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: $18.55 to $18.83
• 50-Day Range: $16.67 to $18.92
• 52-Week Range: $15.00 to $19.14
• Volume: 798,986 shs
• Average Volume: 742,369 shs
• Market Capitalization: $1.90 billion
• P/E Ratio: 12.33
• Dividend Yield: 2.90%
• Price Target: $20.33
• Consensus Rating: Moderate Buy

First Commonwealth Financial Stock Analysis - MarketRank™

First Commonwealth Financial scored higher than 81% of companies evaluated by MarketBeat, and ranked 311th out of 879 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: 2.0 / 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 received no research coverage 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 12.33, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.47.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Commonwealth Financial is 12.33, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.16.

Price to Book Value per Share Ratio

First Commonwealth Financial has a P/B Ratio of 1.23. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.19% 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 2.8, 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 decreased by 0.74%, indicating that investor sentiment is improving.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

First Commonwealth Financial pays a meaningful dividend of 2.90%, 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 35.76%. 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 27.55% next year. This indicates that First Commonwealth Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 0.62

News Sentiment

First Commonwealth Financial has a news sentiment score of 0.62. 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 17 news articles for First Commonwealth Financial this week, compared to 3 articles on an average week.

Search Interest

1 people have searched for FCF on MarketBeat in the last 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 4,251.21% more of their company's stock than they have bought. Specifically, they have bought $18,580.00 in company stock and sold $808,454.00 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.

FCF Stock Analysis - Frequently Asked Questions

How have FCF shares performed this year?

First Commonwealth Financial's stock was trading at $16.86 at the start of the year. Since then, FCF shares have increased by 10.4% and is now trading at $18.6150.

How were First Commonwealth Financial's earnings last quarter?

First Commonwealth Financial Corporation (NYSE:FCF) issued its quarterly earnings data on Tuesday, April, 28th. The bank reported $0.37 earnings per share for the quarter, missing analysts' consensus estimates of $0.40 by $0.03. First Commonwealth Financial's quarterly revenue was up 12.9% compared to the same quarter last year.
Read the conference call transcript.

Is First Commonwealth Financial buying back stock?

First Commonwealth Financial's Board of Directors initiated a stock repurchase program on Monday, December 1st 2025, which permits the company to buy back $25,000,000 in shares, according to EventVestor. This means that the company could reacquire up to 1.5% of its stock through open market purchases. Stock buyback programs are typically an indication that the company's board of directors believes its shares are undervalued.

Who are First Commonwealth Financial's major shareholders?

First Commonwealth Financial's top institutional shareholders include Bank of New York Mellon Corp (1.06%), Bartlett & CO. Wealth Management LLC (0.76%), Principal Financial Group Inc. (0.49%) and Y Intercept Hong Kong Ltd (0.10%). Insiders that own company stock include Ray T Charley, Jane Grebenc, James R Reske, Michael P Mccuen, Norman J Montgomery, 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

• Record date for 2/20 Dividend: 2/06/2026
• Ex-Dividend for 2/20 Dividend: 2/06/2026
• Dividend Payable: 2/20/2026
• Last Earnings: 4/28/2026
• Today: 5/07/2026
• Record date for 5/22 Dividend: 5/08/2026
• Ex-Dividend for 5/22 Dividend: 5/08/2026
• Dividend Payable: 5/22/2026
• 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: +9.2%
• 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: 12.33
• Forward P/E Ratio: 10.89
• 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: 2.61
• Cash Flow: $1.59 per share
• Price / Cash Flow: 11.72
• Book Value: $15.19 per share
• Price / Book: 1.23

Miscellaneous

• Outstanding Shares: 102,210,000
• Free Float: 100,264,000
• Market Cap: $1.90 billion
• Optionable: Optionable
• Beta: 0.75