First Commonwealth Financial (FCF)

Currency in USD
21.02
+0.19(+0.91%)
Closed·
21.020.00(0.00%)
·
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Fair Value
Day's Range
20.8821.20
52 wk Range
15.0022.34
Key Statistics
Prev. Close
21.02
Open
21.06
Day's Range
20.88-21.2
52 wk Range
15-22.34
Volume
998.62K
Average Volume (3m)
868.65K
1-Year Change
35.9638%
Book Value / Share
14.74
Fair Value
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Fair Value Upside
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FCF Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
24.07
Upside
+14.52%
Members' Sentiments
Bearish
Bullish
ProTips
Has raised its dividend for 10 consecutive years
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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Buy
Technical Indicators
Strong Buy
Moving Averages
Strong Buy

Analyst Ratings

4 Buy
3 Hold
0 Sell
Ratings:
7 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 24.07
(+14.52% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
DA Davidson
Hold23.00+9.42%24.00MaintainOct 29, 2026
DA Davidson
Hold---New CoverageSep 28, 2026
Keefe, Bruyette & Woods
Hold24.00+14.18%21.00MaintainJul 31, 2026
RBC Capital
Buy24.00+14.18%23.00MaintainJul 30, 2026
Piper Sandler
Buy25.00+18.93%21.00MaintainJul 30, 2026

First Commonwealth Financial Earnings Call Summary for Q3/2026

  • Core EPS of $0.45 missed estimates by $0.01, while revenue of $143.04M beat forecasts; shares fell 1.86% to $20.63 in trading.
  • Net interest margin expanded to 4.11% from 4.01%, with deposit costs down 7 bps to 1.67%; Q4 margin guidance raised to 4.20%.
  • Provision expense hit record $14.2M due to three problem credits; management expects provisions to normalize below $10M quarterly going forward.
  • Bank repurchased $88M in stock and approved new $25M authorization; maintained mid-single-digit loan growth outlook for coming quarters.
  • Management projects margin expansion to mid-4.20% range in 2027 if rates stabilize, with energy tax credits reducing effective rate 1-2 points annually.
Last Updated: 2026-10-28, 02:58 p/m
Read Full Transcript

Earnings

Latest Release
Oct 27, 2026
EPS / Forecast
0.45 / 0.46
Revenue / Forecast
143.04M / 141.36M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 1.69
Dividend Yield
2.69%
Industry Median 2.87%
Annualized payout
0.56
Paid quarterly
5-Years Growth
+4.10%
Growth Streak

FCF Income Statement

Compare FCF to Peers and Sector

Metrics to compare
FCF
Peers
Sector
Relationship
P/E Ratio
11.8x12.6x9.2x
PEG Ratio
0.57−0.550.03
Price/Book
1.4x1.2x1.0x
Price / LTM Sales
4.0x3.9x2.8x
Upside (Analyst Target)
14.5%17.5%18.3%
Fair Value Upside
Unlock0.9%3.5%Unlock

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. The company also provides commercial banking services comprising 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. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.

Sector
Financial
Employees
1575

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
48.48M48.16%1.01B
Other Institutional Investors
32.14M31.93%669.53M
Public Companies & Retail Investors
20.04M19.91%417.43M
Total
100.66M100.00%2.1B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
BlackRock, Inc.14.76%14,860,944309,553
Dimensional Fund Advisors LP6.39%6,432,222133,983

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FAQ

What Is the First Commonwealth Financial (FCF) Stock Price Today?

The First Commonwealth Financial stock price today is 21.02 USD.

What Stock Exchange Does First Commonwealth Financial Trade On?

First Commonwealth Financial is listed and trades on the New York Stock Exchange.

What Is the Stock Symbol for First Commonwealth Financial?

The stock symbol for First Commonwealth Financial is "FCF."

Does First Commonwealth Financial Pay Dividends? What’s The Current Dividend Yield?

The First Commonwealth Financial dividend yield is 2.7%%.

What Is the First Commonwealth Financial Market Cap?

As of today, First Commonwealth Financial market cap is 2.03B USD.

What Is First Commonwealth Financial's Earnings Per Share (TTM)?

The First Commonwealth Financial EPS (TTM) is 1.69.

When Is the Next First Commonwealth Financial Earnings Date?

First Commonwealth Financial will release its next earnings report on Jan 26, 2027.

From a Technical Analysis Perspective, Is FCF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has First Commonwealth Financial Stock Split?

First Commonwealth Financial has split 3 times.

How Many Employees Does First Commonwealth Financial Have?

First Commonwealth Financial has 1575 employees.

What is the current trading status of First Commonwealth Financial (FCF)?

As of Oct 30, 2026, First Commonwealth Financial (FCF) is trading at a price of 21.02 USD, with a previous close of 21.02 USD. The stock has fluctuated within a day range of 20.88 USD to 21.20 USD, while its 52-week range spans from 15.00 USD to 22.34 USD.

What Is First Commonwealth Financial (FCF) Price Target According to Analysts?

The average 12-month price target for First Commonwealth Financial is 24.07 USD, with a high estimate of 25 USD and a low estimate of 23.5 USD. 4 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +14.52% Upside potential.

What Is the FCF Premarket Price?

FCF's last pre-market stock price is 20.92 USD. The pre-market share volume is 110.00, and the stock has decreased by 0.09, or 0.43%.
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