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FCF Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

Loading chart...

High
17.010
Open
16.850
VWAP
16.77
Vol
892.29K
Mkt Cap
1.71B
Low
16.570
Amount
14.96M
EV/EBITDA(TTM)
10.59
Total Shares
102.14M
EV
2.04B
EV/OCF(TTM)
4.23
P/S(TTM)
3.63
First Commonwealth Financial Corporation is a financial holding company. The Company’s operating subsidiaries include First Commonwealth Bank (the Bank), First Commonwealth Insurance Agency, Inc. (FCIA) and FRAMAL. It provides a diversified array of consumer and commercial banking services through its subsidiary, FCB. It also provides trust and wealth management services through FCB and offers insurance products through FCIA. Its consumer services include Internet, mobile and telephone banking, an automated teller machine network, personal checking accounts, savings accounts, health savings accounts, insured money market accounts, debit cards, investment certificates, mortgage loans, and others. The Bank operates through approximately 127 community banking offices in 30 counties throughout western and central Pennsylvania and throughout Ohio, as well as commercial lending operations in Pittsburgh and Harrisburg, Pennsylvania, and Canton, Cleveland, Columbus and Cincinnati, Ohio.
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Events Timeline

(ET)
2026-01-27
17:10:00
Net Interest Income Increases to $113.6 Million
select
2025-12-01 (ET)
2025-12-01
17:10:00
First Commonwealth Authorizes $25M Share Repurchase Program
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2025-11-03 (ET)
2025-11-03
08:47:39
Joseph DiVito Jr. Joins the Board of Directors at First Commonwealth
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2025-10-28 (ET)
2025-10-28
17:01:54
First Commonwealth announces Q3 core EPS of 39 cents, falling short of consensus estimate of 41 cents.
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2025-05-01 (ET)
2025-05-01
07:19:01
First Commonwealth completes acquisition of CenterGroup Financial
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News

seekingalpha
9.5
01-29seekingalpha
First Commonwealth Financial Corporation Q4 2025 Earnings Highlights
  • Core Earnings Performance: First Commonwealth reported a core EPS of $0.43 for Q4, exceeding market expectations, while the net interest margin expanded to 3.98% and core ROA reached 1.45%, indicating enhanced profitability in a favorable interest rate environment.
  • Loan and Deposit Growth: The company achieved an annualized loan growth rate of 8.2% and a deposit growth of 6.1% in 2025, driven by healthy commercial loan volumes and lower deposit costs, reflecting its competitive position in the market.
  • Strategic Loan Sale: The designation of a $225 million commercial loan portfolio as held for sale represents a strategic exit from the Philadelphia market, expected to improve liquidity and capital ratios while potentially impacting future net interest income growth.
  • Share Buyback Program: As of December 31, 2025, the remaining share repurchase capacity was $22.7 million, with an additional $25 million authorized by the Board, demonstrating the company's focus on capital deployment and confidence in future growth.
seekingalpha
9.5
01-27seekingalpha
First Commonwealth Financial Q4 Earnings Beat Expectations
  • Earnings Beat: First Commonwealth Financial reported a Q4 non-GAAP EPS of $0.43, exceeding expectations by $0.01, indicating robust profitability and boosting investor confidence.
  • Significant Revenue Growth: The company achieved $137 million in revenue for Q4, a 13.4% year-over-year increase that not only surpassed market expectations by $1.44 million but also reflects strong business expansion and market demand, solidifying its market position.
  • Share Buyback Announcement: First Commonwealth Financial announced a $25 million share buyback plan aimed at enhancing EPS and shareholder returns, demonstrating the company's confidence in future growth and commitment to shareholder value.
  • Upgrade Anticipation: With improved earnings, market attention on First Commonwealth Financial is increasing, and analysts are likely to upgrade their ratings on the company, potentially attracting more investor interest.
moomoo
9.5
01-27moomoo
FIRST COMMONWEALTH FINANCIAL REPORTS Q4 EPS OF USD 0.43
  • Financial Performance: The company reported a Q4 EPS of $0.43, indicating its earnings per share for the fourth quarter.
  • Commonwealth Financial: The report pertains to Commonwealth Financial, highlighting its financial results for the specified quarter.
Yahoo Finance
9.5
01-23Yahoo Finance
First Commonwealth Financial Stock Rises, 1-Year Return at 13.68%
  • Stock Performance: First Commonwealth Financial (FCF) closed at $18.08, with a 4.99% increase over the past 30 days, indicating positive short-term momentum despite a slight 0.17% decline in one-day returns.
  • Long-Term Returns: The company has achieved a total shareholder return of 13.68% over the past year and an impressive 78.38% over five years, demonstrating substantial gains for long-term holders even amid short-term sentiment fluctuations.
  • Valuation Analysis: With a current price of $18.08 and a target price of $19.20, the 6.01% gap suggests potential undervaluation, especially given the intrinsic value estimate indicating a 50.76% discount.
  • Market Outlook: The company is positioned to capitalize on population migration and economic expansion through robust organic loan growth across various business lines and successful integration of acquisitions like CenterBank, supporting sustainable future revenue and balance sheet growth.
Globenewswire
9.5
01-09Globenewswire
First Commonwealth Financial Corporation Schedules Q4 2025 Earnings Call for January 28, 2026
  • Earnings Call Announcement: First Commonwealth Financial Corporation will host a conference call on January 28, 2026, at 2:00 PM ET to discuss its financial results for the quarter ending December 31, 2025, which is expected to provide key financial metrics to guide investor decisions.
  • Executive Participation: The call will be led by CEO T. Michael Price and will include several executives such as CFO James Reske, demonstrating the company's commitment to financial transparency and stakeholder engagement.
  • Market Reaction Anticipation: The earnings report will be released after market close on January 27, 2026, and investors will closely monitor performance to assess the company's standing in the competitive financial services market.
  • Investor Interaction Opportunity: Participants can submit questions via email, and a recording will be available post-call, enhancing interaction between investors and the company, thereby increasing transparency and trust.
Globenewswire
8.0
2025-12-01Globenewswire
First Commonwealth Financial Corporation Authorizes $25 Million Share Repurchase Program
  • Repurchase Program Initiation: First Commonwealth Financial Corporation's Board of Directors has authorized a new $25 million share repurchase program aimed at enhancing shareholder value and boosting market confidence.
  • Completion of Previous Buyback: In Q4 2025, the company successfully completed its previously announced $25 million stock repurchase, acquiring 1,560,477 shares at an average price of $16.02, demonstrating confidence in its stock.
  • Compliance Measures: The new repurchase program will be executed through various methods compliant with federal securities laws, including Rule 10b5-1 plans and open market purchases, ensuring transparency and adherence to regulations.
  • Market Flexibility: The company retains the right to suspend or discontinue the repurchase program at any time, providing flexibility to adjust its strategy based on market conditions and optimize capital allocation.
Wall Street analysts forecast FCF stock price to rise
3 Analyst Rating
Wall Street analysts forecast FCF stock price to rise
3 Buy
0 Hold
0 Sell
Strong Buy
Current: 0.000
sliders
Low
19.00
Averages
20.00
High
21.00
Current: 0.000
sliders
Low
19.00
Averages
20.00
High
21.00
Keefe Bruyette
Kelly Motta
Market Perform
maintain
$19 -> $20
AI Analysis
2026-01-29
Reason
Keefe Bruyette
Kelly Motta
Price Target
$19 -> $20
AI Analysis
2026-01-29
maintain
Market Perform
Reason
Keefe Bruyette analyst Kelly Motta raised the firm's price target on First Commonwealth to $20 from $19 and keeps a Market Perform rating on the shares.
Raymond James
David Feaster
Market Perform -> Outperform
upgrade
$20
2026-01-07
Reason
Raymond James
David Feaster
Price Target
$20
2026-01-07
upgrade
Market Perform -> Outperform
Reason
Raymond James analyst David Feaster upgraded First Commonwealth to Outperform from Market Perform with a $20 price target. Recent share underperformance appears unjustified given above-peer profitability, solid long-term growth prospects, and expectations for credit-related noise to fade in 2026, the analyst tells investors in a research note. Strong capital levels, active balance sheet management, and resilient credit quality support the view that shares are positioned to outperform despite trading roughly in line with peers, the firm says.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for FCF
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Valuation Metrics

The current forward P/E ratio for First Commonwealth Financial Corp (FCF.N) is 9.73, compared to its 5-year average forward P/E of 10.12. For a more detailed relative valuation and DCF analysis to assess First Commonwealth Financial Corp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
10.12
Current PE
9.73
Overvalued PE
11.62
Undervalued PE
8.62

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.15
Current PS
3.14
Overvalued PS
3.57
Undervalued PS
2.74

Financials

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Frequently Asked Questions

What is First Commonwealth Financial Corp (FCF) stock price today?

The current price of FCF is 16.73 USD — it has decreased -1.47

What is First Commonwealth Financial Corp (FCF)'s business?

First Commonwealth Financial Corporation is a financial holding company. The Company’s operating subsidiaries include First Commonwealth Bank (the Bank), First Commonwealth Insurance Agency, Inc. (FCIA) and FRAMAL. It provides a diversified array of consumer and commercial banking services through its subsidiary, FCB. It also provides trust and wealth management services through FCB and offers insurance products through FCIA. Its consumer services include Internet, mobile and telephone banking, an automated teller machine network, personal checking accounts, savings accounts, health savings accounts, insured money market accounts, debit cards, investment certificates, mortgage loans, and others. The Bank operates through approximately 127 community banking offices in 30 counties throughout western and central Pennsylvania and throughout Ohio, as well as commercial lending operations in Pittsburgh and Harrisburg, Pennsylvania, and Canton, Cleveland, Columbus and Cincinnati, Ohio.

What is the price predicton of FCF Stock?

Wall Street analysts forecast FCF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FCF is20.00 USD with a low forecast of 19.00 USD and a high forecast of 21.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is First Commonwealth Financial Corp (FCF)'s revenue for the last quarter?

First Commonwealth Financial Corp revenue for the last quarter amounts to 129.21M USD, increased 15.75

What is First Commonwealth Financial Corp (FCF)'s earnings per share (EPS) for the last quarter?

First Commonwealth Financial Corp. EPS for the last quarter amounts to 0.43 USD, increased 22.86

How many employees does First Commonwealth Financial Corp (FCF). have?

First Commonwealth Financial Corp (FCF) has 1522 emplpoyees as of March 12 2026.

What is First Commonwealth Financial Corp (FCF) market cap?

Today FCF has the market capitalization of 1.71B USD.