First Commonwealth Financial (FCF) Stock Price, News & Analysis

Company Overview

First Commonwealth Financial Corp. is a bank holding company based in Indiana, Pennsylvania, providing a broad range of banking and financial services through its subsidiary, First Commonwealth Bank. The company serves both individual and institutional clients across central and western Pennsylvania and eastern Ohio, operating a network of community banking centers alongside a growing digital platform. As a publicly traded entity on the New York Stock Exchange under the ticker symbol FCF, First Commonwealth Financial has built a reputation for stability and local market expertise.

First Commonwealth’s core business activities include consumer and commercial lending, deposit-taking, treasury and cash management, and wealth management services. Its product suite ranges from residential mortgages, home equity lines of credit and small-business loans to checking, savings and money market accounts. The company also offers specialized services in trust administration, investment advisory and insurance solutions, catering to both retail clients and corporate customers seeking integrated financial guidance.

With roots dating back to its founding in 1920, First Commonwealth Financial has grown through both organic expansion and selective acquisitions of community banks throughout its primary service areas. Over the decades, the company has invested in modernizing its digital banking capabilities, enabling seamless online account opening, mobile banking and remote deposit capture. This blend of traditional relationship banking and innovative technology platforms underscores its mission to deliver personalized service to a diverse client base.

First Commonwealth’s leadership team is led by its president and chief executive officer, supported by seasoned executives in finance, risk management and operations. Under their guidance, the company has emphasized prudent credit practices, efficient operations and community engagement. Its board of directors comprises experienced professionals with backgrounds in banking, real estate, healthcare and public service, reflecting First Commonwealth’s commitment to sound governance and community development.

Key Stats

• Today's Range: $16.31 to $16.72
• 50-Day Range: $15.29 to $17.26
• 52-Week Range: $13.54 to $19.96
• Volume: 879,455 shs
• Average Volume: 699,100 shs
• Market Capitalization: $1.75 billion
• P/E Ratio: 12.43
• Dividend Yield: 3.24%
• Price Target: $18.92
• Consensus Rating: Moderate Buy

First Commonwealth Financial Stock Analysis - MarketRank™

First Commonwealth Financial scored higher than 75% of companies evaluated by MarketBeat, and ranked 366th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

First Commonwealth Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 3 buy ratings, 3 hold ratings, and no sell ratings.

Amount of Analyst Coverage

First Commonwealth Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 8.28%

Earnings Growth

Earnings for First Commonwealth Financial are expected to grow by 8.28% in the coming year, from $1.45 to $1.57 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Commonwealth Financial is 12.45, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.71.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Commonwealth Financial is 12.45, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.09.

Price to Book Value per Share Ratio

First Commonwealth Financial has a P/B Ratio of 1.21. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.22% of the float of First Commonwealth Financial has been sold short.

Short Interest Ratio / Days to Cover

First Commonwealth Financial has a short interest ratio ("days to cover") of 5.

Change versus previous month

Short interest in First Commonwealth Financial has recently increased by 11.82%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

First Commonwealth Financial pays a meaningful dividend of 3.15%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Commonwealth Financial has been increasing its dividend for 9 years.

Dividend Coverage

The dividend payout ratio of First Commonwealth Financial is 40.30%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Commonwealth Financial will have a dividend payout ratio of 34.39% next year. This indicates that First Commonwealth Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

3.22% of the float of First Commonwealth Financial has been sold short.

Short Interest Ratio / Days to Cover

First Commonwealth Financial has a short interest ratio ("days to cover") of 5.

Change versus previous month

Short interest in First Commonwealth Financial has recently increased by 11.82%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 1.02

News Sentiment

First Commonwealth Financial has a news sentiment score of 1.02. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 11 news articles for First Commonwealth Financial this week, compared to 5 articles on an average week.

Search Interest

3 people have searched for FCF on MarketBeat in the last 30 days. This is an increase of 50% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, First Commonwealth Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $112,630.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 2.17% of the stock of First Commonwealth Financial is held by insiders.

Percentage Held by Institutions

72.58% of the stock of First Commonwealth Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FCF Stock Analysis - Frequently Asked Questions

How have FCF shares performed this year?

First Commonwealth Financial's stock was trading at $16.92 on January 1st, 2025. Since then, FCF stock has decreased by 1.5% and is now trading at $16.6650.

How were First Commonwealth Financial's earnings last quarter?

First Commonwealth Financial Corporation (NYSE:FCF) issued its quarterly earnings results on Tuesday, April, 29th. The bank reported $0.32 earnings per share (EPS) for the quarter, hitting analysts' consensus estimates of $0.32. The business's revenue was up 1.5% compared to the same quarter last year.
Read the conference call transcript.

Who are First Commonwealth Financial's major shareholders?

First Commonwealth Financial's top institutional shareholders include State of Alaska Department of Revenue (0.06%), Wealth Enhancement Advisory Services LLC (0.02%) and GAMMA Investing LLC. Insiders that own company stock include Ray T Charley, T Michael Price, Michael P Mccuen, Carrie L Riggle and Todd D Brice.
View institutional ownership trends.

How do I buy shares of First Commonwealth Financial?

Shares of FCF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Commonwealth Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Commonwealth Financial investors own include Tesla (TSLA), JPMorgan Chase & Co. (JPM), NVIDIA (NVDA), Advanced Micro Devices (AMD), Meta Platforms (META), Home Depot (HD) and Alphabet (GOOG).

Company Calendar

• Last Earnings: 4/29/2025
• Record date for 5/23 Dividend: 5/09/2025
• Ex-Dividend for 5/23 Dividend: 5/09/2025
• Dividend Payable: 5/23/2025
• Today: 7/16/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:FCF
• CIK: 712537
• Web: www.fcbanking.com
• Phone: (724) 349-7220
• Fax: 724-349-6427
• Employees: 1,545
• Year Founded: 1982

Price Target and Rating

• Average Price Target for First Commonwealth Financial: $18.92
• High Price Target: $21.50
• Low Price Target: $16.00
• Potential Upside/Downside: +13.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.34
• Trailing P/E Ratio: 12.40
• Forward P/E Ratio: 11.46
• P/E Growth: N/A
• Net Income: $142.57 million
• Net Margins: 19.68%
• Pretax Margin: 24.68%
• Return on Equity: 9.80%
• Return on Assets: 1.17%

Debt

• Debt-to-Equity Ratio: 0.18
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $699.69 million
• Price / Sales: 2.49
• Cash Flow: $1.42 per share
• Price / Cash Flow: 11.71
• Book Value: $13.81 per share
• Price / Book: 1.20

Miscellaneous

• Outstanding Shares: 104,940,000
• Free Float: 102,662,000
• Market Cap: $1.74 billion
• Optionable: Optionable
• Beta: 0.81