Symbols / FCF Stock $18.41 +0.22% First Commonwealth Financial Corporation

Financial Services • Banks - Regional • United States • NYQ
FCF (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Thomas Michael Price
Exch · Country NYQ · United States
Market Cap 1.87B
Enterprise Value 1.68B
Income 157.15M
Sales 495.72M
FCF (ttm) —
Book/sh 15.33
Cash/sh 3.39
Employees 1,592
Insider 10d —
IPO Jun 10, 1992
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 35.54%
P/E 12.11
Forward P/E 9.36
PEG 1.46
P/S 3.78
P/B 1.20
P/C —
EV/EBITDA —
EV/Sales 3.38
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.52
EPS next Y 1.97
EPS Growth 14.60%
Revenue Growth 9.10%
EPS Gr Q/Q 14.80%
Rev Gr Q/Q —
Earnings (next) 2026-07-28
Earnings (prior) 2026-04-28
ROA 1.31%
ROE 10.48%
ROIC —
Gross Margin 0.00%
Oper. Margin 41.84%
Profit Margin 31.70%
Shs Outstand 101.68M
Shs Float 98.85M
Insider Own 1.77%
Instit Own 78.14%
Short Float 2.98%
Short Ratio 2.07
Short Interest 2.19M
52W High 19.14
vs 52W High -3.81%
52W Low 15.00
vs 52W Low 22.73%
Beta 0.75
Impl. Vol. 25.00%
Rel Volume 0.67
Avg Volume 934.44K
Volume 629.38K
Target (mean) $20.67
Tgt Median $21.00
Tgt Low $20.00
Tgt High $21.00
# Analysts 6
Recom Buy
Prev Close $18.37
Price $18.41
Change 0.22%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$20.67
Mean price target
2. Current target
$18.41
Latest analyst target
3. DCF / Fair value
$22.80
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$18.41
Low
$20.00
High
$21.00
Mean
$20.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $20
2026-01-07 up Raymond James Market Perform → Outperform $20
2025-05-02 main Keefe, Bruyette & Woods Market Perform → Market Perform $18
2025-05-01 main RBC Capital Outperform → Outperform $18
2025-02-06 main Stephens & Co. Overweight → Overweight $20
2025-01-30 reit RBC Capital Outperform → Outperform $20
2025-01-30 main DA Davidson Buy → Buy $21
2025-01-29 reit Stephens & Co. Overweight → Overweight $22
2025-01-08 main RBC Capital Outperform → Outperform $20
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $20
2024-10-31 main Piper Sandler Neutral → Neutral $16
2024-07-29 down Janney Montgomery Scott Buy → Neutral $19
2024-07-25 main RBC Capital Outperform → Outperform $18
2024-07-25 main Keefe, Bruyette & Woods Market Perform → Market Perform $18
2024-07-25 main Piper Sandler Neutral → Neutral $17
2024-04-09 reit RBC Capital Outperform → Outperform $17
2024-02-06 main Stephens & Co. Overweight → Overweight $16
2023-10-26 main RBC Capital Outperform → Outperform $14
2023-07-27 main Keefe, Bruyette & Woods Market Perform → Market Perform $15
2023-07-26 reit Stephens & Co. Overweight → Overweight $14
News
RSS: Latest FCF news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-06 RESKE JAMES R Chief Financial Officer — 2,072 $17.81 $37,007
2026-03-05 RESKE JAMES R Chief Financial Officer — 2,072 $17.48 $36,432
2026-02-06 GREBENC JANE Officer and Director — 18,598 $18.85 $350,606
2026-02-05 RESKE JAMES R Chief Financial Officer — 2,072 $18.77 $39,199
2026-02-05 GREBENC JANE Officer and Director — 7,402 $18.70 $138,905
2026-02-03 BRICE TODD D Director — 1,000 $18.23 $18,230
2026-01-27 PRICE T MICHAEL Chief Executive Officer — 41,400 $0.00 $0
2026-01-27 PRICE T MICHAEL Chief Executive Officer — 13,800 $17.70 $244,260
2026-01-27 RESKE JAMES R Chief Financial Officer — 21,000 $0.00 $0
2026-01-27 RESKE JAMES R Chief Financial Officer — 7,000 $17.70 $123,900
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
522.91
+9.37%
478.12
-0.86%
482.29
+17.36%
410.93
Operating Revenue
522.91
+9.37%
478.12
-0.86%
482.29
+17.36%
410.93
Selling General And Administration
176.54
+9.80%
160.79
+3.84%
154.84
+15.61%
133.93
Selling And Marketing Expense
6.45
+16.48%
5.54
-3.12%
5.71
+13.56%
5.03
General And Administrative Expense
170.10
+9.56%
155.26
+4.11%
149.13
+15.69%
128.90
Salaries And Wages
163.98
+9.84%
149.29
+4.49%
142.87
+13.36%
126.03
Other Gand A
—
—
—
—
Reconciled Depreciation
6.63
+16.49%
5.69
+38.60%
4.10
-61.11%
10.55
Total Unusual Items
-7.96
-37.14%
-5.80
+58.19%
-13.88
-184.46%
-4.88
Total Unusual Items Excluding Goodwill
-7.96
-37.14%
-5.80
+58.19%
-13.88
-184.46%
-4.88
Special Income Charges
-7.96
-37.14%
-5.80
+58.19%
-13.88
-184.46%
-4.88
Other Special Charges
3.58
-29.03%
5.04
+4.09%
4.84
+52.50%
3.18
Restructuring And Mergern Acquisition
4.38
+1019.95%
0.39
-95.67%
9.03
+430.79%
1.70
Net Income
152.30
+6.82%
142.57
-9.23%
157.06
+22.53%
128.18
Pretax Income
191.36
+7.38%
178.21
-9.79%
197.56
+23.33%
160.19
Net Interest Income
423.39
+12.35%
376.84
-1.52%
382.67
+22.91%
311.34
Interest Expense
206.60
-6.76%
221.57
+53.53%
144.32
+713.91%
17.73
Interest Income
629.99
+5.28%
598.41
+13.55%
526.99
+60.14%
329.08
Gain On Sale Of Security
0.67
+290.70%
0.17
+293.26%
-0.09
-124.05%
0.37
Tax Provision
39.06
+9.60%
35.64
-11.99%
40.49
+26.52%
32.00
Tax Rate For Calcs
0.00
+2.02%
0.00
-2.44%
0.00
+2.59%
0.00
Tax Effect Of Unusual Items
-1.62
-39.90%
-1.16
+59.21%
-2.84
-191.83%
-0.97
Net Income Including Noncontrolling Interests
152.30
+6.82%
142.57
-9.23%
157.06
+22.53%
128.18
Net Income From Continuing Operation Net Minority Interest
152.30
+6.82%
142.57
-9.23%
157.06
+22.53%
128.18
Net Income From Continuing And Discontinued Operation
152.30
+6.82%
142.57
-9.23%
157.06
+22.53%
128.18
Net Income Continuous Operations
152.30
+6.82%
142.57
-9.23%
157.06
+22.53%
128.18
Normalized Income
158.64
+7.76%
147.21
-12.42%
168.10
+27.26%
132.09
Net Income Common Stockholders
152.30
+6.82%
142.57
-9.23%
157.06
+22.53%
128.18
Diluted EPS
1.47
+5.76%
1.39
-9.63%
1.54
+12.27%
1.37
Basic EPS
1.48
+5.63%
1.40
-8.91%
1.54
+12.05%
1.37
Basic Average Shares
103.22
+1.44%
101.76
-0.35%
102.11
+9.36%
93.38
Diluted Average Shares
103.52
+1.29%
102.21
+0.09%
102.11
+9.23%
93.49
Diluted NI Availto Com Stockholders
152.30
+6.82%
142.57
-9.23%
157.06
+22.53%
128.18
Amortization
5.50
+9.53%
5.02
+0.82%
4.98
+55.91%
3.20
Amortization Of Intangibles Income Statement
5.50
+9.53%
5.02
+0.82%
4.98
+55.91%
3.20
Depreciation Amortization Depletion Income Statement
5.50
+9.53%
5.02
+0.82%
4.98
+55.91%
3.20
Depreciation And Amortization In Income Statement
5.50
+9.53%
5.02
+0.82%
4.98
+55.91%
3.20
Insurance And Claims
6.12
+2.41%
5.97
-4.58%
6.26
+118.04%
2.87
Occupancy And Equipment
38.88
+4.40%
37.24
+1.94%
36.53
+8.66%
33.62
Other Non Interest Expense
59.05
+4.79%
56.35
+4.82%
53.76
+9.46%
49.12
Professional Expense And Contract Services Expense
6.89
+24.56%
5.53
-6.52%
5.92
+20.94%
4.89
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
12,343.04
+6.54%
11,584.94
+1.09%
11,459.49
+16.87%
9,805.67
Cash And Cash Equivalents
180.36
+35.19%
133.41
-9.24%
146.99
-4.70%
154.24
Cash Financial
103.28
-1.69%
105.05
-16.25%
125.44
+0.95%
124.25
Other Short Term Investments
962.50
-16.13%
1,147.62
+12.40%
1,020.99
+33.87%
762.66
Net PPE
114.28
-1.57%
116.11
-4.05%
121.02
+5.13%
115.11
Gross PPE
305.84
+1.30%
301.92
-3.33%
312.33
+5.90%
294.92
Accumulated Depreciation
-191.56
-3.09%
-185.81
+2.87%
-191.31
-6.39%
-179.81
Land And Improvements
14.81
+2.37%
14.47
-0.19%
14.50
+4.61%
13.86
Buildings And Improvements
77.70
+3.52%
75.06
+0.59%
74.62
+5.33%
70.84
Machinery Furniture Equipment
117.45
+1.66%
115.53
-6.90%
124.09
+2.28%
121.32
Other Properties
53.65
-4.35%
56.10
-5.51%
59.37
+15.28%
51.50
Leases
42.22
+3.57%
40.77
+2.55%
39.75
+6.29%
37.40
Goodwill And Other Intangible Assets
400.23
+4.40%
383.35
-0.82%
386.54
+23.68%
312.53
Goodwill
378.21
+3.99%
363.71
+0.00%
363.71
+19.91%
303.33
Other Intangible Assets
22.02
+12.11%
19.64
-13.95%
22.82
+147.91%
9.21
Investments And Advances
1,571.91
-0.78%
1,584.22
+6.26%
1,490.87
+19.25%
1,250.24
Total Liabilities Net Minority Interest
10,788.66
+5.98%
10,179.77
+0.34%
10,145.21
+15.90%
8,753.59
Current Debt And Capital Lease Obligation
125.00
+127.27%
55.00
-90.23%
563.00
+97.54%
285.00
Current Debt
125.00
+127.27%
55.00
-90.23%
563.00
+97.54%
285.00
Other Current Borrowings
125.00
+127.27%
55.00
-90.23%
563.00
+97.54%
285.00
Long Term Debt And Capital Lease Obligation
261.74
-0.47%
262.99
+40.82%
186.76
+3.05%
181.22
Long Term Debt
258.02
-0.25%
258.66
+42.23%
181.86
+3.45%
175.80
Long Term Capital Lease Obligation
3.72
-14.01%
4.33
-11.59%
4.89
-9.79%
5.42
Stockholders Equity
1,554.38
+10.62%
1,405.16
+6.92%
1,314.27
+24.92%
1,052.07
Common Stock Equity
1,554.38
+10.62%
1,405.16
+6.92%
1,314.27
+24.92%
1,052.07
Capital Stock
126.60
+2.42%
123.60
+0.00%
123.60
+8.50%
113.92
Common Stock
126.60
+2.42%
123.60
+0.00%
123.60
+8.50%
113.92
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
126.60
+2.42%
123.60
+0.00%
123.60
+8.51%
113.91
Ordinary Shares Number
102.84
+1.06%
101.76
-0.35%
102.11
+9.36%
93.38
Treasury Shares Number
23.76
+8.76%
21.84
+1.66%
21.49
+4.63%
20.54
Additional Paid In Capital
675.75
+7.03%
631.37
+0.19%
630.15
+26.68%
497.43
Retained Earnings
1,067.89
+9.97%
971.08
+10.21%
881.11
+13.71%
774.86
Gains Losses Not Affecting Retained Earnings
-64.60
+36.98%
-102.51
+8.27%
-111.76
+18.84%
-137.69
Treasury Stock
251.26
+15.06%
218.37
+4.57%
208.84
+6.31%
196.44
Total Equity Gross Minority Interest
1,554.38
+10.62%
1,405.16
+6.92%
1,314.27
+24.92%
1,052.07
Total Capitalization
1,812.40
+8.93%
1,663.82
+11.21%
1,496.14
+21.85%
1,227.87
Invested Capital
1,937.40
+12.72%
1,718.82
-16.53%
2,059.14
+36.11%
1,512.87
Total Debt
386.74
+21.62%
317.99
-57.59%
749.76
+60.81%
466.22
Net Debt
202.66
+12.43%
180.25
-69.85%
597.87
+95.03%
306.56
Capital Lease Obligations
3.72
-14.01%
4.33
-11.59%
4.89
-9.79%
5.42
Net Tangible Assets
1,154.15
+12.95%
1,021.81
+10.14%
927.74
+25.45%
739.54
Tangible Book Value
1,154.15
+12.95%
1,021.81
+10.14%
927.74
+25.45%
739.54
Available For Sale Securities
91.80
+196.56%
30.95
-39.15%
50.87
+92.59%
26.41
Cash Cash Equivalents And Federal Funds Sold
180.36
+35.19%
133.41
-9.24%
146.99
-4.70%
154.24
Held To Maturity Securities
517.62
+27.61%
405.64
-3.19%
419.01
-9.14%
461.16
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
187.54
+44.86%
129.46
-14.13%
150.76
-0.43%
151.41
Cash Flow From Continuing Operating Activities
187.54
+44.86%
129.46
-14.13%
150.76
-0.43%
151.41
Net Income From Continuing Operations
152.30
+6.82%
142.57
-9.23%
157.06
+22.53%
128.18
Depreciation Amortization Depletion
6.63
+16.49%
5.69
+38.60%
4.10
-61.11%
10.55
Depreciation And Amortization
6.63
+16.49%
5.69
+38.60%
4.10
-61.11%
10.55
Other Non Cash Items
3.53
+108.44%
-41.84
-180.82%
-14.90
-211.60%
13.35
Deferred Tax
3.04
-11.07%
3.41
-50.11%
6.84
+440.28%
-2.01
Deferred Income Tax
3.04
-11.07%
3.41
-50.11%
6.84
+440.28%
-2.01
Operating Gains Losses
-13.79
+1.21%
-13.96
-38.95%
-10.05
+13.05%
-11.56
Gain Loss On Investment Securities
-13.79
+3.75%
-14.33
-42.63%
-10.05
+13.05%
-11.56
Change In Working Capital
-0.91
-124.67%
3.68
+143.58%
-8.45
+17.48%
-10.23
Change In Receivables
0.13
-96.07%
3.28
+137.16%
-8.84
-29.10%
-6.85
Changes In Account Receivables
0.13
-96.07%
3.28
+137.16%
-8.84
-29.10%
-6.85
Change In Payables And Accrued Expense
-1.04
-361.21%
0.40
+1.28%
0.39
+111.57%
-3.39
Change In Payable
-1.04
-361.21%
0.40
+1.28%
0.39
+111.57%
-3.39
Change In Account Payable
-1.03
-185.02%
1.22
-75.70%
5.00
+326.71%
1.17
Investing Cash Flow
-388.23
-218.94%
-121.72
+78.80%
-574.27
+2.47%
-588.79
Cash Flow From Continuing Investing Activities
-388.23
-218.94%
-121.72
+78.80%
-574.27
+2.47%
-588.79
Net PPE Purchase And Sale
-16.09
-3.49%
-15.55
+29.45%
-22.03
-96.61%
-11.21
Purchase Of PPE
-16.09
-3.49%
-15.55
+29.45%
-22.03
-96.61%
-11.21
Capital Expenditure
-16.09
-3.49%
-15.55
+29.45%
-22.03
-96.61%
-11.21
Net Investment Purchase And Sale
79.91
+168.87%
-116.02
+29.56%
-164.70
-173.20%
225.00
Purchase Of Investment
-354.60
+28.02%
-492.62
-45.49%
-338.59
-169195.00%
-0.20
Sale Of Investment
434.51
+15.38%
376.60
+116.58%
173.89
-22.79%
225.20
Net Business Purchase And Sale
4.67
0.00
-100.00%
14.49
0.00
Net Other Investing Changes
5.53
-82.12%
30.91
+829.25%
-4.24
-1245.68%
0.37
Financing Cash Flow
247.64
+1261.32%
-21.32
-105.12%
416.26
+112.11%
196.25
Cash Flow From Continuing Financing Activities
247.64
+1261.32%
-21.32
-105.12%
416.26
+112.11%
196.25
Net Issuance Payments Of Debt
43.64
+109.87%
-442.03
-964.42%
51.14
-78.07%
233.17
Issuance Of Debt
0.00
-100.00%
127.00
0.00
0.00
Repayment Of Debt
-21.69
+57.75%
-51.34
-3939.02%
-1.27
-5.22%
-1.21
Long Term Debt Issuance
0.00
-100.00%
127.00
0.00
0.00
Long Term Debt Payments
-21.69
+57.75%
-51.34
-3939.02%
-1.27
-5.22%
-1.21
Net Long Term Debt Issuance
-21.69
-128.66%
75.66
+6053.11%
-1.27
-5.22%
-1.21
Net Short Term Debt Issuance
65.33
+112.62%
-517.70
-1087.84%
52.41
-77.64%
234.38
Net Common Stock Issuance
-35.55
-186.07%
-12.43
+15.58%
-14.72
+4.12%
-15.35
Common Stock Payments
-35.79
-183.39%
-12.63
+15.60%
-14.96
+4.06%
-15.60
Common Stock Dividend Paid
-55.49
-5.49%
-52.60
-3.52%
-50.81
-13.99%
-44.58
Cash Dividends Paid
-55.49
-5.49%
-52.60
-3.52%
-50.81
-13.99%
-44.58
Repurchase Of Capital Stock
-35.79
-183.39%
-12.63
+15.60%
-14.96
+4.06%
-15.60
Changes In Cash
46.95
+445.65%
-13.58
-87.34%
-7.25
+96.99%
-241.13
Beginning Cash Position
133.41
-9.24%
146.99
-4.70%
154.24
-60.99%
395.37
End Cash Position
180.36
+35.19%
133.41
-9.24%
146.99
-4.70%
154.24
Free Cash Flow
171.45
+50.51%
113.92
-11.50%
128.72
-8.19%
140.21
Interest Paid Supplemental Data
207.50
-5.75%
220.15
+57.39%
139.87
+753.09%
16.40
Income Tax Paid Supplemental Data
34.66
+7.64%
32.20
-14.19%
37.53
+9.32%
34.33
Change In Income Tax Payable
-0.00
+99.51%
-0.82
+82.25%
-4.61
-1.05%
-4.56
Change In Tax Payable
-0.00
+99.51%
-0.82
+82.25%
-4.61
-1.05%
-4.56
Common Stock Issuance
0.24
+20.10%
0.20
-16.73%
0.24
+0.00%
0.24
Issuance Of Capital Stock
0.24
+20.10%
0.20
-16.73%
0.24
+0.00%
0.24
Sale Of Business
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SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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