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FCF stock logo

FCF

First Commonwealth Financial Corporation

$19.35
0.17
 (0.89%)
Exchange:  NYSE
Market Cap:  1.968B
Shares Outstanding:  31.048M
Delayed data
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Thomas Michael Price
Full Time Employees:  1538
Address: 
601 Philadelphia Street
Indiana
PA
15701
US
Website:  https://www.fcbanking.com
First Commonwealth Financial Corporation (FCF) functions as a financial holding company, delivering an extensive array of consumer and commercial banking solutions throughout the United States. For individual clients, FCF offers a diverse suite of financial products. These include various checking accounts (such as personal and interest-earning options), savings, health savings, and insured money market accounts, alongside debit cards. Its lending portfolio encompasses mortgage loans, secured and unsecured installment loans, and construction and real estate loans. Additional personal banking conveniences include safe deposit facilities, credit cards, credit lines with overdraft checking protection, Individual Retirement Accounts (IRAs), investment certificates, and both fixed and variable rate certificates of deposit. Customers also benefit from modern access channels like automated teller machines (ATMs), internet, mobile, and telephone banking services. Business clients can access comprehensive commercial banking services. These comprise commercial lending, specialized business checking accounts, and efficient cash management solutions, which include online account management, payroll direct deposits, repurchase agreements, and ACH origination services. Beyond traditional banking, FCF provides a range of wealth management solutions, such as trust and asset management services. It also facilitates access to various insurance products (auto, home, business, and term life) and investment options like annuities, mutual funds, and stock and bond brokerage services, typically facilitated through affiliated broker-dealers and insurance brokers. As of December 31, 2021, FCF maintained a substantial physical footprint. This included 118 community banking branches spread across western and central Pennsylvania, alongside northeastern, central, and southwestern Ohio. The company also operated dedicated corporate banking centers in Pittsburgh, Pennsylvania, and in Columbus, Canton, and Cleveland, Ohio, complemented by mortgage banking offices in Wexford, Pennsylvania, and Hudson, Westlake, and Lewis Center, Ohio. Additionally, the corporation managed 136 automated teller machines. Established in 1934, First Commonwealth Financial Corporation has its headquarters in Indiana, Pennsylvania.

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Revenue Segmentation

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EPS

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Earnings Call

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Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/29 — 1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue626,607699,694729,441
Gross Profit467,472448,953493,120
EBITDA201,659184,011204,682
Operating Income197,555178,208198,363
Net Income157,063142,572152,302

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets11,459,48811,584,93612,343,036
Total Liabilities10,145,21410,179,7710
Total Stockholders Equity1,314,2741,405,1651,554,376
Total Debt784,592343,124409,708
Cash and Cash Equivalents146,993133,409103,280

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Cash Flow Statement

Year202320242025
Operating Cash Flow150,759129,463187,540
Capital Expenditure-22,034-15,5460
Free Cash Flow128,725113,917187,540
Net Income157,063142,572152,302
Net Change in Cash-7,251-13,584-6,730

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)586,682.970Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)600,409.138Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)592,167.400Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)202,251.010Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)206,982.921Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)204,141.693Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)197,257.517Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)212,829.961Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)205,043.739Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)145,044.012Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)148,437.495Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)146,399.913Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.960Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.050Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.900Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)4Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)5Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
698.772M  ?P/S
 (TTM)
: 
2.63
?Net Income
 (TTM)
: 
142.572M  ?P/E
 (TTM)
: 
12.45
?Enterprise Value
 (TTM)
: 
2.021B  ?EV/FCF
 (TTM)
: 
9.92
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.36
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
282.727M  ?Debt/Equity
 (TTM)
: 
0.13
?P/B
 (TTM)
: 
1.26  ?Current Ratio
 (TTM)
: 
4.39

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
10.99Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates FCF intrinsic value between $15.67 – $16.40 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about FCF valuation

Is First Commonwealth Financial Corporation (FCF) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for First Commonwealth Financial Corporation (FCF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FCF a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FCF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FCF’s P/E ratio?

You can see FCF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FCF?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FCF a good long-term investment?

Whether FCF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FCF

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.89
MARKETSnap

Trading Metrics:

Open: 19.27   Previous Close: 19.18
Day Low: 19.21   Day High: 19.71
Year Low: 15   Year High: 19.71
Price Avg 50: 18.51   Price Avg 200: 17.44
Volume: 688449   Average Volume: 858734

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