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First Commonwealth Financial Corporation FCF R2K

Financial Services · Banks - Regional · United States
https://www.fcbanking.com
Company Profile ↓
$20.42
+22.83% 1Y
Mkt Cap$2.08B
P/E13.43
P/B1.30
Div. Yield2.81%
52W High$20.76
52W Low$14.94
Book Value$15.33
EPS (TTM)$1.52

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 15.7% per year over the last five years.

Reasonable Valuation

Trades at an undemanding P/E of 13.4.

Healthy Margins

Maintains a net profit margin of 31.7%.

Dividend Income

Offers a dividend yield of 2.81%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +9.1%, earnings +14.9%.
  • 5-Year Trend Long-term compounding — profit CAGR 15.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:9.10%

Compounded Profit Growth

5 Years:15.70%
1 Year:14.90%

Stock Price Performance

1 Year:+22.83%
6 Months:+20.06%
3 Months:+9.27%
1 Month:+4.18%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 94% of range
$14.94 $20.76
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)60.56 · Neutral
Price Performance
1M+4.18%
3M+9.27%
6M+20.06%
1Y+22.83%
Valuation vs Sector

P/E of 13.43 is above the sector median of 13.30 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 31.7%.
  • Profit CAGR of 15.7% over 5 years.
  • Attractive dividend yield of 2.81%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
13.43
Industry PE
13.30
Forward P/E
10.40
PEG Ratio
1.46
Book Value
$15.33
Price to Book
1.30
P/S
4.08
EV/EBITDA
-
Dividend Yield
2.81%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
15.70%
Revenue (YoY)
9.10%
Earnings (YoY)
14.90%

Profitability & Returns

ROCE
-
ROE
10.48%
ROA
1.31%
Profit Margin
31.70%
Op Margin
41.84%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.37
EPS (TTM)
$1.52

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$210.01M
Total Assets
$12.26B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.70%
Chg in Prom Hold
-
FII / Inst Holding
78.90%
Chg in FII Hold
-0.06%

Financial Snapshot

Enterprise Value
$2.08B
Total Revenue (TTM)
$495.72M
EBITDA
-
Free Cash Flow
$171.45M
Operating Cash Flow
$218.48M
Shares Outstanding
101.68M
Gross Margin
0.00%
Payout Ratio
35.53%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FCF First Commonwealth Financial Corporation R2K 20.42 13.43 $2.08B 2.81% - 10.48% - 15.70%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 10.55M5.82M15.85M12.30M11.93M12.50M14.22M13.45M12.41M12.47M12.01M17.20M15.89M14.01M21.28M23.27M32.08M25.15M24.59M27.28M26.64M4.73M23.85M19.19M39.77M29.62M34.09M27.73M30.75M33.97M30.22M42.78M39.23M37.55M37.09M32.09M32.70M33.40M41.33M37.55M
Diluted EPS 0.110.060.160.130.130.130.160.150.140.140.140.190.180.140.220.240.320.250.250.280.270.050.240.200.410.310.360.290.330.360.300.420.380.370.360.310.320.320.390.37

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income -20.06M22.98M15.27M41.95M41.48M44.45M50.14M59.59M55.16M107.50M105.33M73.45M138.26M128.18M157.06M142.57M152.30M
Diluted EPS -0.240.250.150.400.430.480.560.670.581.081.070.751.441.371.541.391.47

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --5.81B5.84B6.00B6.21B6.36B6.57B6.68B7.31B7.83B8.31B9.07B9.55B9.81B11.46B11.58B12.34B
Total Equity 652.78M638.81M749.78M758.54M746.01M711.70M716.14M719.55M749.93M888.13M975.39M1.06B1.07B1.11B1.05B1.31B1.41B1.55B
Cash & Equivalents 88.57M89.56M69.86M78.48M102.98M77.44M74.54M69.45M115.68M107.29M98.95M121.86M------
Long Term Debt --204.50M207.41M280.22M216.55M161.63M81.48M80.92M87.92M185.06M234.18M233.25M182.27M----
Total Liabilities --5.06B5.08B5.25B5.50B5.64B5.85B5.93B6.42B6.85B7.25B8.00B8.44B8.75B10.15B10.18B10.79B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 57.23M110.87M84.12M78.72M85.73M82.14M72.75M89.27M88.31M135.26M107.63M105.70M165.05M151.41M150.76M129.46M187.54M
Investing Cash Flow -90.94M542.63M-79.96M-171.38M-307.28M-164.06M-142.43M493.77M-52.80M-347.75M122.94M-483.14M-565.30M-588.79M-574.27M-121.72M-388.23M
Financing Cash Flow 34.70M-673.20M4.46M117.16M196.00M79.02M64.60M-536.82M-43.89M204.14M-207.66M612.16M439.05M196.25M416.26M-21.32M247.64M
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-10.64M-11.21M-22.03M-15.55M-16.09M
Free Cash Flow 50.58M105.98M75.80M68.54M76.10M71.16M67.86M81.78M76.71M125.66M90.25M98.08M154.41M140.21M128.72M113.92M171.45M
Share Buybacks 18.00K9.00K9.00K36.24M33.44M30.96M25.38M864.00K1.46M26.19M6.26M20.91M31.30M15.60M14.96M12.63M35.79M
Dividends Paid 29.68M5.31M12.56M18.76M22.34M26.17M25.09M24.91M30.51M34.85M39.39M42.98M43.61M44.58M50.81M52.60M55.49M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
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%12.5%12.2%12.0%10.1%9.8%
ROCE % -----------------

Shareholding Pattern

Insiders
1.70%
Institutions
78.90%
Public Float
80.27%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.48% 14.73M $300.86M
2 Dimensional Fund Advisors LP 6.25% 6.36M $129.94M
3 Vanguard Portfolio Management LLC 6.12% 6.23M $127.20M
4 State Street Corporation 4.84% 4.92M $100.47M
5 Vanguard Capital Management LLC 4.34% 4.41M $90.18M
6 Franklin Resources, Inc. 4.18% 4.25M $86.74M
7 Fuller & Thaler Asset Management Inc. 2.68% 2.72M $55.57M
8 Geode Capital Management, LLC 2.47% 2.51M $51.26M
9 Mariner, LLC 2.02% 2.05M $41.88M
10 American Century Companies Inc 1.66% 1.69M $34.59M

Analyst View

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Latest News

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FCF — Frequently Asked Questions

What is the current share price of First Commonwealth Financial Corporation (FCF)?

As of 2026-07-14 21:23 PDT, First Commonwealth Financial Corporation (FCF) trades at $20.42 on NYSE. Its 52-week range is $14.94 to $20.76.

What is the market capitalisation of FCF?

First Commonwealth Financial Corporation (FCF) has a market capitalisation of $2.08B on NYSE.

What is the P/E ratio of FCF?

FCF trades at a trailing price-to-earnings (P/E) ratio of 13.43. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.30.

Does FCF pay a dividend?

First Commonwealth Financial Corporation (FCF) currently offers a dividend yield of 2.81%.

What is the return on equity (ROE) of FCF?

FCF has a return on equity (ROE) of 10.48%.

Is FCF a good stock to buy?

This page provides a data-driven analysis of First Commonwealth Financial Corporation (FCF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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