First Commonwealth Financial Corp. (FCF)
NYSE:FCF
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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 - $19.37
Previous CloseN/A
Volume178.44K
Average Volume (3M)618.11K
Market Cap
$1.95B
Enterprise Value$2.00B
Total Cash (Recent Filing)$118.13M
Total Debt (Recent Filing)$196.15M
Price to Earnings (P/E)12.5
Beta0.71
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 Cap1.03
Enterprise Value/Revenue2.71
Enterprise Value/Gross Profit4.00
Enterprise Value/Ebitda9.60
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 $19.37 in the past 12 months.
What is First Commonwealth Financial Corp.’s market cap?
First Commonwealth Financial Corp.’s market cap is $1.95B.
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 48 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
Underperform
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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 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 (FCF) functions as a financial holding company, delivering an extensive array of consumer and commercial banking solutions throughout the United States. For individual clients, FCF offers a diverse suite of financial products. These include various checking accounts (such as personal and interest-earning options), savings, health savings, and insured money market accounts, alongside debit cards. Its lending portfolio encompasses mortgage loans, secured and unsecured installment loans, and construction and real estate loans. Additional personal banking conveniences include safe deposit facilities, credit cards, credit lines with overdraft checking protection, Individual Retirement Accounts (IRAs), investment certificates, and both fixed and variable rate certificates of deposit. Customers also benefit from modern access channels like automated teller machines (ATMs), internet, mobile, and telephone banking services. Business clients can access comprehensive commercial banking services. These comprise commercial lending, specialized business checking accounts, and efficient cash management solutions, which include online account management, payroll direct deposits, repurchase agreements, and ACH origination services. Beyond traditional banking, FCF provides a range of wealth management solutions, such as trust and asset management services. It also facilitates access to various insurance products (auto, home, business, and term life) and investment options like annuities, mutual funds, and stock and bond brokerage services, typically facilitated through affiliated broker-dealers and insurance brokers. As of December 31, 2021, FCF maintained a substantial physical footprint. This included 118 community banking branches spread across western and central Pennsylvania, alongside northeastern, central, and southwestern Ohio. The company also operated dedicated corporate banking centers in Pittsburgh, Pennsylvania, and in Columbus, Canton, and Cleveland, Ohio, complemented by mortgage banking offices in Wexford, Pennsylvania, and Hudson, Westlake, and Lewis Center, Ohio. Additionally, the corporation managed 136 automated teller machines. Established in 1934, First Commonwealth Financial Corporation has its headquarters 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
1.40% Insiders
26.44% Mutual Funds
8.02% Other Institutional Investors
33.96% Public Companies and
Individual Investors