Financial Services
First Commonwealth Financial Corporation(FCF)
Live Price
Offline$20.35
+0.79% today
1Y Change
+25.08%
Window
Jun 27, 2025 โ Jun 25, 2026
- Market Cap
- $1.90B
- Revenue Growth
- +4.3%
- EPS Growth
- +5.7%
- Dividend Yield
- 2.9%
Coverage: 249 bars ยท Jun 27, 2025 โ Jun 25, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
First Commonwealth Financial Corporation (FCF) is a Financial Services stock with a market cap of $1.90B and listed on NYSE. The stock last traded around $20.35 and up 25.1% across the available one-year price window (Jun 27, 2025 โ Jun 25, 2026). Baseline metrics include revenue growth of +4.3%, EPS growth of +5.7%, a dividend yield of 2.9%. What stands out right now is revenue +4.3%, EPS +5.7%, free cash flow +50.4% with operating margin 27.7% and ROIC 1.3%. The dividend matters to the case here, with a current yield around 2.9%. Valuation is more restrained than many high-expectation growth names at P/E 12.1 and price/sales 2.6. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines FCF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+4.3% vs +3.4% peer median
Operating Margin
Above sector median
+27.7% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 5, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +4.3% and EPS at +5.7%, with operating margin around 27.7%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.9%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.5% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 5, 2026 | โ | -0.1% | -1.7% | +0.2% |
2026 Jan 27, 2026 | +4.9% | -0.6% | +5.0% | +2.7% |
2025 Oct 28, 2025 | -4.9% | -5.5% | -4.8% | +1.2% |
Benchmark Edge
FCF vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
FCF
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
FCF Max Drawdown
-15.15%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for FCF and SPY.
Company Overview
First Commonwealth Financial Corporation
New York Stock Exchange
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include 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, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. It also offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. As of December 31, 2021, the company operated 118 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio; corporate banking centers in Pittsburgh, Pennsylvania, as well as Columbus, Canton, and Cleveland, Ohio; and mortgage banking offices in Wexford, Pennsylvania, and Hudson, Westlake, as well as Lewis Center, Ohio. It also operates 136 automated teller machines. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.
- Leadership
- Thomas Michael Price
- IPO Date
- Jun 10, 1992
- Employees
- 1.5k
- Street Address
- 601 Philadelphia Street
- Mailing
- Indiana, PA, 15701
- Region
- Indiana, PA, US
- Reporting Currency
- USD
- Investor Line
- 724 349 7220
- Last Updated
- Apr 28, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 12.1
- EV/EBITDA
- 9.3
- Price/Sales
- 2.6
- Price/Book
- 0.2
Growth
- Revenue
- +4.3%
- EPS
- +5.7%
- Free Cash Flow
- +50.4%
Profitability
- Gross Margin
- 67.8%
- Operating Margin
- 27.7%
- Net Margin
- 21.3%
- ROE
- 3.7%
- ROIC
- 1.3%
Balance Sheet
- Debt/Equity
- 0.01
- Current Ratio
- 5.17
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.