First Commonwealth Financial Corporation FCF R2K

Financial Services · Banks - Regional · United States

https://www.fcbanking.com

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company's consumer services include internet, mobile, and telephone banking; an automated teller machine network; personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.

Market & Price

Market Cap

$1.93B

Current Price

$18.94

High / Low (52W)

$18.94 / $14.82

Beta

0.74

Valuation

Stock P/E

12.46

Industry PE

12.01

Forward P/E

9.65

PEG Ratio

1.46

Book Value

$15.33

Price to Book

1.24

P/S

3.89

EV/EBITDA

Dividend Yield

2.96%

Profitability & Returns

ROCE

ROE

10.48%

ROA

1.31%

Profit Margin

31.70%

Op Margin

41.84%

EPS (Latest Qtr)

$0.37

EPS (TTM)

$1.52

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$210.01M

Total Assets

$12.34B

Current Assets

Working Capital

Ownership

Promoter Holding

1.71%

Chg in Prom Hold

FII / Inst Holding

78.94%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.77B

Total Revenue (TTM)

$495.72M

EBITDA

Free Cash Flow

Operating Cash Flow

$218.48M

Shares Outstanding

101.68M

Gross Margin

0.00%

Payout Ratio

35.53%

Growth (CAGR)

Revenue 5Y

8.36%

Profit 5Y

5.92%

Revenue (YoY)

9.10%

Earnings (YoY)

14.90%

PROS

Excellent profit margin of 31.7%.
Attractive dividend yield of 2.96%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FCF First Commonwealth Financial Corporation R2K	18.94	12.46	$1.93B	2.96%	-	10.48%	8.36%	5.92%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	118.02M	130.92M	135.98M	137.92M	133.56M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	51.61M	52.69M	51.59M	50.72M	48.24M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	41.04M	42.06M	51.82M	56.44M	47.23M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.34M	8.66M	10.49M	11.56M	9.69M
Net Income	5.82M	15.85M	12.30M	11.93M	12.50M	14.22M	13.45M	12.41M	12.47M	12.01M	17.20M	15.89M	14.01M	21.28M	23.27M	32.08M	25.15M	24.59M	27.28M	26.64M	4.73M	23.85M	19.19M	39.77M	29.62M	34.09M	27.73M	30.75M	33.97M	30.22M	42.78M	39.23M	37.55M	37.09M	32.09M	32.70M	33.40M	41.33M	44.88M	37.55M
Diluted EPS	0.06	0.16	0.13	0.13	0.13	0.16	0.15	0.14	0.14	0.14	0.19	0.18	0.14	0.22	0.24	0.32	0.25	0.25	0.28	0.27	0.05	0.24	0.20	0.41	0.31	0.36	0.29	0.33	0.36	0.30	0.42	0.38	0.37	0.36	0.31	0.32	0.32	0.39	0.43	0.37

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	410.93M	482.29M	478.12M	522.91M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	17.73M	144.32M	221.57M	206.60M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	160.19M	197.56M	178.21M	191.36M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	32.00M	40.49M	35.64M	39.06M
Net Income	-20.06M	22.98M	15.27M	41.95M	41.48M	44.45M	50.14M	59.59M	55.16M	107.50M	105.33M	73.45M	-	128.18M	157.06M	142.57M	152.30M
Diluted EPS	-0.24	0.25	0.15	0.40	0.43	0.48	0.56	0.67	0.58	1.08	1.07	0.75	-	1.37	1.54	1.39	1.47

Compounded Sales Growth

5 Years:	8.36%
1 Year:	9.10%

Compounded Profit Growth

5 Years:	5.92%
1 Year:	14.90%

Stock Price Performance

1 Year:	+25.16%
6 Months:	+15.93%
3 Months:	+8.86%
1 Month:	+3.88%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	5.81B	5.84B	6.00B	6.21B	6.36B	6.57B	6.68B	7.31B	7.83B	8.31B	9.07B	9.55B	9.81B	11.46B	11.58B	12.34B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	88.57M	89.56M	69.86M	78.48M	102.98M	77.44M	74.54M	69.45M	115.68M	107.29M	98.95M	121.86M	-	-	154.24M	146.99M	133.41M	180.36M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	5.06B	5.08B	5.25B	5.50B	5.64B	5.85B	5.93B	6.42B	6.85B	7.25B	8.00B	8.44B	8.75B	10.15B	10.18B	10.79B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	204.50M	207.41M	280.22M	216.55M	161.63M	81.48M	80.92M	87.92M	185.06M	234.18M	233.25M	182.27M	175.80M	181.86M	258.66M	258.02M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	466.22M	749.76M	317.99M	386.74M
Total Equity	652.78M	638.81M	749.78M	758.54M	746.01M	711.70M	716.14M	719.55M	749.93M	888.13M	975.39M	1.06B	1.07B	1.11B	1.05B	1.31B	1.41B	1.55B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	113.91M	123.60M	123.60M	126.60M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	57.23M	110.87M	84.12M	78.72M	85.73M	82.14M	72.75M	89.27M	88.31M	135.26M	107.63M	105.70M	-	151.41M	150.76M	129.46M	187.54M
Investing Cash Flow	-90.94M	542.63M	-79.96M	-171.38M	-307.28M	-164.06M	-142.43M	493.77M	-52.80M	-347.75M	122.94M	-483.14M	-	-588.79M	-574.27M	-121.72M	-388.23M
Financing Cash Flow	34.70M	-673.20M	4.46M	117.16M	196.00M	79.02M	64.60M	-536.82M	-43.89M	204.14M	-207.66M	612.16M	-	196.25M	416.26M	-21.32M	247.64M
Capital Expenditure	-6.66M	-4.89M	-8.32M	-10.18M	-9.63M	-10.98M	-4.89M	-7.49M	-11.59M	-9.60M	-17.38M	-7.62M	-	-11.21M	-22.03M	-15.55M	-16.09M
Free Cash Flow	50.58M	105.98M	75.80M	68.54M	76.10M	71.16M	67.86M	81.78M	76.71M	125.66M	90.25M	98.08M	-	140.21M	128.72M	113.92M	171.45M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-241.13M	-7.25M	-13.58M	46.95M
Share Buybacks	18.00K	9.00K	9.00K	36.24M	33.44M	30.96M	25.38M	864.00K	1.46M	26.19M	6.26M	20.91M	31.30M	15.60M	14.96M	12.63M	35.79M
Dividends Paid	29.68M	5.31M	12.56M	18.76M	22.34M	26.17M	25.09M	24.91M	30.51M	34.85M	39.39M	42.98M	43.61M	44.58M	50.81M	52.60M	55.49M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	31.2%	32.6%	29.8%	29.1%
ROE %	-3.1%	3.1%	2.0%	5.6%	5.8%	6.2%	7.0%	7.9%	6.2%	11.0%	10.0%	6.9%	-	12.2%	12.0%	10.1%	9.8%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.71%

Institutions

78.94%

Public Float

80.31%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.48%	14.73M	$278.92M
2	Dimensional Fund Advisors LP	6.25%	6.36M	$120.46M
3	Vanguard Portfolio Management LLC	6.12%	6.23M	$117.92M
4	State Street Corporation	4.84%	4.92M	$93.14M
5	Vanguard Capital Management LLC	4.34%	4.41M	$83.61M
6	Franklin Resources, Inc.	4.18%	4.25M	$80.41M
7	Fuller & Thaler Asset Management Inc.	2.68%	2.72M	$51.52M
8	Geode Capital Management, LLC	2.47%	2.51M	$47.53M
9	Mariner, LLC	2.02%	2.05M	$38.82M
10	American Century Companies Inc	1.66%	1.69M	$32.06M

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