First Commonwealth Financial Corporation (FCF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First Commonwealth Financial Corporation (FCF) trades at $20.50 with AI Score 90/100 (Grade A+). First Commonwealth Financial Corporation is a financial holding company providing consumer and commercial banking services. Market cap: $2.08B, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for FCF: FCF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FCF against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
FCF: 5/7 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →First Commonwealth Financial Corporation (FCF) Financial Services Profile
First Commonwealth Financial Corporation (FCF) is a regional bank operating in Pennsylvania and Ohio, offering a suite of consumer and commercial banking services. With a market capitalization of $2.08B and a dividend yield of 2.94%, FCF focuses on community banking and wealth management solutions.
What Is the Investment Thesis for FCF?
First Commonwealth Financial Corporation presents a stable investment opportunity within the regional banking sector. With a market capitalization of $2.08B and a P/E ratio of 12.0, the company demonstrates consistent profitability, supported by a profit margin of 21.3%. A dividend yield of 2.94% offers an income stream for investors. Growth catalysts include expansion of digital banking services and strategic acquisitions within its geographic footprint. Potential risks involve interest rate sensitivity and regulatory compliance costs. The company's beta of 0.75 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
FCF Key Highlights
- Market capitalization of $2.08B indicates a strong regional presence.
- P/E ratio of 12.0 suggests a reasonable valuation relative to earnings.
- Profit margin of 21.3% demonstrates efficient operations and profitability.
- Gross margin of 67.8% reflects a healthy spread between revenue and cost of goods sold.
- Dividend yield of 2.94% provides an attractive income component for investors.
Who Are FCF's Competitors?
FCF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| PNC The PNC Financial Services Group, Inc. | $251.93 | +0.98% | $101.17B | 75 |
| KEY KeyCorp | $23.35 | +1.43% | $25.20B | 95 |
| HBAN Huntington Bancshares Incorporated | $17.89 | +0.17% | $36.27B | 68 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FCF's Key Strengths?
- Strong regional presence in core markets.
- Diversified product and service offerings.
- Experienced management team.
- Healthy profit margin of 21.3%.
What Are FCF's Weaknesses?
- Limited geographic diversification.
- Reliance on traditional banking model.
- Exposure to interest rate risk.
- Competition from larger national banks and fintech companies.
What Could Drive FCF Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Expansion of digital banking services to attract and retain customers.
- Strategic acquisitions to expand market presence and customer base.
What Are the Key Risks for FCF?
- Financial-distress signal — its Altman Z-Score of 0.37 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Pennsylvania and Ohio could negatively impact loan demand and credit quality.
- Increased competition from larger national banks and fintech companies.
- Regulatory compliance costs and potential fines.
- Cybersecurity threats and data breaches.
What Are the Growth Opportunities for FCF?
- Expansion of Digital Banking Services: First Commonwealth can capitalize on the growing demand for digital banking by enhancing its online and mobile platforms. Investing in user-friendly interfaces, secure transaction capabilities, and personalized financial tools can attract and retain customers. The digital banking market is projected to reach $9.0 trillion in transaction value by 2027, offering a significant growth opportunity for FCF to increase its market share and improve operational efficiency.
- Strategic Acquisitions: Pursuing strategic acquisitions of smaller community banks or credit unions within its geographic footprint can expand First Commonwealth's market presence and customer base. Acquisitions can also provide access to new products, services, and technologies. The regional banking sector is consolidating, creating opportunities for FCF to acquire undervalued assets and achieve economies of scale. Successful integration of acquired entities is crucial for realizing synergies and maximizing shareholder value.
- Wealth Management Services: Expanding its wealth management offerings, including financial planning, investment advisory, and trust services, can generate higher fee income and diversify revenue streams. Targeting high-net-worth individuals and families in its existing markets can leverage First Commonwealth's established relationships and brand reputation. The wealth management industry is experiencing growth, driven by an aging population and increasing demand for retirement planning services.
- Commercial Lending Growth: Focusing on expanding its commercial lending portfolio, particularly to small and medium-sized businesses (SMBs), can drive revenue growth and increase market share. Offering tailored financing solutions, such as term loans, lines of credit, and equipment financing, can attract SMB clients. The SMB lending market is underserved by larger banks, creating opportunities for First Commonwealth to build strong relationships and provide valuable financial support to local businesses.
- Cross-Selling Opportunities: Leveraging its existing customer base to cross-sell additional products and services can increase revenue per customer and improve customer loyalty. Promoting insurance products, brokerage services, and trust services to its banking clients can generate incremental revenue with minimal additional marketing costs. Effective cross-selling requires targeted marketing campaigns, employee training, and integrated technology platforms to identify and capitalize on customer needs.
What Opportunities Does FCF Have?
- Expansion of digital banking services.
- Strategic acquisitions of smaller banks.
- Growth in wealth management services.
- Increased commercial lending to SMBs.
What Threats Does FCF Face?
- Economic downturn in core markets.
- Rising interest rates.
- Increased regulatory scrutiny.
- Cybersecurity risks.
What Are FCF's Competitive Advantages?
- Strong regional presence in Pennsylvania and Ohio.
- Established relationships with local communities and businesses.
- Comprehensive range of banking and financial services.
- Experienced management team with local market expertise.
What Does FCF Do?
Founded in 1934 and headquartered in Indiana, Pennsylvania, First Commonwealth Financial Corporation has evolved into a comprehensive financial services provider. The company operates as a financial holding company, delivering a range of consumer and commercial banking services across western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio. First Commonwealth's consumer services include personal and interest-earning checking accounts, savings and health savings accounts, money market accounts, debit cards, certificates of deposit, and various loan products such as mortgage, installment, and real estate loans. They also provide safe deposit facilities, credit cards, credit lines, IRA accounts, and ATM services, complemented by internet, mobile, and telephone banking. On the commercial side, First Commonwealth offers commercial lending, business checking accounts, online account management, payroll direct deposits, commercial cash management services, and repurchase agreements. The company also provides trust and asset management services, insurance products, and brokerage services. As of December 31, 2021, First Commonwealth operated 118 community banking offices and 136 ATMs, with corporate banking centers in key cities and mortgage banking offices in strategic locations.
What Products and Services Does FCF Offer?
- Provides personal checking and savings accounts.
- Offers mortgage, installment, and real estate loans.
- Provides commercial lending services to businesses.
- Offers trust and asset management services.
- Provides auto, home, and business insurance.
- Offers annuities, mutual funds, and stock and bond brokerage services.
- Operates a network of community banking offices and ATMs.
How Does FCF Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as wealth management and brokerage.
- Profits from the spread between deposit interest paid and loan interest earned.
- Offers insurance products through brokers.
What Industry Does FCF Operate In?
First Commonwealth Financial Corporation operates within the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is also subject to stringent regulatory requirements and interest rate fluctuations. Market trends include a growing demand for digital banking services and personalized financial advice. First Commonwealth differentiates itself through its community-focused approach and strong presence in its core markets of Pennsylvania and Ohio. The regional banking sector is expected to see moderate growth, driven by economic expansion in local markets and increased lending activity.
Who Are FCF's Key Customers?
- Individual consumers seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- High-net-worth individuals seeking wealth management services.
- Customers in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio.
How First Commonwealth Financial Corporation Is Valued
First Commonwealth Financial Corporation carries a market capitalization of $2.08B, placing it in the mid-cap category. Relative to its peer group, FCF's quantitative score of 90/100 is above the peer average of 76/100.
Company Profile
First Commonwealth Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Indiana, US. The company is led by CEO Thomas Michael Price. FCF has traded publicly since 1992.
ROE 10%Key Financial Metrics
Return on equity for First Commonwealth Financial Corporation stands at 10.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.3%, showing how much profit it generates from its asset base. FCF trades at a trailing price-to-earnings ratio of 12.02, below the Financial Services sector average of ~18x. Its free cash flow yield is 9.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 4.39 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 7.4%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
First Commonwealth Financial Corporation's Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.37 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project First Commonwealth Financial Corporation revenue of about $556.6M for fiscal 2026, with EPS near $1.72. The estimate reflects 4 contributing analysts.
FCF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that executives believe the stock is undervalued.
- Community sentiment has shifted positively, with discussions highlighting the company's solid fundamentals and growth potential in the regional banking sector.
- Increased focus on community banking and personalized services aligns well with current market trends, enhancing First Commonwealth's appeal.
- Recent strategic partnerships and initiatives have positioned the company for potential growth, attracting attention from both investors and analysts.
Bear Case
- Concerns over rising interest rates have created uncertainty in the banking sector, leading some investors to question the sustainability of profit margins.
- Social sentiment reflects apprehension about potential economic downturns, which may impact loan growth and overall financial health.
- Increased competition from fintech companies is raising doubts about First Commonwealth's ability to maintain its market share and attract new customers.
- Recent regulatory changes have introduced challenges for regional banks, leading to cautious sentiment among investors regarding future profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FCF Latest News
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Earnings Scheduled For April 28, 2026
benzinga · Apr 28, 2026
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FCF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FCF.
Price Targets
Wall Street price target analysis for FCF.
FCF MoonshotScore
What does this score mean?
The MoonshotScore rates FCF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Thomas Michael Price
President and Chief Executive Officer
Thomas Michael Price serves as the President and Chief Executive Officer of First Commonwealth Financial Corporation. His career spans several decades in the financial services industry, with extensive experience in commercial banking, wealth management, and strategic planning. He has held various leadership positions at regional and national banks, focusing on driving growth, improving operational efficiency, and enhancing customer experience. Price holds a degree in Business Administration and is actively involved in community development initiatives.
Track Record: Under Thomas Michael Price's leadership, First Commonwealth Financial Corporation has focused on expanding its digital banking capabilities and strengthening its presence in key markets. He has overseen strategic acquisitions and initiatives to enhance the company's product offerings and improve customer satisfaction. Key milestones include achieving consistent profitability, increasing market share in commercial lending, and implementing innovative technology solutions.
What Investors Ask About First Commonwealth Financial Corporation (FCF) — Financial Services
What does First Commonwealth Financial Corporation do?
First Commonwealth Financial Corporation operates as a financial holding company, providing a comprehensive suite of banking and financial services to individuals and businesses. Its services include personal and commercial banking, wealth management, insurance, and brokerage services. The company operates through a network of community banking offices and ATMs in Pennsylvania and Ohio, focusing on building strong relationships with local communities and providing tailored financial solutions to meet their needs. First Commonwealth aims to deliver sustainable growth and shareholder value through its diversified business model and customer-centric approach.
What do analysts say about FCF stock?
Analyst coverage of First Commonwealth Financial Corporation (FCF) generally reflects a neutral to positive outlook, considering its stable regional presence and consistent profitability. Key valuation metrics, such as its P/E ratio of 12.0, suggest a reasonable valuation compared to its peers. Growth considerations include its expansion of digital banking services and strategic acquisitions. Investors should monitor interest rate sensitivity and regulatory compliance costs, as these factors can impact future performance. Analyst ratings and price targets vary, reflecting different perspectives on the company's growth potential and risk profile. This is not a recommendation to buy or sell shares.
What are the main risks for FCF?
First Commonwealth Financial Corporation faces several key risks, including economic downturns in its core markets of Pennsylvania and Ohio, which could negatively impact loan demand and credit quality. Increased competition from larger national banks and fintech companies poses a threat to its market share and profitability. Rising interest rates could compress net interest margins and reduce loan profitability. Regulatory compliance costs and potential fines represent an ongoing risk. Additionally, cybersecurity threats and data breaches could disrupt operations, damage its reputation, and result in financial losses. These risks require careful monitoring and proactive mitigation strategies to ensure long-term sustainability.
How sensitive is FCF to interest rate changes?
First Commonwealth Financial Corporation's profitability is sensitive to changes in interest rates. As a traditional bank, a significant portion of its revenue comes from the net interest margin, which is the difference between the interest income earned on loans and the interest expense paid on deposits. When interest rates rise, FCF's net interest margin may expand if it can reprice its loans faster than its deposits. Conversely, if interest rates fall, its net interest margin may contract. The company actively manages its interest rate risk through various strategies, including asset-liability management and hedging techniques, to mitigate the potential impact on its earnings.
What regulatory challenges does First Commonwealth Financial Corporation face?
First Commonwealth Financial Corporation operates in a highly regulated environment and faces numerous regulatory challenges. These include compliance with capital requirements, such as the Basel III framework, which mandates minimum levels of capital adequacy. The company must also adhere to regulations related to anti-money laundering (AML), consumer protection, and data privacy. Compliance with these regulations requires significant investment in technology, personnel, and training. Failure to comply with regulatory requirements can result in fines, penalties, and reputational damage, impacting its financial performance and long-term growth prospects. Staying abreast of evolving regulations and maintaining a robust compliance program are critical for mitigating these risks.
What are the key factors to evaluate for FCF?
First Commonwealth Financial Corporation (FCF) holds an AI score of 90/100 (high). P/E: 12.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FCF data refresh on this page?
FCF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FCF's recent stock price performance?
First Commonwealth Financial Corporation (FCF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in core markets. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-10.
- Financial metrics are based on the most recent available data.
- Analyst opinions and ratings are subject to change.