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FCFFirst Commonwealth Financial Corporation
$20.27$2.1B
Overview & Verdict
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FCF logoFirst Commonwealth Financial Corporation(FCF)Earnings, Financials & Key Ratios

FCF•NYSE•Banking & Credit
$20.27
13.8× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutFirst Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include 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, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. It also offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. As of December 31, 2021, the company operated 118 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio; corporate banking centers in Pittsburgh, Pennsylvania, as well as Columbus, Canton, and Cleveland, Ohio; and mortgage banking offices in Wexford, Pennsylvania, and Hudson, Westlake, as well as Lewis Center, Ohio. It also operates 136 automated teller machines. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.Show more
  • Net Interest Income$424M+12.5%
  • Total Revenue$729M+4.3%
  • Net Income$152M+6.8%
  • Return on Equity10.29%-1.8%
  • Net Interest Margin3.43%+5.4%
  • Efficiency Ratio40.41%+4.4%
  • ROA1.27%+2.8%
  • Equity / Assets12.57%+3.6%
  • Book Value per Share15.00+9.1%

FCF Price & Volume

First Commonwealth Financial Corporation (FCF) stock price & volume — 10-year historical chart

Loading chart...

Stable Margin Performance Amidst Securities Portfolio Concentration

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Securities portfolio duration sensitivity

Key Thesis Takeaways

  • First Commonwealth Financial demonstrates resilient net interest income growth, which reached $113.2 million in 2025Q4, supported by disciplined expense management and a consistent 0.9% net interest margin.
  • While the bank maintains a healthy capital base with an equity-to-assets ratio of 0.13, the heavy concentration of over 90% of assets in investment securities introduces significant duration risk.
  • Investors should monitor the recent shift toward a $10.7 million loan loss provision in 2026Q1, which may indicate emerging credit quality concerns in the regional portfolio.

Verdict Logic

while the bank offers a 2.6% dividend yield and a PEG ratio of 0.97, the high concentration of assets in securities warrants caution regarding potential interest rate sensitivity.

FCF Growth Metrics

First Commonwealth Financial Corporation (FCF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years10.64%
5 Years13.01%
3 Years19.39%
TTM-

Profit CAGR

10 Years11.75%
5 Years15.7%
3 Years5.92%
TTM14.11%

EPS CAGR

10 Years10.13%
5 Years14.41%
3 Years2.38%
TTM12.69%

Return on Capital

10 Years9.76%
5 Years9.76%
3 Years8.6%
Last Year2.85%

FCF Recent Earnings

First Commonwealth Financial Corporation (FCF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$0.37-7.5%
$0.40
Rev
$134M-0.5%
$134M
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$0.43+4.9%
$0.41
Rev
$138M+1.6%
$136M
Q4 2025
Oct 28, 2025
Metric
Actual
Est
EPS
$0.39-4.9%
$0.41
Rev
$136M-1.5%
$138M
Q3 2025
Jul 29, 2025
Metric
Actual
Est
EPS
$0.38+11.8%
$0.34
Rev
$131M-2.3%
$134M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.37vs $0.40-7.5%
$134Mvs $134M-0.5%
Q1 2026Jan 27, 2026
$0.43vs $0.41+4.9%
$138Mvs $136M+1.6%
Q4 2025Oct 28, 2025
$0.39vs $0.41-4.9%
$136Mvs $138M-1.5%
Q3 2025Jul 29, 2025
$0.38vs $0.34+11.8%
$131Mvs $134M-2.3%
Based on last 12 quarters of dataView full earnings history →

Latest FCF News

Recent stock market news and headlines for First Commonwealth Financial Corporation (FCF)

Seeking Alpha·3 days ago
Puig Brands: Attractive Luxury Brand At A Single-Digit EBITDA Multiple

Puig Brands remains attractive post-Estee Lauder M&A talks, with a robust portfolio and improving fundamentals. PUIG reported a 2025 net profit of €594M, EPS of €1.05, and free cash flow of €570M, supporting a 6.5% FCF yield. Low net leverage (0.35x EBITDA) and a disciplined 40% payout ratio position PUIG for further debt reduction and rising FCF per share.

Seeking Alpha·6 days ago
B2Gold: Big Cash Flow Is Coming - Here's What Has To Go Right First

B2Gold Corp. is positioned for potential multi-year FCF growth, targeting a 21% FCF/EV yield by 2028. The upside scenario hinges on four key events: a Mali permit, Goose Mine upgrades, prepayment rolloff, and Gramalote deferral. I initiate BTG with a Buy rating.

GuruFocus·Jun 26, 2026
FERG Fairly Valued by DCF at $220

On June 26, 2026, we present a DCF analysis for Ferguson Enterprises Inc (FERG), a company that has shown a solid price performance with a year-to-date increase

GuruFocus·Jun 24, 2026
AON DCF Analysis: Intrinsic Value $387 vs Price $321

On June 24, 2026, we delve into the DCF analysis for Aon PLC (AON), a company currently facing a challenging price performance with a year-to-date decline of 8.

GuruFocus·Jun 24, 2026
Is NSC Overvalued? DCF Says Worth $155

On June 24, 2026, we present a DCF analysis for Norfolk Southern Corp (NSC), which has shown a price performance of +20.4% over the past year, despite a recent

Peers Comparison

Key metrics vs top competitors for First Commonwealth Financial Corporation (FCF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FCF logoFCFFirst Commonwealth Financial CorporationCurrent
$20.27$2.06B13.794.25%20.88%10.29%2.64%
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
FULT logoFULTFulton Financial Corporation
$24.23$4.63B11.655.03%20.93%11.45%—
WSFS logoWSFSWSFS Financial Corporation
$76.24$3.97B14.98-3.05%22.64%11.38%—
PFIS logoPFISPeoples Financial Services Corp.
$67.05$671.23M11.4022.26%20.68%11.5%—
FNB logoFNBF.N.B. Corporation
$18.87$6.72B12.104.94%21.63%8.77%—

Compare FCF vs Peers

First Commonwealth Financial Corporation (FCF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for FCF.

Scale Benchmark

vs V

Larger-name benchmark to compare FCF against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, FULT, WSFS, PFIS

FCF SEC Filings & Documents

First Commonwealth Financial Corporation (FCF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 1, 2026·SEC

Material company update

Apr 28, 2026·SEC

Material company update

Apr 15, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 2, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 11, 2026·SEC

FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 11, 2025·SEC

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FCF Frequently Asked Questions

First Commonwealth Financial Corporation (FCF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is First Commonwealth Financial Corporation growing?

First Commonwealth Financial Corporation (FCF) grew revenue by 4.3% over the past year. Growth has been modest.

Is FCF profitable?

Yes, First Commonwealth Financial Corporation (FCF) is profitable, generating $157.2M in net income for fiscal year 2025 (20.9% net margin).

Dividend & Returns
Does FCF pay dividends?

Yes, First Commonwealth Financial Corporation (FCF) pays a dividend with a yield of 2.64%. This makes it attractive for income-focused investors.

What is FCF's return on equity?

First Commonwealth Financial Corporation (FCF) has a return on equity (ROE) of 10.3%. This is reasonable for most industries.

Industry Metrics
What is First Commonwealth Financial Corporation's net interest margin?

First Commonwealth Financial Corporation (FCF) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.

What is First Commonwealth Financial Corporation's efficiency ratio?

First Commonwealth Financial Corporation (FCF) has an efficiency ratio of 40.4%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FCF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →