First Commonwealth Financial Corporation (FCF)

NYQ – Real Time Price. Currency in USD

20.53

+0.08 (0.39%)

At close: Jun 26, 2026, 4:00 PM EDT

20.53

-0.00 (-0.00%)

After-hours: Jun 26, 2026, 5:05 PM EDT

Stock details

Previous close: 20.45$
Day's range: 20.18 - 20.47$
52-week range: 15 - 20.47$
Volume: 571 843
Average volume: 759 263
Beta: 0.43
EPS (TTM): 1.52
PE ratio (TTM): 13.49
Forward P/E: 11.87
Market cap: 2 079 447 200
Shares outstanding: 101 684 460
Dividend yield: $2.67 (2.67%)
Next earnings date: 2026-07-28
Sector: Financials
Industry: Banks - Regional

About the company

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, in... read more

CEO: Thomas Price
Country: United States
IPO Date
Employees: 1592
Fiscal Year End: January - December
Website: https://www.fcbanking.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: FCF

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Overall Score

5.2 / 1052%

Financial Strength

Profitability

6.4

Effectiveness

Growth

6.7

Forecast

6.8

Valuation

4.2

Dividend

6.3

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $196.2M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.1) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $82.5M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.08	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.13	0.05	9.0
Debt to Assets	0.02	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	429M	626M	699M	730M	742M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	165M	211M	184M	199M	206M
Net Income	128M	157M	143M	152M	157M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	36.57	0.44	10
Net margin %	28.16	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	47.81	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.22	1.46	3.0
ROE	9.95	14.94	6.0
ROIC	8.57	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	4.65	32.81	7.0
Next quarter	4.12	17.09	6.5
Current year	6.29	17.23	7.0
Next year	6.4	13.93	6.5
Weighted average score			6.8

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-3.84	-16.32	-13.94	66.59	3.3
Y/Y	6.73	14.84	15.63	62.14	8.0
3y average	20.7	6.71	2.81	10.97	6.5
5y average	13.93	20.22	19.12	13.54	8.8
Weighted average score					6.7

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	13.45	11.16	5.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.94	3.37	4.0
P/B	1.34	1.53	6.0
Weighted average score			4.2

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR7.15%

FCF 5 year CAGR4

Fair value25.14$

Stock price20.48$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.07	3.07	8.0
Payout ratio	30.51	30.51	5.0
5-year dividend growth rate	3.99	3.99	5.0
Years of dividend increase	9.00	9.00	7.0
Weighted average score			6.3

Fair Value

$25.14

UndervaluedStock priceOvervalued

$20.48

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Thomas Price

Country

United States

IPO Date

Employees

1592

Fiscal Year End

January - December

Website

https://www.fcbanking.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.08

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.13

0.05

9.0

Debt to Assets

0.02

0.09

9.0

Interest coverage

N/A

Weighted average score

6.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

429M

626M

699M

730M

742M

Gross Profit

N/A

Operating Income

165M

211M

184M

199M

206M

Net Income

128M

157M

143M

152M

157M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

36.57

0.44

Net margin %

28.16

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

47.81

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.22

1.46

3.0

ROE

9.95

14.94

6.0

ROIC

8.57

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

4.65

32.81

7.0

Next quarter

4.12

17.09

6.5

Current year

6.29

17.23

7.0

Next year

6.4

13.93

6.5

Weighted average score

6.8

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-3.84

-16.32

-13.94

66.59

3.3

Y/Y

6.73

14.84

15.63

62.14

8.0

3y average

20.7

6.71

2.81

10.97

6.5

5y average

13.93

20.22

19.12

13.54

8.8

Weighted average score

6.7

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

13.45

11.16

5.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.94

3.37

4.0

P/B

1.34

1.53

6.0

Weighted average score

4.2

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.07

8.0

Payout ratio

30.51

5.0

5-year dividend growth rate

3.99

5.0

Years of dividend increase

9.00

7.0

Weighted average score

6.3

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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First Commonwealth Financial Corporation (FCF)

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First Commonwealth Financial Corporation (FCF)

Stock details

About the company

Revenue Breakdown

News

Chart: FCF

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$25.14

$20.48

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: FCF

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$25.14

$20.48

Economic Moat