First Commonwealth Financial/$FCF
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About First Commonwealth Financial
First Commonwealth Financial Corp functions in the financial services sector in the United States. Through its subsidiary, it offers a range of consumer and commercial banking services such as personal checking accounts, interest-earning checking accounts, savings accounts, insured money market accounts, investment certificates, fixed & variable rate certificates of deposit, and various kinds of loans. It also provides trust and wealth management services and offers insurance products. The company earns the majority of its revenue through net interest income.
- Ticker
- $FCF
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 1,589
- Headquarters
- Indiana, United States
- Website
- www.fcbanking.com
FCF Metrics
BasicAdvanced
$2B
12.42
$1.64
0.74
$0.55
2.75%
Price and volume
Market cap
$2B
Beta
0.74
52-week high
$22.34
52-week low
$15.00
Average daily volume
1M
Dividend rate
$0.55
Financial strength
Dividend payout ratio (TTM)
33.37%
Profitability
Net profit margin (TTM)
33.20%
Operating margin (TTM)
44.66%
Effective tax rate (TTM)
20.50%
Revenue per employee (TTM)
$320,000
Management effectiveness
Return on assets (TTM)
1.38%
Return on equity (TTM)
10.91%
Valuation
Price to earnings (TTM)
12.416
Price to revenue (TTM)
4.122
Price to book
1.31
Price to tangible book (TTM)
1.75
Price to free cash flow (TTM)
11.714
Free cash flow yield (TTM)
8.54%
Free cash flow per share (TTM)
1.736
Dividend yield (TTM)
2.70%
Forward dividend yield
2.75%
Growth
Revenue change (TTM)
11.54%
Earnings per share change (TTM)
26.04%
3-year revenue growth (CAGR)
5.31%
3-year earnings per share growth (CAGR)
3.70%
10-year earnings per share growth (CAGR)
11.98%
3-year dividend per share growth (CAGR)
3.93%
10-year dividend per share growth (CAGR)
6.98%
What the Analysts think about FCF
Analyst ratings (Buy, Hold, Sell) for First Commonwealth Financial stock.
Analyst projections of the future price of First Commonwealth Financial stock.
Bulls say / Bears say
Q2 earnings momentum strengthened: diluted EPS rose to $0.44 from $0.37 in the prior quarter, while net interest margin expanded nine basis points to 4.01% as deposit costs fell. The core efficiency ratio also improved to 52.24%. (First Commonwealth Financial Corporation)
The bank has room to return capital: its June total capital ratio was 14.0%, with $393.8 million above the regulatory well-capitalised threshold, and the board approved a further $75 million share-buyback authorisation. It also raised its quarterly dividend to $0.14 per share. (First Commonwealth Financial Corporation)
Growth could broaden if recent momentum continues in equipment finance, construction, home-equity and indirect lending. Management expects loan growth to move back towards its mid-single-digit guidance as unusually high commercial pay-offs ease. (StockAnalysis)
Credit losses are rising even as non-performing loans fell: net charge-offs reached 0.49% of average loans in Q2, up from 0.35% in Q1 and 0.12% a year earlier. Management said classified assets and non-performing loans remain above its long-term objectives. (First Commonwealth Financial Corporation, StockAnalysis)
Period-end deposits fell $149.8 million in Q2, an annualised 5.8% decline, pushing the loan-to-deposit ratio to 92.7%. Management expects stronger deposit competition, which could raise funding costs and limit further margin gains. (First Commonwealth Financial Corporation, StockAnalysis)
Heavy commercial-loan pay-offs are making growth difficult: Q2 pay-offs reached about $740 million after roughly $630 million in Q1, exceeding Q2 originations of about $693 million. CRE and C&I lending also contracted, so a return to stronger growth depends on pay-offs normalising. (StockAnalysis)
Data summarised monthly by Lightyear AI. Last updated on 14 Oct 2026.
FCF Financial Performance
Revenues and expenses
FCF Earnings Performance
Company profitability
Upcoming events
No upcoming events
FCF News
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Funds containing FCF
AllUSDEURGBP
Fund name | Fund size | $FCF weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.12% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.12% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.07% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.07% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.06% |
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