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FCF

First Commonwealth Financial Corporation

FCF

NYSE·Financial Services·Banks - Regional·Mkt cap $2.1B

$20.33

-2.07%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$15.00 - $20.87

P/E

13.46

Fwd P/E

11.80

Beta

0.75

Div Yield

2.63%

Avg Vol

738.1K

Shares Out

102.2M

Mkt Cap

$2.1B

Price action

Price chart

Up 22.3% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

3 reasons

  • Established community banking network with 118 offices across Pennsylvania and Ohio since 1934
  • Comprehensive product suite including consumer banking, commercial lending, wealth management, and insurance services
  • Strong regional market presence and local relationship-based banking model in underserved mid-market communities

Bear Case

2 risks

  • Low volatility (beta 0.7).
  • Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.

Growth

Revenue decline expected

Expansion of commercial lending and business banking services in core markets

Value

Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.

Momentum

Strong

+16.1% over 3m

Quality

Excellent

High-growth business (39% revenue growth, 68% gross margin). Profitable with strong growth momentum.

Dividend

Solid

2.63% yield

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Jul 28, 2026

Q2 26 RECAP

APR 28, 2026

Reported EPS of $0.37 vs $0.40 consensus (-7.5% surprise). Revenue of $133.7M vs $134.3M expected (-0.5%).

EPS miss
Revenue miss

EPS surprise · last 4Q

0 of 1 beats

Q2 26

-7.5%

Next: Jul 28, 2026

Revenue trend · last 8Q

+0%

+1%

+9%

+12%

+57%

+6%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$120.1M

$121.2M

$120.4M

$169.6M

$183.6M

$187.6M

$188.6M

$179.3M

Margins · last 8Q

Gross

Operating

Profit

20.9%

Wall Street consensus

2 analysts · 50% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

1

50%

Hold

1

50%

Sell

0%

Median Price Target

Latest: Keefe, Bruyette & Woods · Jan 29, 2026

vs Industry

How FCF stacks vs Banks - Regional

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.