relationship moving to nonaccrual status and $8.4 million of acquired nonperforming loans.
<br><br><b>3. Analyst Downgrade to "Hold" in September 2025:</b> An analyst downgraded FCF to a "hold" rating in September 2025, citing a 2.4% price downside and a 3.0% dividend yield, leading to a total expected return of 0.6%. This followed a 13% rally in the stock since March 2025.
<br><br><b>4. Market Volatility and Macroeconomic Factors:</b> Broader market sentiment and macroeconomic factors, such as "sudden tariff announcements from the US government" in 2025, could have sent ripples through financial markets and impacted banking sector stocks like FCF.
<br><br><b>5. Share Repurchase Program Announcement:</b> On December 1, 2025, First Commonwealth announced a new share repurchase program. While share repurchases can sometimes be seen positively, the market's reaction would depend on the program's specifics and overall market conditions.
Show moreStock Movement Drivers
Fundamental Drivers
The -0.9% change in FCF stock from 9/27/2025 to 12/27/2025 was primarily driven by a -6.6% change in the company's P/E Multiple.| 9272025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 17.25 | 17.10 | -0.87% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 490.57 | 505.34 | 3.01% |
| Net Income Margin (%) | 27.32% | 28.35% | 3.77% |
| P/E Multiple | 13.34 | 12.46 | -6.59% |
| Shares Outstanding (Mil) | 103.63 | 104.38 | -0.73% |
| Cumulative Contribution | -0.87% |
Market Drivers
9/27/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| FCF | -0.9% | |
| Market (SPY) | 4.3% | 24.8% |
| Sector (XLF) | 3.3% | 66.4% |
Fundamental Drivers
The 6.4% change in FCF stock from 6/28/2025 to 12/27/2025 was primarily driven by a 5.3% change in the company's Total Revenues ($ Mil).| 6282025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 16.07 | 17.10 | 6.38% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 479.78 | 505.34 | 5.33% |
| Net Income Margin (%) | 28.70% | 28.35% | -1.23% |
| P/E Multiple | 11.85 | 12.46 | 5.09% |
| Shares Outstanding (Mil) | 101.57 | 104.38 | -2.77% |
| Cumulative Contribution | 6.30% |
Market Drivers
6/28/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| FCF | 6.4% | |
| Market (SPY) | 12.6% | 33.2% |
| Sector (XLF) | 7.4% | 61.7% |
Fundamental Drivers
The 4.0% change in FCF stock from 12/27/2024 to 12/27/2025 was primarily driven by a 12.5% change in the company's P/E Multiple.| 12272024 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 16.45 | 17.10 | 3.97% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 477.66 | 505.34 | 5.79% |
| Net Income Margin (%) | 31.73% | 28.35% | -10.64% |
| P/E Multiple | 11.08 | 12.46 | 12.47% |
| Shares Outstanding (Mil) | 102.07 | 104.38 | -2.27% |
| Cumulative Contribution | 3.92% |
Market Drivers
12/27/2024 to 12/27/2025| Return | Correlation | |
|---|---|---|
| FCF | 4.0% | |
| Market (SPY) | 17.0% | 51.5% |
| Sector (XLF) | 15.3% | 65.2% |
Fundamental Drivers
The 37.7% change in FCF stock from 12/28/2022 to 12/27/2025 was primarily driven by a 36.9% change in the company's P/E Multiple.| 12282022 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 12.42 | 17.10 | 37.67% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 394.92 | 505.34 | 27.96% |
| Net Income Margin (%) | 32.22% | 28.35% | -11.99% |
| P/E Multiple | 9.10 | 12.46 | 36.92% |
| Shares Outstanding (Mil) | 93.19 | 104.38 | -12.01% |
| Cumulative Contribution | 35.68% |
Market Drivers
12/28/2023 to 12/27/2025| Return | Correlation | |
|---|---|---|
| FCF | 16.1% | |
| Market (SPY) | 48.0% | 42.3% |
| Sector (XLF) | 51.3% | 64.7% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| FCF Return | -21% | 52% | -10% | 15% | 13% | 5% | 47% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| FCF Win Rate | 50% | 75% | 42% | 58% | 42% | 50% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| FCF Max Drawdown | -50% | -1% | -18% | -16% | -18% | -16% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | FCF | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -34.7% | -25.4% |
| % Gain to Breakeven | 53.1% | 34.1% |
| Time to Breakeven | 441 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -51.6% | -33.9% |
| % Gain to Breakeven | 106.8% | 51.3% |
| Time to Breakeven | 297 days | 148 days |
| 2018 Correction | ||
| % Loss | -35.5% | -19.8% |
| % Gain to Breakeven | 55.0% | 24.7% |
| Time to Breakeven | 2,040 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -72.4% | -56.8% |
| % Gain to Breakeven | 262.3% | 131.3% |
| Time to Breakeven | 2,924 days | 1,480 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
First Commonwealth Financial's stock fell -34.7% during the 2022 Inflation Shock from a high on 1/14/2022. A -34.7% loss requires a 53.1% gain to breakeven.
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AI Analysis | Feedback
Here are 1-3 brief analogies for First Commonwealth Financial (FCF):
- PNC Financial, but focused on western Pennsylvania and parts of Ohio.
- A regional version of Bank of America, serving Pennsylvania and Ohio.
- U.S. Bancorp for the Pennsylvania/Ohio market.
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```html- Deposit Services: Accepting funds from customers through various accounts like checking, savings, money market, and certificates of deposit.
- Commercial Lending: Providing loans and lines of credit to businesses for real estate, equipment, working capital, and other commercial needs.
- Consumer Lending: Offering loans to individuals, including residential mortgages, home equity loans, auto loans, and other personal loans.
- Wealth Management & Trust Services: Assisting individuals and businesses with investment management, financial planning, and trust administration.
- Treasury Management Services: Delivering tools and services to businesses for efficient cash flow management, payment processing, and fraud protection.
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```htmlFirst Commonwealth Financial (FCF) is a bank holding company that provides a full range of financial services primarily to individuals and businesses in its operating regions. As a financial institution, it does not sell products to other companies in the traditional sense, but rather serves a diverse customer base directly.
The company primarily serves the following categories of customers:
- Individuals/Consumers: This category includes retail customers who utilize a variety of personal banking services such as checking and savings accounts, money market accounts, certificates of deposit, mortgages, home equity loans, personal loans, auto loans, credit cards, and wealth management services.
- Small to Medium-sized Businesses (SMBs): First Commonwealth Financial provides a range of commercial banking services to small and medium-sized businesses. These services include business checking and savings accounts, commercial real estate loans, equipment financing, lines of credit, term loans, treasury management services, and merchant services.
- Large Businesses/Corporations: The bank also serves larger corporate clients, offering more sophisticated commercial lending solutions, complex treasury management services, commercial mortgages, and other specialized financial products tailored to larger enterprises.
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- KPMG LLP
- Visa Inc. (V)
- Mastercard Incorporated (MA)
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T. Michael Price, President and Chief Executive Officer
Mr. Price has served as President and Chief Executive Officer of First Commonwealth Financial Corporation since March 2012. He initially joined the company in November 2007 as President of First Commonwealth Bank. Prior to his tenure at First Commonwealth, Mr. Price gained over 30 years of management experience in the financial services industry, including various leadership roles at National City Bank in Ohio, where he served as a bank teller, branch manager, lender, head of Small Business, and regional CEO.
James R. Reske, Executive Vice President, Chief Financial Officer, and Treasurer
Mr. Reske has been the Chief Financial Officer, Executive Vice President, and Treasurer of First Commonwealth Financial Corporation since 2014. Before joining First Commonwealth, he held the position of Chief Financial Officer, Executive Vice President, and Treasurer at United Community Financial Corporation from 2008 to 2014. His financial services career also includes investment banking roles within the Financial Institutions Groups at Keybanc Capital Markets, Inc. and Morgan Stanley & Company. Additionally, Mr. Reske provided legal counsel on mergers and acquisitions and capital markets activities as an attorney at Wachtell, Lipton, Rosen & Katz and Sullivan & Cromwell.
Jane Grebenc, Executive Vice President, Chief Revenue Officer, and President of First Commonwealth Bank
Ms. Grebenc serves as Executive Vice President and Chief Revenue Officer of First Commonwealth Financial Corporation and as President of First Commonwealth Bank. Her financial services career encompasses executive leadership positions at various institutions, including Park View Federal Savings Bank, Key Bank, and National City Bank before she joined First Commonwealth in 2013.
Jon L. Gorney, Chairman of the Executive Board
Mr. Gorney has served as the Chairman of First Commonwealth Financial Corporation since 2021. Previously, he was the Chairman and Chief Executive Officer of National Processing Company from 2004 to 2006 and an Executive Vice President of National City Corporation from 1992 to 2008.
Michael P. McCuen, Executive Vice President and Chief Lending Officer
Mr. McCuen has been the Executive Vice President and Chief Lending Officer since 2024. Prior to this role, he served as Corporate Banking Executive at First Commonwealth Financial Corporation. His experience also includes serving as Market President and Commercial Sales Leader at Key Bank's Southwest Ohio area.
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The key risks to First Commonwealth Financial's business include margin pressure from competition and regulation, credit quality concerns, and the impact of digital disruption and evolving fintech competition.
- Margin Pressure from Competition and Regulation: First Commonwealth Financial faces significant margin pressure due to intense competition and ongoing regulatory changes. This includes rising regulatory and compliance costs, as well as headwinds from debit interchange fees.
- Credit Quality: The company's credit quality, particularly concerning non-performing loans, presents a risk. Non-performing loans have been observed above typical preferred maximums and have increased year-over-year, requiring close monitoring by investors.
- Digital Disruption and Fintech Competition: First Commonwealth Financial is exposed to ongoing risks from digital disruption and evolving competition from financial technology (fintech) companies. This competitive landscape can challenge growth and exert pressure on the company's margins.
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For First Commonwealth Financial (FCF), the addressable market sizes for their main products and services in their primary operating region are as follows:
- Commercial Banking: The market size for the Commercial Banking industry in Pennsylvania is projected to be $43.2 billion in 2025. This industry has been growing at an average annual rate of 7.1% from 2020 to 2025.
- Mortgage Lending: In Pennsylvania, there were approximately 126,000 mortgage originations for owner-occupied homes in one- to four-unit buildings in 2022. Additionally, there were just over 43,000 repair mortgages in Pennsylvania in 2022. The specific monetary market size for mortgage lending was not identified.
- Wealth Management: Null
- Consumer Banking: Null
- Equipment Finance: Null
- Insurance Products and Services: Null
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First Commonwealth Financial (FCF) is expected to drive future revenue growth over the next 2-3 years through a combination of strategic initiatives and favorable market dynamics. Key drivers include robust loan growth, continued net interest margin expansion, diversification of fee income, strategic acquisitions and market expansion, and investments in digital banking.
- Loan Growth: The company anticipates mid-single-digit loan growth, building on strong performance in recent quarters. In Q1 2025, annualized loan growth was 4.4%, primarily fueled by commercial loans. This trend continued into Q3 2025, with total loans increasing 5.7% annualized, driven by contributions from equipment finance, commercial banking, indirect, and home equity lending across its Ohio and Pennsylvania markets.
- Net Interest Margin (NIM) Expansion: First Commonwealth Financial has demonstrated consistent improvement in its net interest margin. The NIM expanded by 8 basis points to 3.62% in Q1 2025 and further by 9 basis points to 3.92% in Q3 2025. This expansion is attributed to effective pricing discipline, a decrease in the cost of deposits, and the upward repricing of fixed-rate loans. The company projects its NIM to reach the high 370s by year-end 2025, with analysts forecasting further margin expansion to 35.8% by 2028. Potential Federal Reserve rate cuts are also expected to influence interest income.
- Fee Income Diversification: To lessen reliance on traditional lending and mitigate earnings volatility, FCF is focusing on growing non-interest income. Although fee income saw a temporary dip in Q1 2025 due to the Durbin amendment, the company is seeing positive momentum in other fee-generating businesses such as service charges, gain on sale activities, trust services, insurance brokerage, and swap income. The wealth management business, in particular, showed healthy quarter-over-quarter improvement in Q3 2025. Fee income for Q2 2025 is expected to surpass Q1.
- Strategic Acquisitions and Market Expansion: Acquisitions serve as a significant driver for expanding First Commonwealth's balance sheet and market footprint. The successful completion of the CenterBank acquisition in Q2 2025 added $295 million in loans and $278 million in deposits. Analysts suggest that future ambitious growth figures for the company are partly contingent on continued expansion into new business lines and through acquisitions. The company's presence across 30 counties in Pennsylvania and Ohio, coupled with commercial lending operations in key cities, provides a foundation for this expansion.
- Digital Banking Investments: Investments in digital banking initiatives are seen as crucial for improving operational efficiency and supporting future revenue and margin growth. Analysts believe that these investments are key to projected margin recovery and will help offset competitive pressures from larger banks and financial technology firms.
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Share Repurchases
- First Commonwealth Financial's Board of Directors authorized an additional $25.0 million for share repurchases in October 2021, and further increased the authorization by $25 million on April 24, 2023.
- As of March 31, 2024, 2,491,577 common shares were repurchased at an average price of $13.08 per share under these programs.
- The company repurchased 476,979 shares at a weighted average price of $16.60, totaling $7.9 million, during the fourth quarter of 2024, with a remaining repurchase capacity of $6.7 million as of December 31, 2024.
- In the third quarter of 2025, 625,483 shares were repurchased, amounting to $10.5 million, leaving a remaining capacity of $20.7 million under the authorized program as of September 30, 2025.
Share Issuance
- On January 31, 2023, First Commonwealth Financial issued 9,688,478 shares of its common stock as consideration for the acquisition of Centric Financial Corporation.
Inbound Investments
- No information available on large inbound investments made in the company by third-parties (e.g., strategic partners or private equity firms) within the specified timeframe.
Outbound Investments
- First Commonwealth Financial acquired Centric Financial Corporation, including its banking subsidiary Centric Bank, on January 31, 2023, which added seven full-service banking offices and one loan production office.
Capital Expenditures
- Specific dollar values for capital expenditures and their primary focus were not readily available in the provided search results for the last 3-5 years.
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| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.5% | -4.5% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
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Peer Comparisons for First Commonwealth Financial
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 51.32 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.9% |
| Rev Chg 3Y Avg | 3.2% |
| Rev Chg Q | 9.4% |
| QoQ Delta Rev Chg LTM | 2.1% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 23.8% |
| FCF/Rev LTM | 20.1% |
| FCF/Rev 3Y Avg | 21.6% |
Price Behavior
| Market Price | $17.10 | |
| Market Cap ($ Bil) | 1.8 | |
| First Trading Date | 06/10/1992 | |
| Distance from 52W High | -4.3% | |
| 50 Days | 200 Days | |
| DMA Price | $16.28 | $16.05 |
| DMA Trend | indeterminate | down |
| Distance from DMA | 5.0% | 6.5% |
| 3M | 1YR | |
| Volatility | 26.4% | 25.6% |
| Downside Capture | 33.82 | 76.78 |
| Upside Capture | 22.67 | 68.55 |
| Correlation (SPY) | 24.3% | 51.7% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.53 | 0.69 | 0.68 | 0.98 | 0.73 | 0.89 |
| Up Beta | 0.27 | 0.90 | 1.24 | 1.79 | 0.60 | 0.94 |
| Down Beta | 0.36 | 0.98 | 0.87 | 0.96 | 0.77 | 0.79 |
| Up Capture | 120% | 33% | 15% | 61% | 61% | 64% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 10 | 19 | 26 | 62 | 121 | 356 |
| Down Capture | 29% | 67% | 69% | 81% | 96% | 99% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 7 | 20 | 33 | 60 | 120 | 380 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of FCF With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| FCF | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 4.4% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 25.5% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | 0.13 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 65.2% | 51.7% | -8.6% | 8.9% | 55.8% | 15.4% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of FCF With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| FCF | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 13.7% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 29.7% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.47 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 67.4% | 46.3% | -4.3% | 11.5% | 45.5% | 19.2% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of FCF With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| FCF | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 10.1% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 32.7% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.37 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 74.2% | 55.1% | -11.1% | 20.7% | 48.9% | 12.2% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/28/2025 | -5.5% | -4.0% | 0.7% |
| 7/30/2025 | 1.0% | 1.2% | 9.9% |
| 4/29/2025 | 1.6% | 3.3% | 2.5% |
| 1/28/2025 | -3.9% | 0.4% | -2.6% |
| 10/29/2024 | -0.4% | -2.1% | 12.8% |
| 7/23/2024 | 3.0% | 8.6% | -1.8% |
| 4/23/2024 | 2.2% | 0.8% | 5.9% |
| 1/30/2024 | -6.2% | -11.0% | -12.0% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 16 | 16 |
| # Negative | 13 | 8 | 8 |
| Median Positive | 2.2% | 3.4% | 8.2% |
| Median Negative | -3.4% | -3.4% | -5.2% |
| Max Positive | 8.3% | 9.4% | 22.1% |
| Max Negative | -7.1% | -11.0% | -12.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11102025 | 10-Q 9/30/2025 |
| 6302025 | 8112025 | 10-Q 6/30/2025 |
| 3312025 | 5122025 | 10-Q 3/31/2025 |
| 12312024 | 3032025 | 10-K 12/31/2024 |
| 9302024 | 11122024 | 10-Q 9/30/2024 |
| 6302024 | 8092024 | 10-Q 6/30/2024 |
| 3312024 | 5072024 | 10-Q 3/31/2024 |
| 12312023 | 2292024 | 10-K 12/31/2023 |
| 9302023 | 11072023 | 10-Q 9/30/2023 |
| 6302023 | 8092023 | 10-Q 6/30/2023 |
| 3312023 | 5102023 | 10-Q 3/31/2023 |
| 12312022 | 2282023 | 10-K 12/31/2022 |
| 9302022 | 11072022 | 10-Q 9/30/2022 |
| 6302022 | 8092022 | 10-Q 6/30/2022 |
| 3312022 | 5092022 | 10-Q 3/31/2022 |
| 12312021 | 3012022 | 10-K 12/31/2021 |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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