First Commonwealth (FCF) Price & Analysis

FCF Stock Chart & Stats

€17.10€0.10(0.59%)

At close: Oct 30 4:00 PM EDT

Day’s Range: EUR 17.10 - EUR 17.10
52-Week Range: EUR 12.20 - EUR 18.90
Previous Close: EUR 17.00
Volume: 2
Average Volume (3M): 0
Market Cap: EUR 1.89B
Enterprise Value: EUR 2.22B
Total Cash (Recent Filing): EUR 1.73B
Total Debt (Recent Filing): EUR 289.37M
Price to Earnings (P/E): 12.4
Beta: 0.47
Next Earnings: Jan 26, 2027
EPS Estimate: 0.45
Next Dividend Ex-Date: N/A
Dividend Yield: 2.71%

Bulls Say, Bears Say

Bulls Say

Balance-sheet Strength

Material debt reduction and low leverage strengthen First Commonwealth’s financial flexibility. A steadier equity base and manageable debt burden provide capacity to absorb credit volatility, support lending growth, and maintain capital returns without relying as heavily on external funding.

Cash Generation

Free cash flow that closely tracks net income indicates strong earnings conversion and supports internally funded operations. This cash generation can help the bank invest in technology, manage credit costs, sustain dividends, and execute capital actions across the next several quarters.

Margin And Loan-growth Outlook

Improving net interest margin, lower deposit costs, and a funded loan pipeline could support recurring banking revenue. The combination of broad-based loan production and expected NIM expansion gives the company a durable operating path if its deposit and credit assumptions remain achievable.

Bears Say

Credit Deterioration

Record provisioning and rising problem loans create a direct risk to earnings quality and capital generation. Although exposures are concentrated in identified credits, resolution is expected to take multiple quarters, leaving future reserves and credit costs uncertain over the medium term.

Revenue And Margin Pressure

The sharp top-line decline and compressed operating margin indicate that recent earnings strength has not translated into broad revenue momentum. If spread or fee conditions remain weaker, reduced operating leverage could constrain profitability and limit the pace of organic capital accumulation.

Funding And Loan-demand Pressure

Higher rates can weaken both sides of the banking model by reducing borrower demand while increasing the cost of retaining deposits. More difficult project financing and competitive renewals could pressure loan growth, funding spreads, and net interest income over coming quarters.

First Commonwealth News

First Commonwealth price target lowered to $23 from $24 at DA Davidson

DA Davidson analyst Jake Civiello lowered the firm’s price target on First Commonwealth (FCF) to $23 from $24 and keeps a Neutral rating on the shares. The company’s Q3 results

3d agoFCF

First Commonwealth Financial Balances Growth With Credit Risks

First Commonwealth Financial (($FCF)) has held its Q3 earnings call. Read on for the main highlights of the call. First Commonwealth Financial’s latest earnings call struck a cautiously upbeat tone.

3d agoFCF

First Commonwealth Announces Dividend and Share Repurchase Plan

First Commonwealth ( ($FCF) ) has shared an update. First Commonwealth Financial Corporation, based in Indiana, Pennsylvania and traded on the NYSE as FCF, is a regional banking company that

4d ago8K FCF

First Commonwealth Financial (FCF) Q3 Earnings Cheat Sheet

First Commonwealth Financial (FCF) is scheduled to report 3rd quarter earnings on 10/27/2026, after the market closes. Regarding Q3 estimates, Wall Street analysts expect First Commonwealth Financial to post earnings

1w agoFCF

Analyst Maintains Hold on First Commonwealth as Profit Growth Slows and Credit Concerns Temper Upside, Sets $24 Price Target

First Commonwealth (FCF) has received a new Hold rating, initiated by D.A. Davidson analyst, Jake Civiello. Jake Civiello has given his Hold rating due to a combination of factors, including

1M agoFCF

First Commonwealth initiated with a Neutral at DA Davidson

DA Davidson initiated coverage of First Commonwealth (FCF) with a Neutral rating and $24 price target The firm believes the bank should trade at a premium to peers given its

1M agoFCF

First Commonwealth appoints Phillip Graves as accounting chief

First Commonwealth ( ($FCF) ) has provided an announcement. On September 14, 2026, First Commonwealth Financial Corporation appointed Phillip J. Graves Jr. as Chief Accounting Officer of the corporation and

1M ago8K FCF

First Commonwealth Modernizes Corporate Governance and Proxy Rules

First Commonwealth ( ($FCF) ) just unveiled an announcement. On July 28, 2026, First Commonwealth Financial Corporation’s board approved several amendments to its by-laws to modernize corporate governance and align

3M ago8K FCF

First Commonwealth price target raised to $24 from $21 at Raymond James

Raymond James raised the firm’s price target on First Commonwealth (FCF) to $24 from $21 and keeps an Outperform rating on the shares. The company’s Q2 results benefited from lower

3M agoFCF

First Commonwealth price target raised to $24 from $21 at Keefe Bruyette

Keefe Bruyette raised the firm’s price target on First Commonwealth (FCF) to $24 from $21 and keeps a Market Perform rating on the shares. Published first on TheFly – the

3M agoFCF

First Commonwealth Financial Balances Growth With Headwinds

First Commonwealth Financial (($FCF)) has held its Q2 earnings call. Read on for the main highlights of the call. First Commonwealth Financial’s latest earnings call struck a cautiously optimistic tone.

3M agoFCF

First Commonwealth price target raised to $25 from $21 at Piper Sandler

Piper Sandler analyst Manuel Navas raised the firm’s price target on First Commonwealth (FCF) to $25 from $21 and keeps an Overweight rating on the shares. The firm notes First

3M agoFCF

First Commonwealth Reports Strong Q2 Earnings and Buyback

First Commonwealth ( ($FCF) ) has provided an update. On July 28, 2026, First Commonwealth Financial Corporation reported second-quarter 2026 net income of $44.6 million, or $0.44 per diluted share,

3M ago8K FCF

First Commonwealth reports Q2 EPS 44c, consensus 42c

Reports Q2 revenue $139.51M, consensus $137.54M. Reports Q2 tangible book value per share $11.58. Reports Q2 CET1 capital ratio 12.6%. “The momentum we generated during the second quarter reinforces our

3M agoFCF

FCF FAQ

What was First Commonwealth’s price range in the past 12 months?

First Commonwealth lowest stock price was €12.20 and its highest was €18.90 in the past 12 months.

What is First Commonwealth’s market cap?

First Commonwealth’s market cap is €1.89B.

When is First Commonwealth’s upcoming earnings report date?

First Commonwealth’s upcoming earnings report date is Jan 26, 2027 which is in 86 days.

How were First Commonwealth’s earnings last quarter?

First Commonwealth released its earnings results on Oct 27, 2026. The company reported €0.402 earnings per share for the quarter, missing the consensus estimate of €0.408 by -€0.006.

Is First Commonwealth overvalued?

According to Wall Street analysts First Commonwealth’s price is currently Undervalued.

Does First Commonwealth pay dividends?

First Commonwealth does not currently pay dividends.

What is First Commonwealth’s EPS estimate?

First Commonwealth’s EPS estimate is 0.45.

How many shares outstanding does First Commonwealth have?

First Commonwealth has 101,055,920 shares outstanding.

What happened to First Commonwealth’s price movement after its last earnings report?

First Commonwealth reported an EPS of €0.402 in its last earnings report, missing expectations of €0.408. Following the earnings report the stock price went down -0.575%.

Which hedge fund is a major shareholder of First Commonwealth?

Currently, no hedge funds are holding shares in DE: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

Neutral

Learn more about TipRanks Smart Score

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Company Description

First Commonwealth

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company’s consumer services include internet, mobile, and telephone banking; an automated teller machine network; 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, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.

First Commonwealth (FCF) Earnings & Revenues

Historic Earnings Reports

FCF Company Deck

FCF Earnings Call

Q3 2026

0:00 / 0:00

Earnings Call SentimentPositive

The call was generally constructive, with strong net interest margin and net interest income trends, improving loan production, substantial capital returned through buybacks, a sizable future funding pipeline, and continued technology investment. These positives were partially offset by record quarterly provision expense, higher nonperforming and classified loans concentrated in identified credits, ongoing Central Pennsylvania credit work, rising-rate pressure on demand, and higher expenses. Management remained confident in the operating trajectory and maintained fourth-quarter guidance.

View all DE:FCF earnings summaries

FCF Stock 12 Month Forecast

Average Price Target

EUR 21.43▲(25.31% Upside)

Past 12 Months12 Month ForecastJan2026Oct2026

HighEUR 22.32

AverageEUR 21.43

LowEUR 20.54

Detailed Analyst Forecast >

Technical Analysis

Overall Consensus

Indicator	Bullish	Neutral	Bearish
Overall Consensus	16	4	2
Technical Analysis	4	4	2
Moving Averages	12	0	0

Technical Analysis >

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Ownership Overview

1.35% Insiders
27.21% Mutual Funds
0.37% Other Institutional Investors
36.34% Public Companies and Individual Investors

Detailed Ownership Overview >

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First Commonwealth stock analysis

FCF Stock Chart & Stats

Bulls Say, Bears Say

Bulls Say

Balance-sheet Strength

Cash Generation

Margin And Loan-growth Outlook

Bears Say

Credit Deterioration

Revenue And Margin Pressure

Funding And Loan-demand Pressure

First Commonwealth News

First Commonwealth price target lowered to $23 from $24 at DA Davidson

First Commonwealth Financial Balances Growth With Credit Risks

First Commonwealth Announces Dividend and Share Repurchase Plan

First Commonwealth Financial (FCF) Q3 Earnings Cheat Sheet

Analyst Maintains Hold on First Commonwealth as Profit Growth Slows and Credit Concerns Temper Upside, Sets $24 Price Target

First Commonwealth initiated with a Neutral at DA Davidson

First Commonwealth appoints Phillip Graves as accounting chief

First Commonwealth Modernizes Corporate Governance and Proxy Rules

First Commonwealth price target raised to $24 from $21 at Raymond James

First Commonwealth price target raised to $24 from $21 at Keefe Bruyette

First Commonwealth Financial Balances Growth With Headwinds

First Commonwealth price target raised to $25 from $21 at Piper Sandler

First Commonwealth Reports Strong Q2 Earnings and Buyback

First Commonwealth reports Q2 EPS 44c, consensus 42c

FCF FAQ

First Commonwealth Stock Smart Score

Company Description

First Commonwealth

First Commonwealth (FCF) Earnings & Revenues

FCF Company Deck

FCF Earnings Call

Earnings Call Sentiment|Positive

FCF Stock 12 Month Forecast

Average Price Target

Technical Analysis

Overall Consensus

Similar Stocks

Ownership Overview

Popular Stocks

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Earnings Call SentimentPositive