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FCF Stock Chart & Stats
$18.81
-$0.07(-0.40%)
At close: 4:00 PM EST
$18.81
-$0.07(-0.40%)
Day’s Range― - ―
52-Week Range$15.00 - $21.41
Previous CloseN/A
Volume178.44K
Average Volume (3M)618.11K
Market Cap
$2.13B
Enterprise Value$1.88K
Total Cash (Recent Filing)$118.13M
Total Debt (Recent Filing)$196.15M
Price to Earnings (P/E)13.7
Beta0.71
Next Earnings
Jul 28, 2026EPS Estimate
0.42Next Dividend Ex-DateN/A
Dividend Yield2.62%
Share Statistics
EPS (TTM)1.51
Shares Outstanding101,684,456
10 Day Avg. Volume632,950
30 Day Avg. Volume618,105
Financial Highlights & Ratios
PEG Ratio1.99
Price to Book (P/B)1.12
Price to Sales (P/S)2.38
P/FCF Ratio10.12
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$21.67Price Target Upside15.19% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.72
Revenue Forecast (FY)$556.55M
Bulls Say, Bears Say
Bulls Say
Stronger Capital / Lower LeverageMaterial de-leveraging and higher equity improve the bank’s loss-absorbing capacity and funding optionality. A materially lower debt-to-equity ratio reduces balance-sheet risk, supports regulatory ratios and enables steady capital returns and M&A flexibility over the medium term.
Reliable Cash GenerationConsistent positive operating and free cash flow near net income indicates durable earnings quality and internal funding for dividends, buybacks, and capital needs. Strong cash conversion supports shareholder returns and buffers cyclicality in loan demand or credit cycles over coming quarters.
Funding Mix And NIM TailwindsImproving replacement yields and expiring hedges are structural tailwinds to interest margin that, combined with deposit growth and a lower loan-to-deposit ratio, strengthen funding stability. These dynamics support sustainable NII recovery as loan volumes normalize.
Bears Say
Margin CompressionSequential NIM decline reflects pressure from asset mix shifts, fewer earning days and rate dynamics; persistent margin compression erodes earnings power per dollar of assets, constraining ROE recovery and requiring higher loan growth or fee income to offset over the medium term.
Elevated Credit Issues & ProvisioningConcentrated problem credits and elevated NPLs drive volatile provisioning needs, which reduce predictable earnings and can consume capital if stress widens. Specific reserves for a few larger relationships indicate idiosyncratic credit risk that may persist through recovery periods.
Expense Pressure; Efficiency Above TargetRising personnel and operating costs keep the efficiency ratio elevated, limiting operating leverage even if revenue stabilizes. Sustained expense pressure reduces net margin sustainability and constrains capacity for reinvestment or higher capital returns without further productivity gains.
FCF FAQ
What was First Commonwealth Financial Corp.’s price range in the past 12 months?
First Commonwealth Financial Corp. lowest stock price was $15.00 and its highest was $21.41 in the past 12 months.
What is First Commonwealth Financial Corp.’s market cap?
First Commonwealth Financial Corp.’s market cap is $2.13B.
When is First Commonwealth Financial Corp.’s upcoming earnings report date?
First Commonwealth Financial Corp.’s upcoming earnings report date is Jul 28, 2026 which is in 5 days.
How were First Commonwealth Financial Corp.’s earnings last quarter?
First Commonwealth Financial Corp. released its earnings results on Apr 28, 2026. The company reported $0.37 earnings per share for the quarter, missing the consensus estimate of $0.4 by -$0.03.
Is First Commonwealth Financial Corp. overvalued?
According to Wall Street analysts First Commonwealth Financial Corp.’s price is currently Undervalued.
Does First Commonwealth Financial Corp. pay dividends?
First Commonwealth Financial Corp. pays a Quarterly dividend of $0.14 which represents an annual dividend yield of 2.62%. See more information on First Commonwealth Financial Corp. dividends here
What is First Commonwealth Financial Corp.’s EPS estimate?
First Commonwealth Financial Corp.’s EPS estimate is 0.42.
How many shares outstanding does First Commonwealth Financial Corp. have?
First Commonwealth Financial Corp. has 101,684,456 shares outstanding.
What happened to First Commonwealth Financial Corp.’s price movement after its last earnings report?
First Commonwealth Financial Corp. reported an EPS of $0.37 in its last earnings report, missing expectations of $0.4. Following the earnings report the stock price went up 1.287%.
Which hedge fund is a major shareholder of First Commonwealth Financial Corp.?
Currently, no hedge funds are holding shares in 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
1
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4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$21.67 (15.19% Upside)
$21.67 (15.19% Upside)
Blogger Sentiment
Neutral
FCF Sentiment 100%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Decreased
By 19.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.6M over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
1.80%
12-Months-Change
Fundamentals
Return on Equity
2.62%
Trailing 12-Months
Asset Growth
4.04%
Trailing 12-Months
Company Description
First Commonwealth Financial Corp.
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.
FCF Stock 12 Month Forecast
Average Price Target
$21.67
▲(15.19% Upside)
Technical Analysis
Ownership Overview
1.40% Insiders
26.42% Mutual Funds
1.38% Other Institutional Investors
41.67% Public Companies and
Individual Investors












