
First Commonwealth Financial Corporation
FCFNYSEFinancial ServicesBanks - Regional
Regular session
$21.005
−$0.085 · -0.40%
FCF company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
79
Undervalued
Momentum
50
Neutral
Sentiment
64
Bullish
Risk resilience
83
Low Risk
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Company profile
Company websiteFirst 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.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Thomas Michael Price
- Listed since
- Jun 9, 1992
- Employees
- 1,589
Market position
Day range
Current $21.005
52-week range
Current $21.005
- Open
- $21.08
- Previous close
- $21.09
- Volume
- 99.91K
- 0.13× average
- Average volume
- 754.31K
- Average daily volume
- Market cap
- 2.14B USD
- Beta
- 0.74
- Market reference 1
- 50-day average
- $20.7914
- +1.03% above average
- 200-day average
- $18.4308
- +13.97% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 2.08B USD
- P/E (TTM)
- 12.81×
- P/B (TTM)
- 1.36×
- P/S (TTM)
- 3.43×
- EV / EBITDA
- 10.18×
- Earnings yield
- 8.78%
- Free cash flow yield
- 9.88%
- Dividend yield
- 2.62%
Profitability & efficiency
- Gross margin
- 62.80%
- Operating margin
- 18.78%
- Net margin
- 27.04%
- Return on equity
- 9.80%
- Return on assets
- 1.23%
- Return on invested capital
- 1.28%
Financial health
- Debt / equity
- 0.17×
- Current ratio
- 0.37×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 729.44M USD | 699.69M USD | 626.61M USD | 428.66M USD | 400.6M USD |
| Cost of goods sold | 236.32M USD | 250.74M USD | 159.14M USD | 38.84M USD | 13.92M USD |
| Gross profit | 493.12M USD | 448.95M USD | 467.47M USD | 389.82M USD | 386.67M USD |
| Selling, general, and administrative | 94.61M USD | 160.8M USD | 154.84M USD | 133.93M USD | 127.02M USD |
| Operating expenses | 294.76M USD | 270.75M USD | 269.92M USD | 229.64M USD | 213.86M USD |
| Interest income | 630.67M USD | 598.41M USD | 526.99M USD | 329.08M USD | 293.32M USD |
| Interest expense | 206.6M USD | 221.57M USD | 144.32M USD | 17.73M USD | 15.3M USD |
| Depreciation and amortization | 6.32M USD | 5.69M USD | 4.1M USD | 10.55M USD | 11.44M USD |
| Operating income | 198.36M USD | 178.21M USD | 197.56M USD | 160.19M USD | 172.82M USD |
| Net income | 152.3M USD | 142.57M USD | 157.06M USD | 128.18M USD | 138.26M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 55%
- 6 beats, 4 misses, 1 met estimate
- Average EPS surprise
- +0.45%
- 11 comparable reports
- Latest EPS result
- 0.44
- Estimate 0.42 · Beat by 3.95%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$31.50
49.96% upsideCorporate actions
Corporate action history
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Nov 19, 1999 | 2:1 | — | — |
Stock split | Feb 11, 1994 | 2:1 | — | — |
Effective Nov 19, 1999
2:1
Effective Feb 11, 1994
2:1
FCF peers
ETFs holding FCF
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Small-Cap ETFIJR132.72M0.12%111.19B USD0.06%$146.72-0.40%
Vanguard Morningstar Total Stock Market ETFVTI66.15M0.00%2.3T USD0.03%$377.35-0.24%
iShares Russell 2000 ETFIWM54.87M0.07%81.62B USD0.19%$298.11-0.62%
Vanguard Morningstar Small-Cap ETFVB47.78M0.03%183.4B USD0.03%$302.62-0.70%
Vanguard Morningstar Small-Cap Value ETFVBR30.36M0.04%68.3B USD0.05%$248.08-0.44%
Avantis U.S. Small Cap Value ETFAVUV28.88M0.09%31.27B USD0.25%$125.84-0.48%
Vanguard Extended Market ETFVXF25.12M0.03%93.7B USD0.05%$243.34-0.89%
State Street SPDR S&P Regional Banking ETFKRE20.7M0.51%4.06B USD0.35%$74.76-0.13%
iShares Core S&P Small-Cap ETFIJR- Market value
- 132.72M
- Weight
- 0.12%
- AUM
- 111.19B USD
- Expense ratio
- 0.06%
- Price / 1D
- $146.72-0.40%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 66.15M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $377.35-0.24%
iShares Russell 2000 ETFIWM- Market value
- 54.87M
- Weight
- 0.07%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $298.11-0.62%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 47.78M
- Weight
- 0.03%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $302.62-0.70%
Vanguard Morningstar Small-Cap Value ETFVBR- Market value
- 30.36M
- Weight
- 0.04%
- AUM
- 68.3B USD
- Expense ratio
- 0.05%
- Price / 1D
- $248.08-0.44%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 28.88M
- Weight
- 0.09%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $125.84-0.48%
Vanguard Extended Market ETFVXF- Market value
- 25.12M
- Weight
- 0.03%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $243.34-0.89%
State Street SPDR S&P Regional Banking ETFKRE- Market value
- 20.7M
- Weight
- 0.51%
- AUM
- 4.06B USD
- Expense ratio
- 0.35%
- Price / 1D
- $74.76-0.13%
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