First Commonwealth Financial Corp. (FCF)
NYSE:FCF
FCF Stock Chart & Stats
$17.88
-$0.07(-0.40%)
At close: 4:00 PM EST
$17.88
-$0.07(-0.40%)
Day’s Range― - ―
52-Week Range$13.54 - $19.08
Previous CloseN/A
Volume178.44K
Average Volume (3M)618.11K
Market Cap
$1.83B
Enterprise Value$2.18B
Total Cash (Recent Filing)$103.28M
Total Debt (Recent Filing)$452.33M
Price to Earnings (P/E)11.4
Beta0.73
Next Earnings
Apr 28, 2026EPS Estimate
0.4Next Dividend Ex-DateN/A
Dividend Yield3.11%
Share Statistics
EPS (TTM)0.43
Shares Outstanding102,143,230
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 Cap1.19
Enterprise Value/Revenue2.98
Enterprise Value/Gross Profit4.41
Enterprise Value/Ebitda10.63
Forecast
1Y Price Target
$19.80Price Target Upside10.74% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)1.77
Revenue Forecast (FY)$559.15M
Bulls Say, Bears Say
Bulls Say
De‑risked Balance SheetEnding 2025 with a low debt-to-equity (~0.26) and steady equity growth materially strengthens solvency and funding optionality. This durable capital profile increases resilience to credit or rate shocks, supports lending capacity, and underpins ongoing capital returns and strategic flexibility.
Stronger Cash GenerationA rebound that produced FCF equal to net income demonstrates renewed cash conversion and operating cash strength. Persistent operating cash supports dividends, buybacks, and reinvestment without reliance on external funding, improving long-term financial flexibility despite prior choppiness.
Diversified Revenue And NII GrowthRobust NII growth alongside resilient fee income indicates diversified, repeatable revenue streams. Fee income cushioning Durbin impacts and strong NII expansion improve pre-provision profitability and reduce single-factor earnings risk, supporting sustainable core earnings and capital returns.
Bears Say
Margin Pressure From ReinvestmentReinvesting loan sale proceeds into materially lower-yielding securities and the near-term NIM dip are structural margin headwinds. Over multiple quarters this reduces net interest income sensitivity, limits NIM upside absent asset repricing, and can depress earnings power while securities yield outlasts the sale timing.
Durbin Regulatory DragThe Durbin-driven reduction in interchange income is a persistent regulatory cost once the asset threshold is crossed. This structurally reduces noninterest income and places ongoing pressure on fee revenue, forcing either cost offsets or greater reliance on core spread income for long-term profitability.
Key Leadership TransitionRetirement of a senior executive leading integration raises execution risk on operational initiatives and strategic projects. Transition in a key operational role can slow integration, process improvements, or capital deployment decisions, creating near- to medium-term operational execution uncertainty.
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 $13.54 and its highest was $19.08 in the past 12 months.
What is First Commonwealth Financial Corp.’s market cap?
First Commonwealth Financial Corp.’s market cap is $1.83B.
When is First Commonwealth Financial Corp.’s upcoming earnings report date?
First Commonwealth Financial Corp.’s upcoming earnings report date is Apr 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 Jan 27, 2026. The company reported $0.43 earnings per share for the quarter, beating the consensus estimate of $0.417 by $0.013.
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 0.4.
How many shares outstanding does First Commonwealth Financial Corp. have?
First Commonwealth Financial Corp. has 102,143,230 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 $0.43 in its last earnings report, beating expectations of $0.417. Following the earnings report the stock price went down -0.563%.
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
Strong Buy
Average Price Target:
$19.80 (10.74% Upside)
$19.80 (10.74% Upside)
Blogger Sentiment
Bullish
FCF Sentiment 100%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Decreased
By 38.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $581.5K 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
10.05%
Trailing 12-Months
Asset Growth
6.56%
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented multiple clear strengths — beats on earnings, meaningful NIM expansion, strong net interest income growth (+$47.2M YoY), healthy loan and deposit growth, active buybacks, and resilient fee income despite Durbin headwinds. Key near-term risks include an expected small NIM dip in Q1 2026 (5–10 bps), modest increases in NPLs and a nearly‑resolved dealer floor plan charge, some expense pressure from hiring and one‑offs, and potential reinvestment of held-for-sale loan proceeds into lower-yielding securities. Overall, the positives around core profitability, capital generation, and diversified revenue sources outweigh the limited and mostly manageable headwinds.View all FCF earnings summariesFCF Stock 12 Month Forecast
Average Price Target
$19.80
▲(10.74% Upside)
Technical Analysis
Ownership Overview
1.49% Insiders
26.32% Mutual Funds
8.12% Other Institutional Investors
31.12% Public Companies and
Individual Investors