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First Commonwealth Financial Corporation

FCF Financial Banks Regional

First Commonwealth Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $729.5 million, up 4.26% from fiscal 2024.

Revenue
+0.78%
EPS
+37.5%
Free cash flow
−98.5%
Total debt
−53.6%

Quarter to September 2026, against a year earlier

21.07 0.44 −2.05%
Market cap
$2.0B
P/E
12.8×
Fwd P/E
12.0×
Dividend yield
3.27%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.04
Sold, $m 3.32
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — 1 — — — — — —
Sell 1 1 3 1 2 2 2 1 3 1 1 —
Insider Ownership 1.94%

Capital & Financial Ratios $m

Size
Market Cap 2,040.00
Revenue ttm 745.80
Net income ttm 168.34
Free cash flow ttm 178.40
Net debt Q (6.31)
Valuation
P/E 12.85
Forward P/E 12.00
Price / sales 2.86
Forward P/S Powerpack
Price / FCF 11.95
Price / book 1.36
Financial health
Current ratio Q 0.92
Debt / equity Q 0.08
Interest coverage Q —
Growth
Revenue growth Q +0.78% (above 0%: growing)
Operating income growth Q −2.36% (below 0%: shrinking)
EPS, this year +19.83% (at or above 15%: strong)
EPS, next year A +14.52%
Revenue, next year A −23.33% (below 0%: weak)
EPS, past 5 yrs +14.41%
EPS, next 5 yrs A +13.80%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 60.18%
10-year low 10-year high
P/S against its own 10 years 40.70%
10-year low 10-year high
P/B against its own 10 years 73.96%
10-year low 10-year high

Dividends raised every year since 2018

Yield
3.27%
Annual rate
0.69
Payout ratio
40.9%
Growth, 2018–26
+5.93%/yr
  1. 0.35 ’18
  2. 0.40 ’19 +14
  3. 0.44 ’20 +10
  4. 0.46 ’21 +3
  5. 0.48 ’22 +4
  6. 0.50 ’23 +4
  7. 0.52 ’24 +4
  8. 0.54 ’25 +4
  9. 0.56 ’26 +4
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 147 133 180 128
Receivables — — — —
Inventory — — — —
Other — — — —
9,028 9,050 9,834 9,570
2023 2024 2025 Q'26
Payables 9,192 9,678 10,251 10,274
ST’ Debt — — — —
Other — — — —
9,790 9,758 10,399 10,442

Compound Annual Growth %

10y 5y 3y
Sales 10.64% 13.02% 19.39%
Cash Flow 9.93% 12.15% 7.39%
Earnings 11.75% 15.70% 5.92%
Book Value 8.01% 7.78% 13.89%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.46 Actual 0.45

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.41 0.43 Beat by 0.02
Q1 FY26 0.40 0.37 Miss by 0.03
Q2 FY26 0.42 0.44 Beat by 0.02
Q3 FY26 0.46 0.45 Miss by 0.01
Q4 FY26 0.49 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.37 0.44 0.45 — —
’25 0.32 0.32 0.39 0.43 1.47
’24 0.37 0.36 0.31 0.35 1.39
’23 0.30 0.42 0.38 0.44 1.54
’22 0.29 0.33 0.36 0.38 1.37
’21 0.41 0.31 0.36 0.37 1.44
’20 0.05 0.24 0.20 0.27 0.75
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 182 186 189 — —
’25 170 184 188 189 730
’24 169 176 179 175 700
’23 138 156 165 169 627
’22 95 101 112 121 429
’21 101 98 101 100 401
’20 99 97 100 100 396
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 87 4 — — —
’25 56 30 49 52 188
’24 40 23 54 14 129
’23 39 48 20 44 151
’22 31 29 48 43 151
’21 51 22 46 46 165
’20 33 18 20 35 106
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 82 0 — — —
’25 51 25 46 50 171
’24 35 19 50 10 114
’23 29 44 15 41 129
’22 27 26 48 40 140
’21 49 21 44 41 154
’20 29 16 18 34 98
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 282 331 381 411 396 401 429 627 700 730 746 +11.1% 559 592 630 (4.8%)
Gross margin, % 93.42 93.42 89.49 86.51 91.68 96.18 95.86 76.97 68.33 71.68 74.28 (21.7) pt
EBT 85 104 133 131 90 173 160 198 178 191 211 +9.4%
EBT margin, % 30.20 31.35 34.86 31.86 22.80 43.14 37.37 31.53 25.47 26.23 28.24 (4.0) pt
Net income 60 55 107 105 73 138 128 157 143 152 168 +11.0%
Per share, $
Per share, $ Revenue 3.18 3.47 3.85 4.18 4.06 4.19 4.58 6.17 6.87 7.07 0.00 +9.3%
Earnings 0.67 0.58 1.08 1.07 0.75 1.44 1.37 1.54 1.40 1.47 1.64 +9.1%
Cash flow 1.00 0.93 1.37 1.09 1.08 1.73 1.62 1.48 1.27 1.82 1.89 +6.8%
Capex (0.08) (0.12) (0.10) (0.18) (0.08) (0.11) (0.12) (0.22) (0.15) (0.16) (0.13) +7.1%
Free cash flow 0.92 0.81 1.27 0.92 1.01 1.62 1.50 1.27 1.12 1.66 1.76 +6.8%
Book value 8.44 9.33 9.85 10.74 10.96 11.61 11.24 12.94 13.79 15.06 0.00 +6.6%
Shares, m 89 95 99 98 98 96 94 102 102 103 103 +1.7%
Valuation, ×
Valuation, × P/E 21.18 24.55 11.19 13.56 14.39 11.10 10.34 10.10 12.17 11.47 12.85 14.0
P/S 4.47 4.10 3.14 3.47 2.70 3.84 3.07 2.52 2.46 2.39 2.86 3.2
P/B 1.68 1.53 1.23 1.35 1.00 1.39 1.25 1.20 1.23 1.12 1.36 1.3
EV/Sales 4.34 4.04 3.37 3.75 2.38 3.31 3.13 2.59 2.65 2.50 — 3.2
EV/FCF 14.99 17.42 10.21 17.05 9.62 8.58 9.58 12.58 16.27 10.63 — 12.7
Cash, $m
Cash, $m Operating cash flow 89 88 135 108 106 165 151 151 129 188 192 +8.6%
Capex (7) (12) (10) (17) (8) (11) (11) (22) (16) (16) (13) +8.9%
Free cash flow 82 77 126 90 98 154 140 129 114 171 178 +8.6%
Balance, $m
Balance, $m Working capital (863) (807) (783) (604) (506) (960) (673) (762) (708) (565) (872) (4.6%)
Net debt (35) (19) 86 112 (123) (213) 27 40 130 81 (6) n/m
Shareholders’ equity 750 888 975 1,056 1,069 1,109 1,052 1,314 1,405 1,554 1,484 +8.4%
Returns, %
Returns, % ROA 0.90 0.79 1.42 1.31 0.85 1.49 1.32 1.48 1.24 1.27 1.40 +0.4 pt
ROIC 7.73 8.20 7.91 7.19 5.96 12.05 9.38 9.54 7.27 7.48 8.93 (0.2) pt
ROE 8.11 6.74 11.54 10.37 6.91 12.70 11.86 13.27 10.49 10.29 0.00 +2.2 pt
People
People Employees 1,376 1,476 1,512 1,571 1,393 1,471 1,477 1,504 1,545 1,577 — +1.5%
Revenue/emp, $m 0.21 0.22 0.25 0.26 0.28 0.27 0.29 0.42 0.45 0.46 — +9.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

First Commonwealth Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
OFG OFG Bancorp $2.1B 9.6× 9.4× −1.39% (below 0%: shrinking) +14.53% (above 0%: growing) +41.84% (above 0%: growing) 81.53% 0.00% Compare
SRCE 1st Source Corporation $2.1B 12.0× 11.6× +3.41% (above 0%: growing) +18.71% (above 0%: growing) +38.99% (above 0%: growing) 76.13% 0.00% Compare
FCF First Commonwealth Financial Corporation $2.0B 12.8× 12.0× +0.78% (above 0%: growing) +37.50% (above 0%: growing) −98.48% (below 0%: shrinking) 75.67% 0.00%
CHCO City Holding Company $2.0B 15.5× 15.2× +1.16% (above 0%: growing) +1.24% (above 0%: growing) −0.06% (below 0%: shrinking) 80.74% 0.00% Compare
TBBK The Bancorp, Inc. $2.0B 8.4× 7.8× −18.88% (below 0%: shrinking) +28.59% (above 0%: growing) −31.16% (below 0%: shrinking) 100.00% 0.00% Compare
GABC German American Bancorp, Inc. $1.9B 13.3× 12.4× +3.05% (above 0%: growing) +21.43% (above 0%: growing) +110.42% (above 0%: growing) 78.75% 0.00% Compare
HAPN Happen Inc. $1.9B 8.9× 8.2× +2.52% (above 0%: growing) +31.59% (above 0%: growing) +10.37% (above 0%: growing) 73.43% 0.00% Compare
DCOM Dime Community Bancshares, Inc. $1.9B 13.8× 12.4× +5.20% (above 0%: growing) +52.54% (above 0%: growing) +106.33% (above 0%: growing) 68.53% 0.00% Compare
OCFC OceanFirst Financial Corp. $1.8B 21.6× 16.6× +32.21% (above 0%: growing) n/m +27.08% (above 0%: growing) 59.64% 0.00% Compare
Median of peers $1.9B 12.7× 12.0× +2.79% +21.43% +33.04% 77.44% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 19 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.00m 2.14m 182.49
2024 1.66m 1.80m 177.17
2023 1.39m 1.69m 156.31
2022 1.35m 1.41m 136.27
2021 1.25m 1.60m 151.93

Ownership

Directors and executive officers, together 1.90%
BlackRock, Inc. 14.60%
The Vanguard Group, Inc. 11.50%
Dimensional Fund Advisors LP Building One 6.40%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

First Commonwealth Financial Corporation (FCF) Latest News

28 Oct

Impact 4 · · MarketBeat transcript
Impact 4 · · Moby transcript
Impact 3 · · The Motley Fool transcript
Impact 3 · · Associated Press

27 Oct

Impact 4 · · GlobeNewswire earnings
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · The Motley Fool

26 Oct

Impact 3 · · StockStory

8 Oct

Impact 3 · · Simply Wall St.

18 Aug

Impact 3 ·

4 Aug

Impact 3 ·

31 Jul

Impact 3 · · Zacks

29 Jul

Impact 4 · transcript
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript

28 Jul

Impact 3 ·
Impact 3 ·
Impact 3 ·

30 Apr

Impact 4 · · GuruFocus.com
Impact 3 · · MarketBeat

29 Apr

Impact 3 · · Moby

28 Apr

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
Impact 3 · · StockStory

27 Apr

Impact 4 · · Simply Wall St.

11 Mar

Impact 3 · · StockStory

12 Feb

Impact 3 · · StockStory

FCF metrics, ten years each

stockrow.com/FCF · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com