FCF Stock Analysis: First Commonwealth Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.067m USD | 12M Return: 23.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 14.3M
EPS Trend: -58.7%
Qual. Beats: -1
Rev. Trend: 89.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
First Commonwealth Financial Corporation (NYSE: FCF) is a U.S.-based financial holding company that delivers a full suite of consumer and commercial banking products and services. Founded in 1934 and headquartered in Indiana, Pennsylvania, the company operates as a regional bank with a diversified financial services model that extends beyond traditional deposit-taking and lending into wealth and insurance distribution.
On the consumer side, FCF offers digital and telephone banking, an ATM network, checking and savings accounts (including health savings and interest-earning options), debit and credit cards, IRAs, money market accounts, investment certificates, and fixed and variable rate certificates of deposit. Lending products for retail customers include residential mortgages, construction and real estate loans, and both secured and unsecured installment loans.
For commercial clients, the company provides commercial lending and leasing, business checking accounts, online account management, cash management, repurchase agreements, and ACH origination services. It also offers trust and asset management, insurance products (auto, home, business, and term life), annuities, mutual funds, and stock and bond brokerage services through affiliated broker-dealer and insurance broker relationships. As a regional bank with a mid-cap market capitalization and a public listing dating to 1992, FCF follows the typical community-banking playbook of pairing core deposit and loan franchises with fee-generating wealth and insurance channels to diversify revenue.
- Net interest margin pressure as Fed cuts rates
- Commercial real estate loan losses weigh on earnings
- Deposit costs rise amid regional bank competition
| Net Income: 157.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.56 > 1.0 |
| NWC/Revenue: -22.06% < 20% (prev -1.24k%; Δ 1.22k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 218.4m > Net Income 157.2m |
| Net Debt (81.6m) to EBITDA (210.8m): 0.39 < 3 |
| Current Ratio: 0.42 > 1.5 & < 3 |
| Outstanding Shares: last quarter (102.4m) vs 12m ago 0.52% < -2% |
| Gross Margin: 67.80% > 18% (prev 64.18%; Δ 3.63% > 0.5%) |
| Asset Turnover: 6.15% > 50% (prev 5.94%; Δ 0.21% > 0%) |
| Interest Coverage Ratio: 1.01 > 6 (EBIT TTM 204.6m / Interest Expense TTM 203.2m) |
| A: -0.01 (Total Current Assets 118.1m - Total Current Liabilities 281.1m) / Total Assets 12.3b |
| B: 0.09 (Retained Earnings 1.09b / Total Assets 12.3b) |
| C: 0.02 (EBIT TTM 204.6m / Avg Total Assets 12.0b) |
| D: 0.14 (Book Value of Equity 1.55b / Total Liabilities 10.7b) |
| Altman-Z'' = 0.47 = B |
As of July 08, 2026, the stock is trading at USD 20.27 with a total of 579,848 shares traded. Over the past week, the price has changed by -0.10%, over one month by +5.68%, over three months by +12.47% and over the past year by +23.37%.
Current recommended Stop Loss: 19.80 (which is 2.3% or 1.2 ATR below the current price).
First Commonwealth Financial has received a consensus analysts rating of 3.83. Therefore, it is recommended to buy FCF.
- StrongBuy: 2
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 20.8 | 2.8% |
P/E Trailing = 13.375
P/E Forward = 11.6144
P/S = 4.1702
P/B = 1.3314
P/EG = 1.4616
Revenue TTM = 739.1m USD
EBIT TTM = 204.6m USD
EBITDA TTM = 210.8m USD
Long Term Debt = 128.5m USD (from longTermDebt, last quarter)
Short Term Debt = 26.9m USD (from shortTermDebt, last quarter)
Debt = 199.7m USD (from shortLongTermDebtTotal, last quarter) + Leases 3.56m
Net Debt = 81.6m USD (calculated: Debt 199.7m - CCE 118.1m)
Enterprise Value = 2.15b USD (2.07b + Debt 199.7m - CCE 118.1m)
Interest Coverage Ratio = 1.01 (Ebit TTM 204.6m / Interest Expense TTM 203.2m)
EV/FCF = 10.55x (Enterprise Value 2.15b / FCF TTM 203.7m)
FCF Yield = 9.48% (FCF TTM 203.7m / Enterprise Value 2.15b)
FCF Margin = 27.56% (FCF TTM 203.7m / Revenue TTM 739.1m)
Net Margin = 21.26% (Net Income TTM 157.2m / Revenue TTM 739.1m)
Gross Margin = 67.80% ((Revenue TTM 739.1m - Cost of Revenue TTM 238.0m) / Revenue TTM)
Gross Margin QoQ = 67.11% (prev 73.11%)
Tobins Q-Ratio = 0.18 (Enterprise Value 2.15b / Total Assets 12.3b)
Interest Expense / Debt = 101.8% (Interest Expense 203.2m / Debt 199.7m)
Taxrate = 20.45% (40.4m / 197.6m)
NOPAT = 162.7m (EBIT 204.6m * (1 - 20.45%))
Current Ratio = 0.42 (Total Current Assets 118.1m / Total Current Liabilities 281.1m)
Debt / Equity = 0.13 (Debt 199.7m / totalStockholderEquity, last quarter 1.55b)
Debt / EBITDA = 0.39 (Net Debt 81.6m / EBITDA 210.8m)
Debt / FCF = 0.40 (Net Debt 81.6m / FCF TTM 203.7m)
Total Stockholder Equity = 1.54b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.31% (Net Income 157.2m / Total Assets 12.3b)
RoE = 10.19% (Net Income TTM 157.2m / Total Stockholder Equity 1.54b)
RoCE = 12.25% (EBIT 204.6m / Capital Employed (Equity 1.54b + L.T.Debt 128.5m))
RoIC = 1.33% (NOPAT 162.7m / Invested Capital 12.2b)
WACC = 7.30% (E(2.07b)/V(2.27b) * Re(8.01%) + (debt cost/tax rate unavailable))
Discount Rate = 8.01% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 28.89 | Cagr: 0.06%
[DCF] Terminal Value 77.97% ; FCFF base≈174.3m ; Y1≈199.8m ; Y5≈294.1m
[DCF] Fair Price = 42.72 (EV 4.43b - Net Debt 81.6m = Equity 4.34b / Shares 101.7m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -58.67 | EPS CAGR: -5.05% | SUE: -1.24 | # QB: -1
Revenue Correlation: 89.38 | Revenue CAGR: 10.64% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.42 | Chg30d=-1.16% | Revisions=-29% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.46 | Chg30d=-1.08% | Revisions=-17% | Analysts=6
EPS current Year (2026-12-31): EPS=1.73 | Chg30d=-2.36% | Revisions=-57% | GrowthEPS=+12.8% | GrowthRev=+6.4%
EPS next Year (2027-12-31): EPS=1.96 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+13.8% | GrowthRev=+6.4%
[Analyst] Revisions Ratio: -39% (up=4, down=11)