First Commonwealth Financial/$FCF
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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
Primary listing
NYSE
Employees
1,562
Headquarters
Website
FCF Metrics
BasicAdvanced
$1.8B
13.52
$1.30
0.82
$0.53
3.07%
Price and volume
Market cap
$1.8B
Beta
0.82
52-week high
$19.37
52-week low
$13.54
Average daily volume
511K
Dividend rate
$0.53
Financial strength
Dividend payout ratio (TTM)
40.24%
Profitability
Net profit margin (TTM)
29.48%
Operating margin (TTM)
41.35%
Effective tax rate (TTM)
20.34%
Revenue per employee (TTM)
$290,000
Management effectiveness
Return on assets (TTM)
1.12%
Return on equity (TTM)
9.31%
Valuation
Price to earnings (TTM)
13.516
Price to revenue (TTM)
3.95
Price to book
1.21
Price to tangible book (TTM)
1.65
Price to free cash flow (TTM)
13.217
Free cash flow yield (TTM)
7.57%
Free cash flow per share (TTM)
1.329
Dividend yield (TTM)
3.02%
Forward dividend yield
3.07%
Growth
Revenue change (TTM)
-1.73%
Earnings per share change (TTM)
-16.11%
3-year revenue growth (CAGR)
6.12%
3-year earnings per share growth (CAGR)
-1.02%
10-year earnings per share growth (CAGR)
9.46%
3-year dividend per share growth (CAGR)
4.09%
10-year dividend per share growth (CAGR)
6.59%
What the Analysts think about FCF
Analyst ratings (Buy, Hold, Sell) for First Commonwealth Financial stock.
Bulls say / Bears say
First Commonwealth expanded its net interest margin to 3.83% in Q2 2025, up 21 basis points sequentially and 26 basis points year-over-year as higher loan yields, lower funding costs, and favorable swap expirations bolstered NIM growth (SEC).
The bank reported robust loan growth, with total loans (excluding acquisitions) rising by $183.7 million or 8.1% annualized quarter-over-quarter, driving the loan-to-deposit ratio to 95.1%, underscoring strong asset deployment and loan demand (SEC).
First Commonwealth maintains a strong capital position, with a bank-level total capital ratio of 13.4% at June 30, 2025 (well above the 10% “well-capitalized” requirement) and $338.5 million of excess capital, supporting an additional $25 million share repurchase authorization (SEC).
Credit quality deteriorated as nonperforming loans increased by $40.1 million to $99.5 million, representing 1.04% of total loans (versus 0.65% last quarter), prompting a provision expense of $8.9 million (SEC).
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2025.
FCF Financial Performance
Revenues and expenses
FCF Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for First Commonwealth Financial stock?
First Commonwealth Financial (FCF) has a market cap of $1.8B as of September 16, 2025.
What is the P/E ratio for First Commonwealth Financial stock?
The price to earnings (P/E) ratio for First Commonwealth Financial (FCF) stock is 13.52 as of September 16, 2025.
Does First Commonwealth Financial stock pay dividends?
Yes, the First Commonwealth Financial (FCF) stock pays dividends to shareholders. As of September 16, 2025, the dividend rate is $0.53 and the yield is 3.07%. First Commonwealth Financial has a payout ratio of 40.24% on a trailing twelve-month basis.
When is the next First Commonwealth Financial dividend payment date?
The next First Commonwealth Financial (FCF) dividend payment date is unconfirmed.
What is the beta indicator for First Commonwealth Financial?
First Commonwealth Financial (FCF) has a beta rating of 0.82. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.