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

Company Overview

First Commonwealth Financial Corporation, headquartered in Indiana, Pennsylvania, is a bank holding company whose primary subsidiary is First Commonwealth Bank. Established in 1889 as Indiana National Bank, the company has grown through a combination of organic expansion and strategic acquisitions to build a diversified platform of commercial banking, retail banking and wealth management services.

First Commonwealth offers a comprehensive suite of financial products, including deposit accounts, personal and business lending solutions, mortgage origination and servicing, treasury management, and trust and investment services. The company tailors its offerings to meet the needs of individuals, small businesses, middle-market companies and nonprofit organizations, emphasizing personalized service through both its branch network and digital channels.

Operating in Pennsylvania, Ohio, West Virginia, Maryland, Kentucky and Florida, First Commonwealth leverages its regional presence to deliver local expertise and relationship-driven banking. The company maintains a focus on community engagement and economic development in the markets it serves, supporting growth through both traditional banking solutions and specialized financial guidance.

Key Stats

• Today's Range: $19.73 to $20.05
• 50-Day Range: $18.06 to $19.93
• 52-Week Range: $15.00 to $20.05
• Volume: 618,932 shs
• Average Volume: 814,487 shs
• Market Capitalization: $2.04 billion
• P/E Ratio: 13.26
• Dividend Yield: 2.80%
• Price Target: $20.33
• Consensus Rating: Moderate Buy

First Commonwealth Financial Stock Analysis - MarketRank™

First Commonwealth Financial scored higher than 71% of companies evaluated by MarketBeat, and ranked 414th out of 872 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: 1.6 / 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 no strong buy ratings, 3 buy ratings, 3 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for First Commonwealth Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

First Commonwealth Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 14.62%

Earnings Growth

Earnings for First Commonwealth Financial are expected to grow by 14.62% in the coming year, from $1.71 to $1.96 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Commonwealth Financial is 13.26, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.83.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Commonwealth Financial is 13.26, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.23.

Price to Book Value per Share Ratio

First Commonwealth Financial has a P/B Ratio of 1.34. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.58% 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 3.81, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Commonwealth Financial has recently increased by 4.25%, indicating that investor sentiment is decreasing.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

First Commonwealth Financial pays a meaningful dividend of 2.87%, 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 37.09%. 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 28.57% next year. This indicates that First Commonwealth Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.72

News Sentiment

First Commonwealth Financial has a news sentiment score of 0.72. 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 4 news articles for First Commonwealth Financial this week, compared to 3 articles on an average week.

Search Interest

Only 1 people have searched for FCF on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 2.2 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, First Commonwealth Financial insiders have sold 4,791.26% more of their company's stock than they have bought. Specifically, they have bought $18,580.00 in company stock and sold $908,796.00 in company stock.

Percentage Held by Insiders

1.90% 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.

Company Calendar

• Last Earnings: 4/28/2026
• Record date for 5/22 Dividend: 5/08/2026
• Ex-Dividend for 5/22 Dividend: 5/08/2026
• Dividend Payable: 5/22/2026
• Today: 6/23/2026
• Next Earnings (Estimated): 7/28/2026
• Fiscal Year End: 12/31/2026

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: 1,577
• Year Founded: 1982

Price Target and Rating

• Average Price Target for First Commonwealth Financial: $20.33
• High Price Target: $21.00
• Low Price Target: $20.00
• Potential Upside/Downside: +1.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.51
• Trailing P/E Ratio: 13.26
• Forward P/E Ratio: 11.71
• P/E Growth: N/A
• Net Income: $152.30 million
• Net Margins: 21.19%
• Pretax Margin: 26.64%
• Return on Equity: 10.56%
• Return on Assets: 1.32%

Debt

• Debt-to-Equity Ratio: 0.09
• Current Ratio: 0.93
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $729.51 million
• Price / Sales: 2.79
• Cash Flow: $1.63 per share
• Price / Cash Flow: 12.30
• Book Value: $14.98 per share
• Price / Book: 1.34

Miscellaneous

• Outstanding Shares: 101,680,000
• Free Float: 99,752,000
• Market Cap: $2.04 billion
• Optionable: Optionable
• Beta: 0.75