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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. In the quarter to June 2026, revenue grew 1.44%, EPS grew 37.5%, free cash flow fell 98.5% and total debt fell 52.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.

20.34 0.12 +0.59%
Market cap
$2.0B
P/E
12.4×
Fwd P/E
11.1×
Dividend yield
2.70%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.10
Total sells 3.35
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 2 — — 1 — — 1 — — — — —
Sell 1 1 1 3 1 2 2 2 1 3 1 1
Insider Ownership 1.94%

Capital & Financial Ratios $m

Market Cap 2,040.00
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 12.40
Fwd P/E 11.10
P/S ratio 2.77
P/B ratio 1.31
Past 5Y EPS Growth 14.41%
This Y EPS Growth 17.88% (at or above 15%: strong)
Next Y EPS Growth 12.86%
Next Y revenue growth (23.66%) (below 0%: weak)
Next 5Y EPS Growth 12.62%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 53.30%
10-year low 10-year high
P/S against its own 10 years 37.41%
10-year low 10-year high
P/B against its own 10 years 64.87%
10-year low 10-year high

Dividends

Payout Ratio 0.34
Annual Dividend Rate 0.55
Annual Dividend Yield 2.70%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.56
0.14
0.14
0.14
2025 0.54
0.13
0.14
0.14
0.14
2024 0.52
0.13
0.13
0.13
0.13
2023 0.50
0.12
0.13
0.13
0.13
2022 0.48
0.12
0.12
0.12
0.12
2021 0.46
0.11
0.12
0.12
0.12
2020 0.44
0.11
0.11
0.11
0.11
2019 0.40
0.10
0.10
0.10
0.10
2018 0.35
0.08
0.09
0.09
0.09
2017 0.32
0.08
0.08
0.08
0.08
2016 0.28
0.07
0.07
0.07
0.07
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 147 133 180 180
Receivables — — — —
Inventory — — — —
Other — — — —
9,028 9,050 9,834 9,564
2023 2024 2025 Q'26
Payables 9,192 9,678 10,251 10,260
ST’ Debt — — — —
Other — — — —
9,790 9,758 10,399 10,398

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%

Revenue $m

Mar Jun Sep Dec Year
’26 182 186 — — —
’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.

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
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

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 7.85 12.05 11.33 11.90 6.77 10.69 12.76 11.16 12.41 13.54

Analyst estimates 2026–2028

Powerpack
High 14.34 15.67 17.91 14.93 14.63 16.28 17.63 16.53 19.96 18.28
People
People Employees 1,376 1,476 1,512 1,571 1,393 1,471 1,477 1,504 1,545 1,577
Revenue/emp, $m 0.21 0.22 0.25 0.26 0.28 0.27 0.29 0.42 0.45 0.46
Income, $m
Income, $m Revenue 282 331 381 411 396 401 429 627 700 730
Gross margin, % 93.42 93.42 89.49 86.51 91.68 96.18 95.86 76.97 68.33 71.68
EBT 85 104 133 131 90 173 160 198 178 191
EBT margin, % 30.20 31.35 34.86 31.86 22.80 43.14 37.37 31.53 25.47 26.23
Net income 60 55 107 105 73 138 128 157 143 152
Depreciation 12 13 11 14 18 16 13 5 6 7
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
Earnings 0.67 0.58 1.08 1.07 0.75 1.44 1.37 1.54 1.40 1.47
Cash flow 1.00 0.93 1.37 1.09 1.08 1.73 1.62 1.48 1.27 1.82
Capex (0.08) (0.12) (0.10) (0.18) (0.08) (0.11) (0.12) (0.22) (0.15) (0.16)
Free cash flow 0.92 0.81 1.27 0.92 1.01 1.62 1.50 1.27 1.12 1.66
Book value 8.44 9.33 9.85 10.74 10.96 11.61 11.24 12.94 13.79 15.06
Shares, m 89 95 99 98 98 96 94 102 102 103
Valuation, ×
Valuation, × P/E 21.18 24.55 11.19 13.56 14.39 11.10 10.34 10.10 12.17 11.47
P/S 4.47 4.10 3.14 3.47 2.70 3.84 3.07 2.52 2.46 2.39
P/B 1.68 1.53 1.23 1.35 1.00 1.39 1.25 1.20 1.23 1.12
EV/Sales 4.34 4.04 3.37 3.75 2.38 3.31 3.13 2.59 2.65 2.50
EV/FCF 14.99 17.42 10.21 17.05 9.62 8.58 9.58 12.58 16.27 10.63
Cash, $m
Cash, $m Operating cash flow 89 88 135 108 106 165 151 151 129 188
Capex (7) (12) (10) (17) (8) (11) (11) (22) (16) (16)
Free cash flow 82 77 126 90 98 154 140 129 114 171
Balance, $m
Balance, $m Working capital (863) (807) (783) (604) (506) (960) (673) (762) (708) (565)
Total debt 81 88 185 234 233 182 181 187 263 262
Net debt (35) (19) 86 112 (123) (213) 27 40 130 81
Shareholders’ equity 750 888 975 1,056 1,069 1,109 1,052 1,314 1,405 1,554
Returns, %
Returns, % ROA 0.90 0.79 1.42 1.31 0.85 1.49 1.32 1.48 1.24 1.27
ROIC 7.73 8.20 7.91 7.19 5.96 12.05 9.38 9.54 7.27 7.48
ROE 8.11 6.74 11.54 10.37 6.91 12.70 11.86 13.27 10.49 10.29
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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 $2.2B 10.3× 9.8× +2.40% (above 0%: growing) +20.87% (above 0%: growing) +41.84% (above 0%: growing) 82.69% 0.00% Compare
NWBI Northwest Bancshares, Inc. $2.2B 14.2× 10.3× +18.20% (above 0%: growing) +42.31% (above 0%: growing) +538.73% (above 0%: growing) 75.69% 0.00% Compare
WAFD WaFd, Inc. $2.2B 9.1× 10.9× +1.80% (above 0%: growing) +16.44% (above 0%: growing) +33.88% (above 0%: growing) 57.68% 0.00% Compare
EFSC Enterprise Financial Services Corporation $2.2B 11.8× 11.1× +1.34% (above 0%: growing) −19.12% (below 0%: shrinking) +15.23% (above 0%: growing) 75.04% 0.00% Compare
SRCE 1st Source Corporation $2.1B 12.3× 11.1× +3.88% (above 0%: growing) +29.14% (above 0%: growing) +16.78% (above 0%: growing) 75.70% 0.00% Compare
FCF First Commonwealth Financial Corporation $2.0B 12.4× 11.1× +1.44% (above 0%: growing) +37.50% (above 0%: growing) −98.48% (below 0%: shrinking) 74.84% 0.00%
TBBK The Bancorp, Inc. $2.0B 9.2× 9.1× −9.61% (below 0%: shrinking) +14.06% (above 0%: growing) −31.16% (below 0%: shrinking) 79.72% 0.00% Compare
CHCO City Holding Company $2.0B 15.5× 14.0× +1.16% (above 0%: growing) +2.62% (above 0%: growing) +19.16% (above 0%: growing) 80.74% 0.00% Compare
BLX Bladex Inc. $1.9B 9.0× 8.9× +3.74% (above 0%: growing) +2.31% (above 0%: growing) −117.11% (below 0%: shrinking) 43.99% 0.00% Compare
Median of peers $2.1B 11.1× 10.6× +2.10% +15.25% +17.97% 75.70% 0.00%

All 323 Banks Regional stocks →

First Commonwealth Financial Corporation (FCF) key facts

  • Strength: First Commonwealth Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $729.5 million, up 4.26% from fiscal 2024.
  • Strength: Net income was $152.3 million, or $1.47 per share (basic), a net margin of 20.9%.
  • First Commonwealth Financial Corporation (FCF) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, FCF traded at $20.34, a market capitalization of $2.0 billion.
  • At that price the stock trades at 12.4× trailing-twelve-month earnings and 2.8× sales; its P/E is higher than 53% of its own readings over the past ten years.
  • First Commonwealth Financial Corporation pays an annual dividend of $0.55 per share, a yield of 2.70%, with a payout ratio of 33.7%.
  • Return on equity was 10.3% and debt-to-equity 0.08.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

First Commonwealth Financial Corporation (FCF) Latest News

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stockrow.com/FCF · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com