FCF - First Commonwealth Financial Corporation

FCF

$20.42 +0.00 (+0.00%) Last updated: Jul 15, 2026 04:28

52-Week Range

$20.42

$15.00 $20.42 $20.87

Fundamentals Overview

First Commonwealth Financial Corporation is near the high of its 52-week range with attractive valuation, trading relatively flat today.

Valuation attractive

P/E 13.3 PEG 0.94 P/B 1.35 P/S 2.81

Intrinsic value (DCF)

+31% upside vs price

Profitability

Net margin 21.3%

Risk (Beta)

0.73 — lower vol

Earnings & growth

EPS $1.53 Rev -5% Profit -16.3% vs prior qtr

BullzEye Analysis

Our composite tilts Buy on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.

Composite Signal

Sell

Buy

Buy — 69% confidence Risk: Lower Volatility — Beta 0.73. Diversify and only invest what you can afford to lose.

Supporting (Buy):

DCF +31% upside vs price · Analyst grade: A- · Sentiment improving (5 upgrades)

Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.

Key Stats

Market Cap

$2.08B

P/E (TTM)

13.3

EPS (TTM)

$1.53

Dividend Yield

2.67%

52-Week Range

$15.00 - $20.87

Volume vs Avg

N/A

Beta

0.73

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 deposi...

Sector: Financial Services

Headquarters: US

Employees: 1,592

IPO Date: Jun 1992

Website: www.fcbanking.com

Beta: 0.73 (Less volatile than market)

Ratings & Grades at a Glance

Overall rating: A-. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 3, Equal Weight: 1, Market Perform: 7, Neutral: 4, Outperform: 10, Overweight: 5.

Financial story & AI narrative

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Valuation & Ratios

Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.

DCF vs price: DCF estimate is $26.74; current price is $20.42. That’s a +31% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.

Metric	Value
Valuation
P/E (TTM)	13.3
DCF value (model)	$26.74 (31% upside)
PEG (TTM)	0.94
P/B (TTM)	1.35
P/S (TTM)	2.81
P/FCF (TTM)	10.19
Liquidity & enterprise
Current Ratio (TTM)	4.39
Quick Ratio (TTM)	4.39
Cash Ratio (TTM)	4.39
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	21.26%
Gross margin (TTM)	67.8%
Operating margin (TTM)	27.68%
Debt to equity (TTM)	N/A

Latest News

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Price Target, Ratings & Grades

Analyst price targets, consensus, rating snapshot, and institutional grades for FCF.

Analyst Sentiment at a Glance

A- Sentiment Improving

Buy 3Equal Weight 1Market Perform 7Neutral 4Outperform 10Overweight 5

5 upgrades, 4 downgrades

Consensus Target

$29.00

High Target

$29.00

Low Target

$29.00

Median Target

$29.00

Stock Grades (Institutions)

Institution	Action	Previous Grade	New Grade	Date
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2026-01-29
Raymond James	upgrade	Market Perform	Outperform	2026-01-07
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2025-05-02
RBC Capital	maintain	Outperform	Outperform	2025-05-01
Stephens & Co.	maintain	Overweight	Overweight	2025-02-06
RBC Capital	maintain	Outperform	Outperform	2025-01-30
DA Davidson	maintain	Buy	Buy	2025-01-30
Stephens & Co.	maintain	Overweight	Overweight	2025-01-29
RBC Capital	maintain	Outperform	Outperform	2025-01-08
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2024-12-04
Piper Sandler	maintain	Neutral	Neutral	2024-10-31
Janney Montgomery Scott	downgrade	Buy	Neutral	2024-07-29
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2024-07-25
RBC Capital	maintain	Outperform	Outperform	2024-07-25
Piper Sandler	maintain	Neutral	Neutral	2024-07-25
RBC Capital	maintain	Outperform	Outperform	2024-04-09
Stephens & Co.	maintain	Overweight	Overweight	2024-02-06
RBC Capital	maintain	Outperform	Outperform	2023-10-26
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2023-07-27
Stephens & Co.	maintain	Overweight	Overweight	2023-07-26
Stephens & Co.	upgrade	Equal Weight	Overweight	2023-05-19
Raymond James	downgrade	Outperform	Market Perform	2023-02-21
Raymond James	maintain	Outperform	Outperform	2022-09-06
Stephens & Co.	downgrade	Overweight	Equal Weight	2022-08-03
Raymond James	maintain	Outperform	Outperform	2022-08-01
Raymond James	downgrade	Outperform	Market Perform	2022-07-07
B. Riley Securities	upgrade	Neutral	Buy	2022-01-27
RBC Capital	upgrade	Sector Perform	Outperform	2021-10-28
DA Davidson	upgrade	Neutral	Buy	2021-01-11
Piper Sandler	maintain	Neutral	Neutral	2020-09-28