First Commonwealth Financial Corporation logo

First Commonwealth Financial Corporation

FCF

NYSEFinancial ServicesBanks - Regional

Regular session

$21.005

−$0.085 · -0.40%

Aug 24, 12:49 PM ET

FCF company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

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.

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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%74%43%13%Gross margin, FY2021: 96.52%Gross margin, FY2022: 90.94%Gross margin, FY2023: 74.60%Gross margin, FY2024: 64.16%Gross margin, FY2025: 67.60%Operating margin, FY2021: 43.14%Operating margin, FY2022: 37.37%Operating margin, FY2023: 31.53%Operating margin, FY2024: 25.47%Operating margin, FY2025: 27.19%Net margin, FY2021: 34.51%Net margin, FY2022: 29.90%Net margin, FY2023: 25.07%Net margin, FY2024: 20.38%Net margin, FY2025: 20.88%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 96.52%. Gross margin FY2022 90.94%. Gross margin FY2023 74.60%. Gross margin FY2024 64.16%. Gross margin FY2025 67.60%. Operating margin FY2021 43.14%. Operating margin FY2022 37.37%. Operating margin FY2023 31.53%. Operating margin FY2024 25.47%. Operating margin FY2025 27.19%. Net margin FY2021 34.51%. Net margin FY2022 29.90%. Net margin FY2023 25.07%. Net margin FY2024 20.38%. Net margin FY2025 20.88%.

Income trends

Revenue

729.44M USD+4.25%

Operating income

198.36M USD+11.31%

Net income

152.3M USD+6.82%
Income trends across reported periods789.57M USD549.06M USD308.56M USD68.06M USDRevenue, FY2021: 400.6M USDRevenue, FY2022: 428.66M USDRevenue, FY2023: 626.61M USDRevenue, FY2024: 699.69M USDRevenue, FY2025: 729.44M USDOperating income, FY2021: 172.82M USDOperating income, FY2022: 160.19M USDOperating income, FY2023: 197.56M USDOperating income, FY2024: 178.21M USDOperating income, FY2025: 198.36M USDNet income, FY2021: 138.26M USDNet income, FY2022: 128.18M USDNet income, FY2023: 157.06M USDNet income, FY2024: 142.57M USDNet income, FY2025: 152.3M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 400.6M USD. Revenue FY2022 428.66M USD. Revenue FY2023 626.61M USD. Revenue FY2024 699.69M USD. Revenue FY2025 729.44M USD. Operating income FY2021 172.82M USD. Operating income FY2022 160.19M USD. Operating income FY2023 197.56M USD. Operating income FY2024 178.21M USD. Operating income FY2025 198.36M USD. Net income FY2021 138.26M USD. Net income FY2022 128.18M USD. Net income FY2023 157.06M USD. Net income FY2024 142.57M USD. Net income FY2025 152.3M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue729.44M USD699.69M USD626.61M USD428.66M USD400.6M USD
Cost of goods sold236.32M USD250.74M USD159.14M USD38.84M USD13.92M USD
Gross profit493.12M USD448.95M USD467.47M USD389.82M USD386.67M USD
Selling, general, and administrative94.61M USD160.8M USD154.84M USD133.93M USD127.02M USD
Operating expenses294.76M USD270.75M USD269.92M USD229.64M USD213.86M USD
Interest income630.67M USD598.41M USD526.99M USD329.08M USD293.32M USD
Interest expense206.6M USD221.57M USD144.32M USD17.73M USD15.3M USD
Depreciation and amortization6.32M USD5.69M USD4.1M USD10.55M USD11.44M USD
Operating income198.36M USD178.21M USD197.56M USD160.19M USD172.82M USD
Net income152.3M USD142.57M USD157.06M USD128.18M USD138.26M 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

ActualEstimate
Quarterly EPS actual values compared with estimates0.490.420.350.28Q1 '25MissQ2 '25MetQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 0.35, estimate 0.36, surprise -2.78%, Miss. Q2 2025, reported Apr 29, 2025: actual 0.32, estimate 0.32, surprise 0.00%, Met estimate. Q3 2025, reported Jul 29, 2025: actual 0.38, estimate 0.34, surprise +11.76%, Beat. Q4 2025, reported Oct 28, 2025: actual 0.39, estimate 0.41, surprise -4.88%, Miss. Q1 2026, reported Jan 27, 2026: actual 0.43, estimate 0.41, surprise +4.88%, Beat. Q2 2026, reported Apr 28, 2026: actual 0.37, estimate 0.423, surprise -12.59%, Miss. Q3 2026, reported Jul 28, 2026: actual 0.44, estimate 0.423, surprise +3.95%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 0.45, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates147.02M135.47M123.92M112.37MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 120.42M USD, estimate 119.92M USD, surprise +0.41%, Beat. Q2 2025, reported Apr 29, 2025: actual 118.02M USD, estimate 121.28M USD, surprise -2.69%, Miss. Q3 2025, reported Jul 29, 2025: actual 130.92M USD, estimate 134M USD, surprise -2.30%, Miss. Q4 2025, reported Oct 28, 2025: actual 135.98M USD, estimate 138M USD, surprise -1.46%, Miss. Q1 2026, reported Jan 27, 2026: actual 137.82M USD, estimate 135.63M USD, surprise +1.62%, Beat. Q2 2026, reported Apr 28, 2026: actual 133.7M USD, estimate 134.32M USD, surprise -0.46%, Miss. Q3 2026, reported Jul 28, 2026: actual 139.42M USD, estimate 137.48M USD, surprise +1.41%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 141.37M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$31.50

49.96% upside
Past 12 months12-month forecastHigh $48.00Average $31.50Low $24.00

Corporate actions

Corporate action history

Stock split

Effective Nov 19, 1999

2:1

Stock split

Effective Feb 11, 1994

2:1

FCF peers

ETFs holding FCF

Funds reporting this stock among their holdings, ordered by reported position size.

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