FCF Stock Analysis: First Commonwealth Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.079m USD | 12M Return: 23.5% | US3198291078 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 21.7M
EPS Trend: -31.4%
Qual. Beats: 0
Rev. Trend: 57.2%
Qual. Beats: -1
Warnings
Tailwinds
Seasonality 11.7 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 Pennsylvania-based financial holding company founded in 1934 that provides a full suite of consumer and commercial banking products across the United States. Its consumer offerings span deposit accounts, debit and credit cards, mortgage and installment loans, and digital banking channels, while its commercial services include business lending and leasing, cash management, and ACH origination. The company also generates fee-based revenue through trust and asset management, insurance products, and brokerage services offered via a broker-dealer and insurance brokers.
As a mid-cap regional bank operating under a bank holding company structure, FCF concentrates on community-oriented lending and deposit-gathering, with notable exposure to commercial and residential real estate lending. Its diversified mix of traditional banking, wealth management, and insurance distribution reflects the typical cross-selling model used by U.S. regional banks to deepen customer relationships and stabilize earnings across interest rate cycles.
- Net interest margin expansion drives regional bank earnings
- Commercial loan growth supports Pennsylvania market expansion
- Mortgage origination volume pressured by rising rate environment
| Net Income: 168.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.36 > 1.0 |
| NWC/Revenue: -1.38k% < 20% (prev -1.29k%; Δ -95.90% < -1%) |
| CFO/TA 0.02 > 3% & CFO 191.6m > Net Income 168.3m |
| Net Debt (-1.51b) to EBITDA (120.3m): -12.56 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (102.0m) vs 12m ago -1.88% < -2% |
| Gross Margin: 62.80% > 18% (prev 64.31%; Δ -1.52% > 0.5%) |
| Asset Turnover: 5.09% > 50% (prev 5.78%; Δ -0.69% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBIT TTM 116.9m / Interest Expense TTM 197.4m) |
| A: -0.71 (Total Current Assets 1.78b - Total Current Liabilities 10.4b) / Total Assets 12.2b |
| B: 0.09 (Retained Earnings 1.12b / Total Assets 12.2b) |
| C: 0.01 (EBIT TTM 116.9m / Avg Total Assets 12.2b) |
| D: 0.15 (Book Value of Equity 1.57b / Total Liabilities 10.6b) |
| Altman-Z'' = -4.11 = D |
As of October 06, 2026, the stock is trading at USD 20.38 with a total of 1,214,926 shares traded. Over the past week, the price has changed by -0.92%, over one month by -3.41%, over three months by +0.12% and over the past year by +23.53%.
Current recommended Stop Loss: 19.60 (which is 3.8% or 2.1 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 | 24.1 | 18.1% |
P/E Trailing = 12.7764
P/E Forward = 10.5708
P/S = 4.0994
P/B = 1.3279
P/EG = 1.4616
Revenue TTM = 622.5m USD
EBIT TTM = 116.9m USD
EBITDA TTM = 120.3m USD
Long Term Debt = 121.7m USD (from longTermDebt, last quarter)
Short Term Debt = 137.9m USD (from shortTermDebt, last quarter)
Debt = 266.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 3.40m
Net Debt = -1.51b USD (calculated: Debt 266.4m - CCE 1.78b)
Enterprise Value = 568.1m USD (2.08b + Debt 266.4m - CCE 1.78b)
Interest Coverage Ratio = 0.59 (Ebit TTM 116.9m / Interest Expense TTM 197.4m)
EV/FCF = 3.17x (Enterprise Value 568.1m / FCF TTM 179.1m)
FCF Yield = 31.52% (FCF TTM 179.1m / Enterprise Value 568.1m)
FCF Margin = 28.77% (FCF TTM 179.1m / Revenue TTM 622.5m)
Net Margin = 27.04% (Net Income TTM 168.3m / Revenue TTM 622.5m)
Gross Margin = 62.80% ((Revenue TTM 622.5m - Cost of Revenue TTM 231.6m) / Revenue TTM)
Gross Margin QoQ = 11.96% (prev 67.11%)
Tobins Q-Ratio = 0.05 (Enterprise Value 568.1m / Total Assets 12.2b)
Interest Expense / Debt = 74.10% (Interest Expense 197.4m / Debt 266.4m)
Taxrate = 20.50% (43.4m / 211.8m)
NOPAT = 92.9m (EBIT 116.9m * (1 - 20.50%))
Current Ratio = 0.17 (Total Current Assets 1.78b / Total Current Liabilities 10.4b)
Debt / Equity = 0.17 (Debt 266.4m / totalStockholderEquity, last quarter 1.57b)
Debt / EBITDA = -12.56 (Net Debt -1.51b / EBITDA 120.3m)
Debt / FCF = -8.44 (Net Debt -1.51b / FCF TTM 179.1m)
Total Stockholder Equity = 1.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.38% (Net Income 168.3m / Total Assets 12.2b)
RoE = 10.83% (Net Income TTM 168.3m / Total Stockholder Equity 1.55b)
RoCE = 6.97% (EBIT 116.9m / Capital Employed (Equity 1.55b + L.T.Debt 121.7m))
RoIC = 4.85% (NOPAT 92.9m / Invested Capital 1.92b)
WACC = 6.75% (E(2.08b)/V(2.35b) * Re(7.62%) + (debt cost/tax rate unavailable))
Discount Rate = 7.62% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 28.02 | Cagr: -0.10%
[DCF] Terminal Value 77.97% ; FCFF base≈161.8m ; Y1≈185.5m ; Y5≈272.9m
[DCF] Fair Price = 55.59 (EV 4.11b - Net Debt -1.51b = Equity 5.62b / Shares 101.1m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -31.45 | EPS CAGR: -2.74% | SUE: 0.78 | # QB: 0
Revenue Correlation: 57.22 | Revenue CAGR: 4.78% | SUE: -0.94 | # QB: -1
EPS current Quarter (2026-09-30): EPS=0.46 | Chg30d=+0.09% | Revisions=+0% | Analysts=7
EPS current Year (2026-12-31): EPS=1.73 | Chg30d=-0.06% | Revisions=+17% | GrowthEPS=+12.8% | GrowthRev=+6.5%
EPS next Year (2027-12-31): EPS=1.95 | Chg30d=-0.78% | Revisions=+0% | GrowthEPS=+13.1% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: +8% (up=5, down=4)