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FCF Stock Chart & Stats
$18.81
-$0.07(-0.40%)
At close: 4:00 PM EST
$18.81
-$0.07(-0.40%)
Day’s Range― - ―
52-Week Range$15.00 - $20.87
Previous CloseN/A
Volume178.44K
Average Volume (3M)618.11K
Market Cap
$2.08B
Enterprise Value$2.05B
Total Cash (Recent Filing)$118.13M
Total Debt (Recent Filing)$196.15M
Price to Earnings (P/E)13.5
Beta0.69
Next Earnings
Jul 28, 2026EPS Estimate
0.43Next Dividend Ex-DateN/A
Dividend Yield3.11%
Share Statistics
EPS (TTM)1.51
Shares Outstanding101,684,456
10 Day Avg. Volume632,950
30 Day Avg. Volume618,105
Financial Highlights & Ratios
PEG Ratio1.99
Price to Book (P/B)1.12
Price to Sales (P/S)2.38
P/FCF Ratio10.12
Enterprise Value/Market Cap0.98
Enterprise Value/Revenue2.77
Enterprise Value/Gross Profit4.09
Enterprise Value/Ebitda9.72
Forecast
1Y Price Target
$21.67Price Target Upside15.19% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.73
Revenue Forecast (FY)$557.39M
Bulls Say, Bears Say
Bulls Say
Improved Capital & Lower LeverageMeaningful deleveraging (debt/equity ~0.60→~0.10 TTM) and higher tangible book and CET1 provide structural capital flexibility. Stronger capital cushions lower balance-sheet risk, support dividends and buybacks, and increase capacity to absorb credit shocks over the medium term.
Robust Cash GenerationTTM operating and free cash flow near net income demonstrates high earnings quality and funds internal capital needs. This durable cash generation underpins the company’s ability to sustain dividends and modest repurchases while funding growth, even if cash conversion has been variable historically.
Diversified Fee Income & Accretive AcquisitionThe acquisition and stronger wealth, mortgage and SBA fee income broaden revenue sources beyond net interest income. Higher fee diversification and improved customer satisfaction create more stable noninterest revenue and geographic scale, reducing reliance on interest margin cycles over the medium term.
Bears Say
Margin Compression & Weak ROEDespite revenue growth, significant margin erosion and a sharp drop in ROE undermine long-term earnings power. Lower margins require higher volumes or cost cuts to restore returns; absent durable NIM improvement, ROE may remain depressed, limiting capital available for growth or shareholder returns.
Elevated NPLs & Concentrated Problem CreditsHigher NPLs and specific reserves tied to a few larger credits signal concentrated credit risk that can produce episodic provisions. While SBA guarantees mitigate some loss severity, elevated problem loans can pressure earnings, capital generation, and credit availability until resolutions complete.
NII/NIM Pressure From Asset RunoffSequential NII and NIM declines driven by loan payoffs, portfolio sales and fewer earning days reduce structural earning capacity. Even with modeled NIM tailwinds, sustained asset runoff or slower re-deployment into higher-yielding assets would keep pressure on recurring net interest income and medium-term profitability.
FCF FAQ
What was First Commonwealth Financial Corp.’s price range in the past 12 months?
First Commonwealth Financial Corp. lowest stock price was $15.00 and its highest was $20.87 in the past 12 months.
What is First Commonwealth Financial Corp.’s market cap?
First Commonwealth Financial Corp.’s market cap is $2.08B.
When is First Commonwealth Financial Corp.’s upcoming earnings report date?
First Commonwealth Financial Corp.’s upcoming earnings report date is Jul 28, 2026 which is in 23 days.
How were First Commonwealth Financial Corp.’s earnings last quarter?
First Commonwealth Financial Corp. released its earnings results on Apr 28, 2026. The company reported $0.37 earnings per share for the quarter, missing the consensus estimate of $0.4 by -$0.03.
Is First Commonwealth Financial Corp. overvalued?
According to Wall Street analysts First Commonwealth Financial Corp.’s price is currently Undervalued.
Does First Commonwealth Financial Corp. pay dividends?
First Commonwealth Financial Corp. pays a Quarterly dividend of $0.14 which represents an annual dividend yield of 3.11%. See more information on First Commonwealth Financial Corp. dividends here
What is First Commonwealth Financial Corp.’s EPS estimate?
First Commonwealth Financial Corp.’s EPS estimate is 0.43.
How many shares outstanding does First Commonwealth Financial Corp. have?
First Commonwealth Financial Corp. has 101,684,456 shares outstanding.
What happened to First Commonwealth Financial Corp.’s price movement after its last earnings report?
First Commonwealth Financial Corp. reported an EPS of $0.37 in its last earnings report, missing expectations of $0.4. Following the earnings report the stock price went up 1.287%.
Which hedge fund is a major shareholder of First Commonwealth Financial Corp.?
Currently, no hedge funds are holding shares in FCF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Commonwealth Stock Smart Score
Neutral
1
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5
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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$21.67 (15.19% Upside)
$21.67 (15.19% Upside)
Blogger Sentiment
Neutral
FCF Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 19.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.6M over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
1.80%
12-Months-Change
Fundamentals
Return on Equity
10.19%
Trailing 12-Months
Asset Growth
4.04%
Trailing 12-Months
Company Description
First Commonwealth Financial Corp.
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company’s consumer services include internet, mobile, and telephone banking; an automated teller machine network; 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, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, 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, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.
FCF Company Deck
FCF Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a balanced picture: strong deposit growth, improved capital ratios, a successful acquisition, robust mortgage and fee income, and positive NIM drivers (replacement yields and swap expirations) are offset by a Q1 EPS miss, lower net interest income and margin compression, elevated provisioning and an increase in NPLs and expenses. Management signaled confidence in margin recovery, continued buybacks/dividends, and expense discipline while noting isolated credit issues.View all FCF earnings summariesFCF Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$21.67
▲(15.19% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Ownership Overview
1.40% Insiders
26.42% Mutual Funds
<0.01% Other Institutional Investors
41.30% Public Companies and
Individual Investors












