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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 - $20.57
Previous CloseN/A
Volume178.44K
Average Volume (3M)618.11K
Market Cap
$2.07B
Enterprise Value$2.05B
Total Cash (Recent Filing)$118.13M
Total Debt (Recent Filing)$196.15M
Price to Earnings (P/E)13.4
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 Cap0.99
Enterprise Value/Revenue2.77
Enterprise Value/Gross Profit4.09
Enterprise Value/Ebitda9.72
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
Improved Capital And LeverageA materially cleaner leverage profile (debt-to-equity down to ~0.10 TTM) and growing equity materially reduce balance-sheet risk, expand loss-absorption capacity and give management flexibility to support lending, dividends and buybacks through credit cycles.
Healthy Cash GenerationStrong recent operating and free cash flow that runs close to net income supports sustainable shareholder returns and internal investment. Persistent cash generation strengthens liquidity, funds capital needs and cushions earnings volatility over the medium term.
Deposit Growth And Acquisition-driven Fee/loan GrowthOrganic deposit growth plus an accretive regional acquisition expanded core funding and local market share while boosting mortgage, SBA and fee income. These structural revenue drivers diversify income and support scale advantages in regional banking markets.
Bears Say
Margin Compression / NIM PressureSequential NIM declines signal pressure on core earning power. If replacement yields, swap expirations or loan mix shifts cannot sustainably widen spreads, persistent margin compression will limit net interest income growth and constrain medium‑term ROE recovery.
Elevated Nonperforming Loans And Specific ReservesHigher NPLs and targeted reserves against several larger credits indicate concentrated problem relationships. This elevates credit loss risk, can raise future provisions, and may reduce capital and earnings flexibility until problem credits resolve or are charged off.
Expense Pressure And Efficiency RatioRising personnel and operating costs pushed the efficiency ratio above mid-50s. Persistent expense growth without offsetting revenue expansion weakens operating leverage, compresses margins and limits the pace of durable profitability improvement.
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 $20.57 in the past 12 months.
What is First Commonwealth Financial Corp.’s market cap?
First Commonwealth Financial Corp.’s market cap is $2.07B.
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 26 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
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Analyst Consensus
Moderate Buy
Average Price Target:
$21.00 (11.64% Upside)
$21.00 (11.64% 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
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
$21.00
▲(11.64% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Ownership Overview
1.40% Insiders
26.42% Mutual Funds
8.02% Other Institutional Investors
33.29% Public Companies and
Individual Investors












