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FCF Stock Chart & Stats
$20.87
$0.00(0.00%)
At close: 4:00 PM EDT
$20.87
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$15.00 - $22.34
Previous Close$20.87
Volume864.54K
Average Volume (3M)618.11K
Market Cap
$2.19B
Enterprise Value$2.26K
Total Cash (Recent Filing)$1.78B
Total Debt (Recent Filing)$263.03M
Price to Earnings (P/E)13.2
Beta0.69
Next Earnings
Oct 27, 2026EPS Estimate
0.46Next Dividend Ex-DateN/A
Dividend Yield2.54%
Share Statistics
EPS (TTM)1.63
Shares Outstanding101,055,920
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$24.25Price Target Upside16.20% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)1.73
Revenue Forecast (FY)$557.00M
Bulls Say, Bears Say
Bulls Say
Improved Leverage And Capital FlexibilityA sharply reduced debt load and very low debt-to-equity materially strengthen balance-sheet flexibility. This durable improvement provides capacity to absorb credit stress, fund loan growth or securities purchases, and supports continued dividends and the $75M repurchase plan without urgent external financing.
Strong Cash GenerationOperating cash flow and free cash flow running near net income indicate high earnings quality and persistent internal funding. Over the medium term this supports dividends, buybacks and provisioning needs, reducing reliance on capital markets during stress and enabling reinvestment in core lending franchises.
Solid Core Margin And Operating PerformanceAn expanded NIM, improving core EPS and better efficiency signal sustainable operating leverage in core banking activities. If loan repricing and disciplined expense control persist, these factors underpin durable net interest income and core profitability even as mix shifts between loans and securities.
Bears Say
Material Revenue Decline And Margin CompressionA significant TTM revenue drop and meaningful operating margin compression reflect weaker top-line traction and less favorable business mix. Over months this can constrain earnings power, limit funding for investments or buybacks, and force management to choose between growth initiatives or margin-restoration actions.
Elevated Charge-offs And Classified AssetsPersistently elevated charge-offs and increasing classified loans create ongoing credit volatility that can raise provisions and depress reported earnings. This structural credit pressure reduces capital headroom and increases uncertainty around midterm earnings and loan-loss budgeting, limiting return predictability.
Deposit Outflows And Strong CD CompetitionSustained deposit runoff and aggressive promotional CD pricing increase funding costs and pressure NIM. Over the next several months this forces repricing, could erode loan-deposit spreads, and may push the bank to rely more on securities or wholesale funding, reducing structural margin resilience.
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 $22.34 in the past 12 months.
What is First Commonwealth Financial Corp.’s market cap?
First Commonwealth Financial Corp.’s market cap is $2.19B.
When is First Commonwealth Financial Corp.’s upcoming earnings report date?
First Commonwealth Financial Corp.’s upcoming earnings report date is Oct 27, 2026 which is in 72 days.
How were First Commonwealth Financial Corp.’s earnings last quarter?
First Commonwealth Financial Corp. released its earnings results on Jul 28, 2026. The company reported $0.44 earnings per share for the quarter, beating the consensus estimate of $0.423 by $0.017.
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 2.54%. 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 0.46.
How many shares outstanding does First Commonwealth Financial Corp. have?
First Commonwealth Financial Corp. has 101,055,920 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 $0.44 in its last earnings report, beating expectations of $0.423. Following the earnings report the stock price went up 1.964%.
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
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$24.25 (16.20% Upside)
$24.25 (16.20% Upside)
Blogger Sentiment
Neutral
FCF Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 19.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.8M 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
2.54%
Trailing 12-Months
Asset Growth
-0.24%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a mix of constructive operating momentum and meaningful near-term headwinds. Positive operational indicators include higher core EPS, an expanding NIM, improved loan yields, stronger fee income, disciplined expense control, continued share repurchases and modest capital improvements. Offsetting these positives are significant commercial loan payoffs that restrained loan growth, end-of-period deposit outflows amid accelerating CD competition, and elevated charge-offs/classified assets that could produce volatility in credit results. Management expects payoffs to subside and loan growth to reaccelerate toward mid-single digits, but deposit competition and charge-off variability introduce uncertainty in margin and credit trends in the near term.View all FCF earnings summariesFCF Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$24.25
▲(16.20% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Ownership Overview
1.37% Insiders
26.58% Mutual Funds
8.20% Other Institutional Investors
32.54% Public Companies and
Individual Investors










