First Commonwealth (FCF) AI Stock Analysis

• Market Cap: $1.74B
• Dividend Yield: 3.18%
• Average Volume (3M): 675.42K
• Price to Earnings (P/E): 12.8
• Beta (1Y): 0.87
• Revenue Growth: 4.57%
• EPS Growth: -15.68%
• Country: US
• Employees: 1,538
• Sector: Financial
• Sector Strength: 65
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 104,538,800
• 10 Day Avg. Volume: 584,363
• 30 Day Avg. Volume: 675,424
• PEG Ratio: -1.25
• Price to Book (P/B): 1.23
• Price to Sales (P/S): 2.46
• P/FCF Ratio: 15.14
• Enterprise Value/Market Cap: 1.20
• Enterprise Value/Revenue: 3.00
• Enterprise Value/Gross Profit: 4.67
• Enterprise Value/Ebitda: 11.71
• 1Y Price Target: $19.50
• Price Target Upside: 16.98% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 74 Outperform
• Price Target: $18.50 ▲(10.98% Upside)

First Commonwealth Financial Corporation's solid financial performance and positive earnings call sentiment are the primary drivers of the score. The stock's fair valuation and neutral technical indicators provide additional support, though concerns about nonperforming loans slightly weigh on the overall outlook.

First Commonwealth Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

First Commonwealth generates revenue primarily through interest income and non-interest income. Interest income is derived from the loans it extends to customers, including personal loans, mortgages, and commercial loans, as well as interest earned on securities in its investment portfolio. Non-interest income comes from various sources, including fees for services such as account maintenance, ATM transactions, wealth management, and insurance services. Additionally, FCF benefits from partnerships with other financial institutions and service providers, which can enhance its product offerings and customer reach. The company also focuses on cross-selling its products to existing customers, thereby increasing customer retention and overall profitability.

First Commonwealth Financial Statement Overview

Summary

First Commonwealth demonstrates solid financial health with strong profitability, effective balance sheet management, and robust cash flow generation. While the company exhibits strengths in revenue growth and leverage management, there is room for improvement in operational efficiency and return on equity.

Income Statement

First Commonwealth has demonstrated strong revenue growth and profitability. The TTM data shows a solid gross profit margin of 98.5% and a net profit margin of 31.3%. Revenue growth has been steady, indicating robust business operations. However, EBIT and EBITDA margins suggest room for improvement in operational efficiency.

Balance Sheet

The balance sheet reflects a strong equity base with an equity ratio of 100%. The debt-to-equity ratio is low at 0.65, indicating prudent financial leverage management. However, the return on equity is moderate at 11.7%, suggesting room to improve shareholder returns.

Cash Flow

Operating cash flow remains healthy, with a strong operating cash flow to net income ratio. Free cash flow is positive, supporting potential reinvestment and debt servicing. However, fluctuations in investing and financing cash flows suggest potential volatility in cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	699.80M	699.69M	626.61M	428.66M	400.60M	395.69M
Gross Profit	449.11M	448.95M	467.47M	389.82M	386.67M	306.03M
EBITDA	179.10M	184.01M	201.66M	170.74M	184.26M	101.86M
Net Income	137.72M	142.57M	157.06M	128.18M	138.26M	73.45M
Balance Sheet
Total Assets	11.79B	11.58B	11.46B	9.81B	9.55B	9.07B
Cash, Cash Equivalents and Short-Term Investments	1.23B	1.28B	1.17B	916.90M	1.44B	1.19B
Total Debt	340.19M	343.12M	784.59M	553.92M	320.58M	350.63M
Total Liabilities	10.34B	10.18B	10.15B	8.75B	8.44B	8.00B
Stockholders Equity	1.45B	1.41B	1.31B	1.05B	1.11B	1.07B
Cash Flow
Free Cash Flow	130.18M	113.92M	128.72M	140.21M	154.41M	98.08M
Operating Cash Flow	145.70M	129.46M	150.76M	151.41M	165.05M	105.70M
Investing Cash Flow	-271.04M	-121.72M	-574.27M	-588.79M	-565.30M	-483.14M
Financing Cash Flow	-43.67M	-21.32M	416.26M	196.25M	439.05M	612.16M

First Commonwealth Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.67
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCF, the sentiment is Positive. The current price of 16.67 is above the 20-day moving average (MA) of 16.43, above the 50-day MA of 16.27, and above the 200-day MA of 16.19, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 54.41 is Neutral, neither overbought nor oversold. The STOCH value of 82.80 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FCF.

First Commonwealth Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CUBI	79 Outperform	$2.11B	16.29	8.17%	―	-7.45%	-45.67%
NWBI	75 Outperform	$1.78B	10.87	8.96%	6.66%	14.86%	40.09%
FCF	74 Outperform	$1.74B	12.75	9.31%	3.18%	4.57%	-15.68%
FBNC	74 Outperform	$2.19B	22.52	6.53%	1.70%	-2.04%	-14.82%
LKFN	72 Outperform	$1.61B	17.14	13.86%	3.18%	-1.41%	-6.42%
Sector *	67 Neutral	¥836.32B	13.01	9.24%	3.02%	7.93%	10.80%
CLBK	53 Neutral	$1.53B	241.93	0.57%	―	-0.90%	-67.89%

First Commonwealth Corporate Events

First Commonwealth Promotes Michael McCuen to Chief Banking Officer

On August 1, 2025, Jane Grebenc, Executive Vice President and Chief Revenue Officer of First Commonwealth Financial Corporation, announced her intention to retire in the first quarter of 2026. Subsequently, on August 4, 2025, Michael P. McCuen was promoted to Chief Banking Officer, indicating a strategic leadership transition within the company.

The most recent analyst rating on (FCF) stock is a Hold with a $16.00 price target. To see the full list of analyst forecasts on First Commonwealth stock, see the FCF Stock Forecast page.

First Commonwealth Reports Q2 2025 Financial Results

On July 29, 2025, First Commonwealth Financial Corporation announced its financial results for the second quarter of 2025, reporting a net income of $33.4 million, which is a slight increase from the previous quarter but a decrease from the same period in 2024. The company declared a quarterly cash dividend of $0.135 per share, reflecting its continued commitment to returning value to shareholders. The financial results showed an increase in core net income and net interest income compared to both the previous quarter and the second quarter of 2024, highlighting the company’s strong operational performance despite challenges such as reduced card-related interchange income due to regulatory changes.

The most recent analyst rating on (FCF) stock is a Hold with a $18.00 price target. To see the full list of analyst forecasts on First Commonwealth stock, see the FCF Stock Forecast page.