FCF Stock - First Commonwealth Financial Corporation
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $699.69M | $626.61M | $428.66M | $400.60M | $395.69M |
| Gross Profit | $448.95M | $467.47M | $389.82M | $386.67M | $306.03M |
| Gross Margin | 64.2% | 74.6% | 90.9% | 96.5% | 77.3% |
| Operating Income | $178.21M | $197.56M | $160.19M | $172.82M | $90.20M |
| Net Income | $142.57M | $157.06M | $128.18M | $138.26M | $73.45M |
| Net Margin | 20.4% | 25.1% | 29.9% | 34.5% | 18.6% |
| EPS | $1.40 | $1.55 | $1.37 | $1.47 | $0.76 |
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include 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, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. It also offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. As of December 31, 2021, the company operated 118 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio; corporate banking centers in Pittsburgh, Pennsylvania, as well as Columbus, Canton, and Cleveland, Ohio; and mortgage banking offices in Wexford, Pennsylvania, and Hudson, Westlake, as well as Lewis Center, Ohio. It also operates 136 automated teller machines. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 17th 2025 | Piper Sandler | Resumed | Overweight | $21 |
| July 29th 2024 | Janney | Downgrade | Neutral | $19← $16 |
| May 19th 2023 | Stephens | Upgrade | Overweight | $14 |
| February 21st 2023 | Raymond James | Downgrade | Market Perform | - |
| September 29th 2022 | Janney | Initiation | Buy | $16 |
| August 3rd 2022 | Stephens | Downgrade | Equal Weight | $15.5 |
| July 7th 2022 | Raymond James | Downgrade | Market Perform | - |
Earnings History & Surprises
FCFEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 27, 2026 | — | — | — | — |
Q1 2026 | Jan 27, 2026 | $0.41 | — | — | — |
Q4 2025 | Oct 28, 2025 | $0.41 | $0.39 | -4.9% | ✗ MISS |
Q3 2025 | Jul 29, 2025 | $0.34 | $0.38 | +11.8% | ✓ BEAT |
Q2 2025 | Apr 29, 2025 | $0.32 | $0.32 | 0.0% | = MET |
Q1 2025 | Jan 28, 2025 | $0.36 | $0.35 | -2.8% | ✗ MISS |
Q4 2024 | Oct 29, 2024 | $0.36 | $0.31 | -13.9% | ✗ MISS |
Q3 2024 | Jul 23, 2024 | $0.35 | $0.36 | +2.9% | ✓ BEAT |
Q2 2024 | Apr 23, 2024 | $0.36 | $0.37 | +2.8% | ✓ BEAT |
Q1 2024 | Jan 30, 2024 | $0.39 | $0.44 | +12.8% | ✓ BEAT |
Q4 2023 | Oct 24, 2023 | $0.40 | $0.38 | -5.0% | ✗ MISS |
Q3 2023 | Jul 25, 2023 | $0.41 | $0.42 | +2.4% | ✓ BEAT |
Q2 2023 | Apr 25, 2023 | $0.39 | $0.30 | -23.1% | ✗ MISS |
Q1 2023 | Jan 24, 2023 | $0.43 | $0.38 | -11.6% | ✗ MISS |
Q4 2022 | Oct 25, 2022 | $0.38 | $0.37 | -2.6% | ✗ MISS |
Q3 2022 | Jul 26, 2022 | $0.33 | $0.33 | 0.0% | = MET |
Q2 2022 | Apr 26, 2022 | $0.30 | $0.29 | -3.3% | ✗ MISS |
Q1 2022 | Jan 25, 2022 | $0.33 | $0.37 | +12.1% | ✓ BEAT |
Q4 2021 | Oct 26, 2021 | $0.32 | $0.36 | +12.5% | ✓ BEAT |
Q3 2021 | Jul 27, 2021 | $0.33 | $0.31 | -6.1% | ✗ MISS |
Latest News
Piper Sandler Assumes First Commonwealth at Overweight, Announces Price Target of $21
📈 PositiveFirst Commonwealth Financial Launches New $25M Share Repurchase Program
📈 PositiveFirst Commonwealth Q3 Adj. EPS $0.39 Misses $0.41 Estimate, Sales $135.960M Beat $135.767M Estimate
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