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: $17.54 to $17.80
• 50-Day Range: $15.84 to $17.84
• 52-Week Range: $13.54 to $19.96
• Volume: 121,547 shs
• Average Volume: 684,875 shs
• Market Capitalization: $1.84 billion
• P/E Ratio: 13.55
• Dividend Yield: 3.06%
• Price Target: $18.90
• Consensus Rating: Moderate Buy

First Commonwealth Financial Stock Analysis - MarketRank™

First Commonwealth Financial scored higher than 64% of companies evaluated by MarketBeat, and ranked 506th out of 936 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: 1.3 / 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 2.60, and is based on 3 buy ratings, 2 hold ratings, and no sell ratings.

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: 8.28%

Earnings Growth

Earnings for First Commonwealth Financial are expected to grow by 8.28% in the coming year, from $1.45 to $1.57 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Commonwealth Financial is 13.57, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 269.56.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Commonwealth Financial is 13.57, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 227.52.

Price to Book Value per Share Ratio

First Commonwealth Financial has a P/B Ratio of 1.22. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.33% of the outstanding shares of First Commonwealth Financial have been sold short.

Short Interest Ratio / Days to Cover

First Commonwealth Financial has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in First Commonwealth Financial has recently increased by 6.55%, 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 3.04%, 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 41.54%. 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 34.39% next year. This indicates that First Commonwealth Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.33% of the outstanding shares of First Commonwealth Financial have been sold short.

Short Interest Ratio / Days to Cover

First Commonwealth Financial has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in First Commonwealth Financial has recently increased by 6.55%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: 1.63

News Sentiment

First Commonwealth Financial has a news sentiment score of 1.63. 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 1.07 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for First Commonwealth Financial this week, compared to 5 articles on an average week.

Search Interest

10 people have searched for FCF on MarketBeat in the last 30 days. This is an increase of 67% compared to the previous 30 days.

MarketBeat Follows

1 people have added First Commonwealth Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 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 $36,485.00 in company stock.

Percentage Held by Insiders

Only 2.17% 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 $16.92 at the beginning of the year. Since then, FCF stock has increased by 4.3% and is now trading at $17.6450.

How were First Commonwealth Financial's earnings last quarter?

First Commonwealth Financial Corporation (NYSE:FCF) released its quarterly earnings results on Tuesday, July, 29th. The bank reported $0.38 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.34 by $0.04. The bank had revenue of $131.33 million for the quarter, compared to analyst estimates of $125.88 million. First Commonwealth Financial had a net margin of 18.94% and a trailing twelve-month return on equity of 9.71%.
Read the conference call transcript.

Who are First Commonwealth Financial's major shareholders?

First Commonwealth Financial's top institutional shareholders include State Street Corp (4.53%), Franklin Resources Inc. (3.74%), First Trust Advisors LP (3.43%) and Geode Capital Management LLC (2.41%). Insiders that own company stock include Ray T Charley, T Michael Price, James R Reske, Michael P Mccuen, 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

• Last Earnings: 7/29/2025
• Record date for 8/22 Dividend: 8/08/2025
• Ex-Dividend for 8/22 Dividend: 8/08/2025
• Dividend Payable: 8/22/2025
• Today: 9/03/2025
• Next Earnings (Estimated): 11/04/2025
• Fiscal Year End: 12/31/2025

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: 1,545
• Year Founded: 1982

Price Target and Rating

• Average Price Target for First Commonwealth Financial: $18.90
• High Price Target: $21.50
• Low Price Target: $16.00
• Potential Upside/Downside: +7.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.60
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.30
• Trailing P/E Ratio: 13.58
• Forward P/E Ratio: 12.17
• P/E Growth: N/A
• Net Income: $142.57 million
• Net Margins: 18.94%
• Pretax Margin: 23.78%
• Return on Equity: 9.71%
• Return on Assets: 1.18%

Debt

• Debt-to-Equity Ratio: 0.17
• Current Ratio: 0.93
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $699.69 million
• Price / Sales: 2.64
• Cash Flow: $1.46 per share
• Price / Cash Flow: 12.11
• Book Value: $14.52 per share
• Price / Book: 1.22

Miscellaneous

• Outstanding Shares: 104,540,000
• Free Float: 102,271,000
• Market Cap: $1.85 billion
• Optionable: Optionable
• Beta: 0.85