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First Commonwealth Financial Corporation FCF

Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

We limit data available in the Overview Report for users who do not have Powerpack

Get access to target analyst prices, predictions, compound annual growth rates and more than four years of historical data.

Insider Decisions

Total buys
0.10
Total sells
3.34
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 2 1 1
Sell 1 1 1 1 3 1 2 2 2 1 3 1
Insider Ownership
1.95%

Capital & Financial Ratios

Market Cap
2,140.00
Revenue
744.33
Net Income
168.34
Free Cash Flow
178.40
Net Debt
(54.55)
Current Ratio
0.92
Debt/Equity
0.08
P/E ratio
12.87
P/S ratio
2.87
P/B ratio
1.36
Past 5Y EPS Growth
5.48%
This Y EPS Growth
17.91%
Next Y EPS Growth
13.46%
Next 5Y EPS Growth
11.46%
in millions of $

Dividends

Payout Ratio
0.33
Annual Dividend Rate
0.50
Annual Dividend Yield
4.04%
total individual payouts
2027 ‡‡‡‡‡
2026 0.56
2025 0.54
2024 0.52
2023 0.50
2022 0.48
2021 0.46
2020 0.44
2019 0.40
2018 0.35
2017 0.32
2016 0.28
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 146.99 133.41 180.36 179.64
Receivables
Inventory
Other
9,027.86 9,050.25 9,834.09 9,564.20
2023 2024 2025 Q'26
Payables 9,192.31 9,678.02 10,250.97 10,260.06
ST’ Debt
Other
9,790.14 9,758.16 10,398.93 10,398.01
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 181.81 186.32
’25 169.63 183.68 187.57 188.64
729.51
’24 169.45 175.89 179.02 175.33
699.69
’23 137.55 155.79 164.71 168.55
626.61
’22 95.22 101.24 111.61 120.59
428.66
’21 101.42 98.14 101.44 99.60
400.60
’20 98.60 96.79 100.36 99.93
395.69
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 86.83 3.64
’25 55.89 30.41 49.50 51.75
187.54
’24 39.65 22.69 53.61 13.52
129.46
’23 38.60 47.74 20.40 44.02
150.76
’22 31.20 29.17 48.31 42.73
151.41
’21 51.23 22.09 46.10 45.62
165.05
’20 33.12 18.08 19.63 34.88
105.70
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 82.46 0.38
’25 50.86 25.03 45.97 49.59
171.45
’24 34.60 19.35 50.23 9.74
113.92
’23 29.17 43.96 14.60 41.01
128.73
’22 26.78 26.23 47.63 39.56
140.21
’21 48.91 20.51 43.95 41.04
154.41
’20 29.46 16.37 18.43 33.83
98.08
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.37 0.44
’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

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

1.8
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 12.76 11.16 12.41 13.54
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 17.63 16.53 19.96 18.28
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,477 1,504 1,545 1,577
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.29 0.42 0.45 0.46
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 428.66 626.61 699.69 729.51 ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 95.86% 76.97% 68.33% 71.68%
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 160.19 197.56 178.21 191.36
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 37.37% 31.53% 25.47% 26.23% ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 128.18 157.06 142.57 152.30 ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.58 5.43 6.43 6.65
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.58 6.17 6.87 7.07 ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 1.37 1.54 1.40 1.47 ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.62 1.48 1.27 1.82
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.12) (0.22) (0.15) (0.16) ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.50 1.27 1.12 1.66
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.24 12.94 13.79 15.06
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 93.61 101.56 101.91 103.22 ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.34 10.10 12.17 11.47 ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.07 2.52 2.46 2.39 ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.25 1.20 1.23 1.12 ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.02 3.46 3.44 3.25 ‡‡‡‡ ‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.28 16.86 21.10 13.83
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 151.41 150.76 129.46 187.54 ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (11.21) (22.03) (15.55) (16.09)
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 140.21 128.73 113.92 171.45
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (672.81) (762.29) (707.91) (564.84)
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 559.22 186.76 262.99 261.74
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 404.98 39.76 129.58 81.38
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,052.07 1,314.27 1,405.17 1,554.38
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.32% 1.48% 1.24% 1.27%
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.94% 9.54% 7.27% 7.48%
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.86% 13.27% 10.49% 10.29%
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

First Commonwealth Financial Corporation (FCF), a resilient regional bank serving Pennsylvania and nearby markets, has thrived amid COVID-19 turbulence and 2023 banking crises like Silicon Valley Bank’s collapse. Revenues surged from $282 million in 2016 to $700 million in 2024 (CAGR ~7%, accelerating post-FM Bankshares acquisition), driven by operational efficiency—revenue per employee jumped 56% to $453,000 and per share 50% to $6.87—while headcount rose modestly. This buffered against net interest margin pressures from Fed rate hikes, with gross margins dipping but analyst forecasts signaling cyclical recovery to $594 million by 2027.

Profitability remains robust, with ROE at 10.5% (above peers), EPS climbing to $1.40 in 2024 from $0.67 in 2016, and free cash flow per share at $1.12 supporting annual dividend hikes. Balance sheet strength shines through 72% debt reduction to $263 million, equity at $1.41 billion, and low net debt, enabling outperformance versus the KBW Regional Banking Index. Stock price reflects fundamentals, with yearly lows up 58% over a decade and recent close near highs, trading at attractive 12.2x trailing P/E and 1.23x P/B.

Analyst targets imply 10-15% upside plus 3-4% yield, backed by insider buys amid routine selling and projections for EPS to $1.96 by 2027. While high rates, CRE risks, and recession loom, FCF’s deposit-heavy model and M&A scale position it for 10-20% returns over 2-3 years—echoing top regional performers like early-2010s KeyCorp.

First Commonwealth Financial Corporation (FCF) Latest News

News by impact score

Fine-tune

18 Aug

3 , 2:29 PM
First Commonwealth Financial Corporation releases Q2 earnings, prompting buy, sell or hold analysis for the stock. Q2 earnings review offers performance details that shape near-term investor views on FCF.

4 Aug

3 , 7:25 AM
FCF posts Q2 loan growth momentum while deposit competition shapes its outlook. Loan growth momentum and deposit competition directly influence FCF profitability and trajectory.

29 Jul

4 transcript , 11:01 PM
First Commonwealth Financial Corp (FCF) reported strong loan growth in its Q2 2026 earnings call. Strong loan growth signals improved financial performance and market positioning for First Commonwealth Financial Corporation.

3 transcript www.marketbeat.com, 11:03 PM
First Commonwealth Financial Corporation held its Q2 earnings call, highlighting financial results, operational updates and strategic outlook for the company. Q2 earnings updates offer performance details that moderately influence near-term investor views without major strategic shifts.

3 transcript app.moby.co, 8:30 AM
First Commonwealth Financial Corporation discussed its Q2 2026 financial performance and outlook during the earnings call. Quarterly earnings updates typically influence short-term market sentiment without major strategic shifts.

28 Jul

3 , 7:30 PM
FCF reported Q2 earnings and revenues that beat estimates. Beating Q2 earnings and revenue estimates signals stronger financial performance likely to influence near-term stock sentiment.

3 , 5:36 PM
First Commonwealth Financial (NYSE:FCF) exceeded Q2 CY2026 expectations. Earnings beat supports short-term positive market reaction for First Commonwealth Financial.

3 , 5:00 PM
First Commonwealth Financial Corporation reported second quarter 2026 earnings, declared a quarterly dividend, and authorized additional share repurchases. Routine earnings releases plus dividend and repurchase authorizations produce moderate short-term effects on valuation and sentiment.

30 Apr

4 GuruFocus.com, 3:15 AM
First Commonwealth Financial Corp (FCF) reported strong deposit growth in Q1 2026 earnings call highlights, alongside solid financial performance. Strong deposit growth indicates significant positive momentum for FCF's financial health and market performance.

3 www.marketbeat.com, 3:08 AM
First Commonwealth Financial Corporation (FCF) Q1 earnings call highlights key financial results, loan growth, deposit trends, net interest margin improvements, and positive forward guidance amid economic pressures. Q1 earnings highlights reveal financial performance metrics and outlook that moderately influence investor sentiment and stock trajectory.

29 Apr

3 app.moby.co, 8:30 AM
First Commonwealth Financial Corporation released Q1 2026 earnings call summary detailing quarterly financial results, performance highlights, and forward guidance. Quarterly earnings summaries influence financial performance and investor sentiment but represent routine reporting without transformative shifts.

28 Apr

4 Zacks, 9:30 AM
First Commonwealth Financial Corporation (FCF) released Q1 earnings, comparing key metrics to Wall Street estimates. Q1 earnings metrics versus Wall Street estimates directly influence FCF's stock price, investor sentiment, and short-term trajectory.

4 GlobeNewswire, 7:00 AM
First Commonwealth Financial Corporation announced first quarter 2026 earnings and increased its quarterly dividend. Earnings announcement with dividend increase signals financial strength and boosts investor sentiment, significantly impacting stock performance.

3 Zacks, 8:15 AM
First Commonwealth Financial Corporation (FCF) missed Q1 earnings and revenue estimates. Missing Q1 earnings and revenue estimates moderately impacts financial performance and market sentiment.

3 StockStory, 7:08 AM
First Commonwealth Financial (NYSE:FCF) missed Q1 CY2026 sales expectations. Missing Q1 CY2026 sales expectations highlights weaker revenue performance, moderately affecting financial results and investor sentiment.

27 Apr

4 Simply Wall St., 2:06 AM
First Commonwealth Financial Corporation (FCF) appoints new CIO, sparking debate on whether it shifts the investment case for its digital strategy. New CIO appointment represents a major strategic move that could significantly alter FCF's digital trajectory and investor perceptions.

11 Mar

3 StockStory, 7:10 PM
First Commonwealth Financial Corporation (FCF) carries three major risks, prompting recommendation of an alternative stock for investment. Outlining three specific risks while endorsing a competitor stock moderately erodes FCF investor sentiment and near-term performance.

12 Feb

3 StockStory, 11:33 PM
First Commonwealth Financial Corporation (FCF) is highlighted among three stocks under $50 that are navigating challenging market conditions. The article discusses FCF's financial performance, recent strategic initiatives, and market positioning, emphasizing the potential risks and rewards associated with investing in the company amidst economic uncertainties. FCF's performance is influenced by market dynamics and strategic initiatives that could moderately affect its financial outlook.

3 Feb

3 transcript StockStory, 12:31 AM
First Commonwealth Financial Corporation (FCF) held its Q4 earnings call, addressing key analyst questions regarding financial performance, strategic initiatives, and market outlook. The discussion highlighted the company's growth strategies, challenges faced in the current economic environment, and expectations for future performance. Analysts sought clarity on loan growth, asset quality, and the impact of interest rates on profitability. Management provided insights into operational efficiencies and plans for enhancing shareholder value, emphasizing a commitment to sustainable growth amidst market fluctuations. Moderate influence on financial performance and strategic positioning is expected due to the insights shared during the earnings call.

28 Jan

4 transcript www.marketbeat.com, 8:40 PM
First Commonwealth Financial Corporation reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The company demonstrated growth in net income and improved asset quality, while also discussing plans for expansion and investment in technology. Management emphasized their commitment to enhancing customer experience and operational efficiency. Overall, the earnings call reflected a positive outlook for the company's future performance. Significant strategic initiatives and growth in financial metrics indicate a likely positive impact on future performance.

4 transcript GuruFocus.com, 8:00 PM
First Commonwealth Financial Corporation (FCF) reported strong loan growth in its Q4 2025 earnings call, highlighting robust performance across various segments. The company emphasized its strategic initiatives aimed at enhancing customer engagement and expanding its market presence. Management expressed optimism about future growth prospects, driven by favorable economic conditions and a focus on innovation in financial services. Strong loan growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

3 app.moby.co, 8:30 AM
First Commonwealth Financial Corporation (FCF) Q4 2025 earnings call summary covers quarterly financial results, loan growth, deposit trends, net interest margin, credit quality, and 2026 outlook with emphasis on expense discipline and capital returns. Q4 earnings highlights key financial metrics like net interest income and guidance that moderately affect performance and investor views.

27 Jan

4 , 6:10 PM
First Commonwealth Financial Corporation (FCF) reported better-than-expected earnings and revenue for the fourth quarter, surpassing analysts' estimates. The company's strong performance reflects effective management strategies and growth in key financial metrics, contributing to positive investor sentiment. Strong earnings and revenue growth can significantly influence investor confidence and market performance.

4 StockStoryAssociated Press FinanceStockStoryStockStoryStockStoryStockStorySimply Wall St.StockStory, 5:12 PM
First Commonwealth Financial Corporation (FCF) reported its Q4 CY2025 earnings, surpassing market expectations. The company's strong performance was driven by increased loan growth and improved net interest margins. Management highlighted strategic initiatives that contributed to operational efficiency and customer acquisition. The positive results have bolstered investor confidence, leading to a rise in stock prices following the announcement. Strong earnings performance and strategic initiatives are likely to significantly impact future growth and investor sentiment.

4 GlobeNewswire, 5:00 PM
First Commonwealth Financial Corporation (FCF) reported its earnings for the fourth quarter and full year of 2025, highlighting strong financial performance. The company declared a quarterly dividend and announced an increase in its share repurchase authorization, signaling confidence in its financial health and commitment to returning value to shareholders. The increase in share repurchase authorization and dividend declaration indicates significant strategic moves that could positively influence investor sentiment and the company's future performance.

3 Zacks, 7:30 PM
First Commonwealth Financial Corporation (FCF) reported its Q4 earnings, highlighting key metrics that were compared against estimates. The results showed a mix of performance indicators, with some metrics exceeding expectations while others fell short. Analysts are analyzing these results to gauge the company's financial health and future prospects in the competitive banking landscape. The earnings report reflects moderately noticeable influences on financial performance and market sentiment.

3 Associated Press Finance, 5:17 PM
First Commonwealth Financial Corporation reported its Q4 earnings, highlighting key financial metrics and performance indicators. The results showed a year-over-year increase in net income and improvements in loan growth and asset quality. The company also provided guidance for the upcoming fiscal year, indicating optimism about future growth and strategic initiatives. Analysts are closely monitoring these developments as they assess the bank's position in a competitive market. The earnings report indicates moderate improvements in financial performance and growth prospects, which may influence market sentiment.

25 Jan

3 StockStoryStockStoryStockStorySimply Wall St.StockStoryStockStoryStockStoryStockStory, 10:03 PM
First Commonwealth Financial Corporation (FCF) is set to report its earnings tomorrow, with analysts anticipating insights into the company's financial performance and future outlook. Investors are keen to understand how recent economic conditions and strategic initiatives may impact FCF's growth and profitability. Market sentiment is likely to be influenced by the results and any forward guidance provided during the earnings announcement. Earnings reports typically provide moderate insights into financial performance and can influence market sentiment.

22 Jan

3 Simply Wall St., 11:37 PM
First Commonwealth Financial Corporation (FCF) has experienced notable share price momentum recently, prompting a reevaluation of its valuation. Analysts are assessing the implications of this price movement on the company's financial health and market positioning. Factors such as earnings performance, market trends, and competitive landscape are being considered to gauge future prospects. Recent share price momentum indicates a moderately noticeable influence on FCF's market performance and investor sentiment.

3 , 7:45 AM
Atlantic Union reported Q4 earnings and revenues that exceeded analysts' estimates, showcasing strong financial performance. The bank's growth was driven by increased net interest income and a rise in loan demand. Additionally, the company highlighted improvements in asset quality and a positive outlook for the upcoming quarters, indicating confidence in its operational strategies and market position. The earnings report suggests a moderately noticeable influence on financial performance and market sentiment for FCF.

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