First Commonwealth Financial Corp. (FCF)
NYSE:FCF
Want to see FCF full AI Analyst Report?
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 - $19.14
Previous CloseN/A
Volume178.44K
Average Volume (3M)618.11K
Market Cap
$1.86B
Enterprise Value$1.94B
Total Cash (Recent Filing)$118.13M
Total Debt (Recent Filing)$196.15M
Price to Earnings (P/E)12.0
Beta0.72
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 Cap1.04
Enterprise Value/Revenue2.63
Enterprise Value/Gross Profit3.88
Enterprise Value/Ebitda9.31
Forecast
1Y Price Target
$21.00Price Target Upside11.64% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.73
Revenue Forecast (FY)$557.39M
Bulls Say, Bears Say
Bulls Say
Strengthened Capital & Lower LeverageMaterial de-leveraging and higher regulatory capital materially lower balance-sheet risk, giving the bank durable capacity to absorb credit losses, fund organic loan growth, sustain dividends and repurchases, and pursue opportunistic M&A over the medium term without immediate capital raises.
Healthy Cash Generation And FCF ConversionStrong trailing‑twelve‑month operating and free cash flow that track closely with net income underpin sustainable shareholder returns and internal capital funding. Reliable cash generation supports dividends, buybacks and loan growth while reducing reliance on external financing over a multi‑quarter horizon.
Diversified Fee Income And Retail StrengthBroadening revenue mix—strong mortgage gain‑on‑sale, wealth and SBA fee growth, plus an acquisition that drove local market share—reduces dependence on net interest income. Higher fee income and improved retail satisfaction enhance resilience to rate cycles and support margin recovery over time.
Bears Say
Net Interest Margin PressureSequential NIM compression reflects fewer earning days, lower earning asset levels, payoffs and Fed rate dynamics; persistent margin pressure erodes core earnings power, depresses ROE and could constrain capital returns unless replacement yields and asset growth sustainably outpace funding costs.
Elevated Credit Stress & Specific ReservesHigher provisioning and nearly 1% NPLs (with concentrated problem credits) signal persistent credit strain in parts of the portfolio. Continued reserve build or charge‑offs would reduce earnings and capital flexibility, requiring higher recurring profitability to restore prior return levels over several quarters.
Markedly Lower Return On EquityA sustained drop in ROE to mid-single digits weakens the bank’s ability to deliver attractive shareholder returns even with solid capital. Until margins and credit trends reverse, low ROE constrains scope for meaningful dividend growth or aggressive buybacks without depleting capital cushions.
First Commonwealth News
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 $19.14 in the past 12 months.
What is First Commonwealth Financial Corp.’s market cap?
First Commonwealth Financial Corp.’s market cap is $1.86B.
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 68 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 $0.135 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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$21.00 (11.64% Upside)
$21.00 (11.64% Upside)
Blogger Sentiment
Bullish
FCF Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 38.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.4M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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 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. It also 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. As of December 31, 2021, the company operated 118 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio; corporate banking centers in Pittsburgh, Pennsylvania, as well as Columbus, Canton, and Cleveland, Ohio; and mortgage banking offices in Wexford, Pennsylvania, and Hudson, Westlake, as well as Lewis Center, Ohio. It also operates 136 automated teller machines. First Commonwealth Financial Corporation 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
Average Price Target
$21.00
▲(11.64% Upside)
Technical Analysis
Ownership Overview
1.41% Insiders
26.36% Mutual Funds
8.02% Other Institutional Investors
34.02% Public Companies and
Individual Investors