First Commonwealth Financial Corporation
FCF
NYSE·Financial Services·Banks - Regional·Mkt cap $2.2B
$21.34
▲ +0.85%
P/E
13.09
Mkt Cap
$2.2B
52-Wk Range
$15.00–$22.34
52-Week Range
$15.00 - $22.34
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 20.2% over the trailing year
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
1 risk
- Low volatility (beta 0.7).
Growth
Strong growth ahead
Expansion of commercial lending and business banking services in core markets
Value
Valued in line with Commercial Banking peers (1.0x).
Momentum
Strong
+11.3% over 3m
Quality
Excellent
High-growth business (39% revenue growth, 63% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.58% yield
Smart-money signal
Who's buying FCF right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 27, 2026
JUL 28, 2026
Reported EPS of $0.44 vs $0.42 consensus (+4.0% surprise). Revenue of $139.4M vs $137.5M expected (+1.4%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+4.0%
Revenue trend · last 8Q
—
+0%
+1%
+9%
+12%
+57%
+6%
-170%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$121.2M
$120.4M
$169.6M
$183.6M
$187.6M
$188.6M
$179.3M
-$127.7M
Margins · last 8Q
Gross
94.2%
Operating
35.7%
Profit
—
Wall Street consensus
3 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Raymond James · Jul 31, 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.
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