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

Company Overview

First Commonwealth Financial Corporation (NYSE: FCF) is a bank holding company headquartered in Indiana, Pennsylvania. Through its principal subsidiary, First Commonwealth Bank, the company provides community banking and financial services to individuals, businesses, and institutions.

Its offerings include checking and savings accounts, certificates of deposit, residential and commercial mortgages, consumer loans, commercial lending, and other credit products. First Commonwealth also provides wealth management, trust, investment, and insurance services through affiliated and specialized business lines.

The company serves customers through banking locations and digital channels in western and central Pennsylvania and eastern Ohio. First Commonwealth traces its banking operations to the Indiana, Pennsylvania, area and has expanded its regional presence through organic growth and acquisitions over time.

Key Stats

• Today's Range: $19.86 to $20.05
• 50-Day Range: $19.83 to $21.90
• 52-Week Range: $15.00 to $22.34
• Volume: 594,261 shs
• Average Volume: 1.16 million shs
• Market Capitalization: $2.01 billion
• P/E Ratio: 12.21
• Dividend Yield: 2.81%
• Price Target: $24.20
• Consensus Rating: Moderate Buy

First Commonwealth Financial Stock Analysis - MarketRank™

First Commonwealth Financial scored higher than 96% of companies evaluated by MarketBeat, and ranked 86th out of 853 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: 4.1 / 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 2.67, and is based on no strong buy ratings, 4 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

First Commonwealth Financial has a consensus price target of $24.20, representing about 21.6% upside from its current price of $19.90.

Amount of Analyst Coverage

First Commonwealth Financial has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 13.37%

Earnings Growth

Earnings for First Commonwealth Financial are expected to grow by 13.37% in the coming year, from $1.72 to $1.95 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Commonwealth Financial is 12.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.79.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Commonwealth Financial is 12.21, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.73.

Price to Book Value per Share Ratio

First Commonwealth Financial has a P/B Ratio of 1.33. 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

4.73% 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 3.95, 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 21.13%, 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 2.82%, 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 34.36%. 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 28.72% next year. This indicates that First Commonwealth Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.79

News Sentiment

First Commonwealth Financial has a news sentiment score of 0.79. 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 is a higher news sentiment than the 0.63 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 11 news articles for First Commonwealth Financial this week, compared to 4 articles on an average week.

Company Ownership

• Score: 1.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, First Commonwealth Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $131,821.00 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: 7/28/2026
• Record date for 8/21 Dividend: 8/07/2026
• Ex-Dividend for 8/21 Dividend: 8/07/2026
• Dividend Payable: 8/21/2026
• Today: 10/10/2026
• Next Earnings (Estimated): 10/27/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Banks
• 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: $24.20
• High Price Target: $25.00
• Low Price Target: $24.00
• Potential Upside/Downside: +21.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.63
• Trailing P/E Ratio: 12.21
• Forward P/E Ratio: 11.57
• P/E Growth: N/A
• Net Income: $152.30 million
• Net Margins: 22.62%
• Pretax Margin: 28.45%
• Return on Equity: 10.79%
• Return on Assets: 1.37%

Debt

• Debt-to-Equity Ratio: 0.08
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $729.51 million
• Price / Sales: 2.76
• Cash Flow: $1.59 per share
• Price / Cash Flow: 12.53
• Book Value: $14.98 per share
• Price / Book: 1.33

Miscellaneous

• Outstanding Shares: 101,060,000
• Free Float: 99,136,000
• Market Cap: $2.01 billion
• Optionable: Optionable
• Beta: 0.76