Discounted Cash Flow
First Commonwealth Financial Corp. /Pa/
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | — | $59.6m | $82.2m | — | $0.67 |
| 2017 | — | $55.2m (-7.4%) | $77.9m (-5.2%) | — | $0.58 (-13.4%) |
| 2018 | — | $107.5m (94.9%) | $125.7m (61.3%) | — | $1.09 (87.9%) |
| 2019 | — | $105.3m (-2.0%) | $90.3m (-28.2%) | — | $1.07 (-1.8%) |
| 2020 | — | $73.4m (-30.3%) | $98.1m (8.7%) | — | $0.75 (-29.9%) |
| 2021 | — | $138.3m (88.2%) | $154.4m (57.4%) | — | $1.45 (93.3%) |
| 2022 | — | $128.2m (-7.3%) | $140.2m (-9.2%) | — | $1.37 (-5.5%) |
| 2023 | — | $157.1m (22.5%) | $128.7m (-8.2%) | — | $1.55 (13.1%) |
| 2024 | — | $142.6m (-9.2%) | $113.9m (-11.5%) | — | $1.40 (-9.7%) |
| 2025 | — | $152.3m (6.8%) | $171.5m (50.5%) | — | $1.48 (5.7%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.