Loading...
FCF logo

First Commonwealth Financial CorporationNYSE:FCF Stock Report

Market Cap US$1.6b
Share Price
US$15.91
My Fair Value
US$18.75
15.1% undervalued intrinsic discount
1Y-7.9%
7D-1.1%
Portfolio Value
​
View

First Commonwealth Financial Corporation

NYSE:FCF Stock Report

Market Cap: US$1.6b

First Commonwealth Financial (FCF) Stock Overview

A financial holding company, provides various consumer and commercial banking products and services in the United States. More details

FCF fundamental analysis
Snowflake Score
Valuation4/6
Future Growth4/6
Past Performance2/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 52.3% below our estimate of its fair value

Earnings are forecast to grow 21.06% per year

Pays a reliable dividend of 3.39%

Risk Analysis

No risks detected for FCF from our risk checks.

FCF Community Fair Values

Create Narrative

See what others think this stock is worth. Follow their fair value or set your own to get alerts.

FCF logo
First Commonwealth Financial

Digital Banking And Loan Diversification Will Unlock New Markets

Key Takeaways Strong loan growth, digital investments, and fee-based expansion drive diversification, operational efficiency, and support earnings stability despite changing market conditions. Disciplined acquisitions and demographic trends enhance market presence, deepen customer relationships, and create new opportunities for noninterest income growth.
View narrative
US$19.2
FV
17.1% undervalued intrinsic discount
15.41%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
View Stock Community

First Commonwealth Financial Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for First Commonwealth Financial
Historical stock prices
Current Share PriceUS$15.91
52 Week HighUS$19.96
52 Week LowUS$13.54
Beta0.81
1 Month Change-8.51%
3 Month Change-5.80%
1 Year Change-7.87%
3 Year Change15.29%
5 Year Change74.26%
Change since IPO244.00%

Recent News & Updates

First Commonwealth: Downgrading After Price Rally, Earnings Outlook Continues To Remain Satisfactory

Sep 06

First Commonwealth Financial (NYSE:FCF) Is Due To Pay A Dividend Of $0.135

Aug 05
First Commonwealth Financial (NYSE:FCF) Is Due To Pay A Dividend Of $0.135

Recent updates

First Commonwealth: Downgrading After Price Rally, Earnings Outlook Continues To Remain Satisfactory

Sep 06

First Commonwealth Financial (NYSE:FCF) Is Due To Pay A Dividend Of $0.135

Aug 05
First Commonwealth Financial (NYSE:FCF) Is Due To Pay A Dividend Of $0.135

First Commonwealth Financial's (NYSE:FCF) Dividend Will Be Increased To $0.135

May 05
First Commonwealth Financial's (NYSE:FCF) Dividend Will Be Increased To $0.135

Shareholders Will Likely Find First Commonwealth Financial Corporation's (NYSE:FCF) CEO Compensation Acceptable

Apr 23
Shareholders Will Likely Find First Commonwealth Financial Corporation's (NYSE:FCF) CEO Compensation Acceptable

First Commonwealth Financial: Acquisition To Support Earnings, Upgrading To Buy

Mar 27

First Commonwealth Financial Corporation: An Interesting Financial Firm To Keep An Eye On

Dec 12

First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.13

Nov 02
First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.13

First Commonwealth Financial Corporation Just Missed Earnings - But Analysts Have Updated Their Models

Nov 01
First Commonwealth Financial Corporation Just Missed Earnings - But Analysts Have Updated Their Models
User avatar

Growth In Loan Yields And Critical Capital Moves Brighten Outlook, Though Credit Risks And Rate Cuts Could Dampen Profitability

Expansion in net interest margin shows a prospect for growth in net interest income due to favorable loan yields surpassing funding costs.

First Commonwealth Financial: Downgrading To Hold And Reducing The Earnings Estimate

Sep 20

First Commonwealth Financial (NYSE:FCF) Will Pay A Dividend Of $0.13

Jul 30
First Commonwealth Financial (NYSE:FCF) Will Pay A Dividend Of $0.13

First Commonwealth Financial Corporation (NYSE:FCF) Released Earnings Last Week And Analysts Lifted Their Price Target To US$17.75

Jul 26
First Commonwealth Financial Corporation (NYSE:FCF) Released Earnings Last Week And Analysts Lifted Their Price Target To US$17.75

First Commonwealth Financial: Attractively Valued But With A Lackluster Earnings Outlook

Apr 22

First Commonwealth Financial (NYSE:FCF) Is Due To Pay A Dividend Of $0.125

Feb 03
First Commonwealth Financial (NYSE:FCF) Is Due To Pay A Dividend Of $0.125

First Commonwealth Financial: On A Significant Growth Track But An Unattractive Valuation

Feb 01

If EPS Growth Is Important To You, First Commonwealth Financial (NYSE:FCF) Presents An Opportunity

Feb 01
If EPS Growth Is Important To You, First Commonwealth Financial (NYSE:FCF) Presents An Opportunity

First Commonwealth Financial: Q3 2023 Shows Positive Signs

Nov 03

First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.125

Apr 28
First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.125

First Commonwealth Financial (NYSE:FCF) Is Paying Out A Dividend Of $0.12

Jan 28
First Commonwealth Financial (NYSE:FCF) Is Paying Out A Dividend Of $0.12

First Commonwealth Financial Non-GAAP EPS of $0.39 misses by $0.04, revenue of $112.34M misses by $1.03M

Jan 24

First Commonwealth Financial (NYSE:FCF) Will Pay A Dividend Of $0.12

Nov 01
First Commonwealth Financial (NYSE:FCF) Will Pay A Dividend Of $0.12

First Commonwealth Financial declares $0.12 dividend

Oct 25

First Commonwealth Financial: M&A Strategy Continues With Centric Acquisition

Sep 15

First Commonwealth to acquire Centric Financial in $144M all-stock deal

Aug 30

First Commonwealth Financial Non-GAAP EPS of $0.33 in-line, revenue of $98.17M beats by $0.76M

Jul 26

Here's Why First Commonwealth Financial (NYSE:FCF) Has Caught The Eye Of Investors

Jul 21
Here's Why First Commonwealth Financial (NYSE:FCF) Has Caught The Eye Of Investors

First Commonwealth Financial: Earnings To Dip On Provisioning Normalization

Jul 03

First Commonwealth Financial (NYSE:FCF) Is Increasing Its Dividend To US$0.12

Apr 29
First Commonwealth Financial (NYSE:FCF) Is Increasing Its Dividend To US$0.12

First Commonwealth: Strong Top-Line Growth Views Unlikely To Compensate For Provision Normalization

Apr 08

Does First Commonwealth Financial (NYSE:FCF) Deserve A Spot On Your Watchlist?

Apr 06
Does First Commonwealth Financial (NYSE:FCF) Deserve A Spot On Your Watchlist?

First Commonwealth Financial: Not Too Excited

Jan 22

Here's Why I Think First Commonwealth Financial (NYSE:FCF) Might Deserve Your Attention Today

Dec 26
Here's Why I Think First Commonwealth Financial (NYSE:FCF) Might Deserve Your Attention Today

First Commonwealth Financial: Outlook Of Strong Balance Sheet Growth, Decent Price Upside

Dec 19

First Commonwealth Financial's (NYSE:FCF) Upcoming Dividend Will Be Larger Than Last Year's

Oct 30
First Commonwealth Financial's (NYSE:FCF) Upcoming Dividend Will Be Larger Than Last Year's

Shareholder Returns

FCFUS BanksUS Market
7D-1.1%0.9%1.7%
1Y-7.9%17.1%14.5%

Return vs Industry: FCF underperformed the US Banks industry which returned 17.1% over the past year.

Return vs Market: FCF underperformed the US Market which returned 14.5% over the past year.

Price Volatility

Is FCF's price volatile compared to industry and market?
FCF volatility
FCF Average Weekly Movement3.5%
Banks Industry Average Movement3.8%
Market Average Movement6.5%
10% most volatile stocks in US Market17.4%
10% least volatile stocks in US Market3.0%

Stable Share Price: FCF has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: FCF's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19341,562Mike Pricewww.fcbanking.com

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. Its commercial banking services comprise 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.

First Commonwealth Financial Corporation Fundamentals Summary

How do First Commonwealth Financial's earnings and revenue compare to its market cap?
FCF fundamental statistics
Market capUS$1.62b
Earnings (TTM)US$134.03m
Revenue (TTM)US$454.63m
12.4x
P/E Ratio
1.1x
P/B Ratio

Is FCF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FCF income statement (TTM)
RevenueUS$454.63m
Cost of RevenueUS$0
Gross ProfitUS$454.63m
Other ExpensesUS$320.60m
EarningsUS$134.03m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Oct 28, 2025

Earnings per share (EPS)1.29
Gross Margin100.00%
Net Profit Margin29.48%
Debt/Equity Ratio33.2%

How did FCF perform over the long term?

See historical performance and comparison

Dividends

3.4%
Current Dividend Yield
40%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/17 04:14
End of Day Share Price 2025/10/17 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First Commonwealth Financial Corporation is covered by 16 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen MossB. Riley Securities, Inc.
null nullD.A. Davidson & Co.
Manuel NavasD.A. Davidson & Co.