Inside the research
First Commonwealth Financial Corporation
FCF Research profile · latest available data
Price overview
$20.91
▼ -0.03 (-0.1%)
| 52w hi | $21.81 |
|---|---|
| 52w lo | $14.84 |
| Vol | 1.00M |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.46
| Short | +0.37 |
|---|---|
| Medium | +0.50 |
| Long | +0.53 |
computed 2026-09-27
Key fundamentals
First Commonwealth Financial Corporation
Financial Services · Banks - Regional
| Market cap | $2.11B |
|---|---|
| Enterprise value | $2.23B |
| Trailing P/E | 12.75x |
| Forward P/E | 10.64x |
| P / S (ttm) | 4.17x |
| Profit margin | 33.2% |
| Return on equity | 10.9% |
| Revenue growth | +9.6% |
| Earnings growth | +37.5% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.37 | |
| Sector | +0.02 | |
| Technical | +0.31 | |
| Earnings | +0.00 | |
| Sentiment | -0.03 |
macro × 1.00 · 2026-09-27
Business overview
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.
Risk Metrics
| Beta vs SPX | 0.69 |
|---|---|
| Corr SPX | 0.42 |
| Annual vol | 26.2% |
| Annual ret | +13.4% |
| Sharpe | 0.51 |
| Max DD | -27.5% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-31 | Bylaws Amendment, Exhibits | read |
| 2026-07-28 | Earnings Release, Reg FD Disclosure… | read |
| 2026-05-01 | Shareholder Vote, Exhibits | read |
| 2026-04-28 | Earnings Release, Reg FD Disclosure… | read |
| 2026-04-15 | Other Material Event, Exhibits | read |
| 2026-01-28 | Earnings Release, Officer / Director Change… | read |
| 2025-12-01 | Reg FD Disclosure, Exhibits | read |
| 2025-11-04 | Officer / Director Change, Reg FD Disclosure… | read |
| 2025-10-28 | Earnings Release, Reg FD Disclosure… | read |
| 2025-08-04 | Officer / Director Change, Exhibits | read |
| 2025-07-30 | Earnings Release, Reg FD Disclosure… | read |
| 2025-05-01 | Shareholder Vote, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-10 | Lyon Lee E II | EVP / Chief Audit Executi | Sell | 4.54K | $97.45K |
| 2026-08-10 | Lyon Lee E II | EVP / Chief Audit Executi | Sell | 3.65K | $78.39K |
| 2026-08-10 | Lyon Lee E II | EVP / Chief Audit Executi | Sell | 4.00K | $85.90K |
| 2026-08-10 | Lyon Lee E II | EVP / Chief Audit Executi | Sell | 4.81K | $103.16K |
| 2026-08-10 | Lyon Lee E II | EVP / Chief Audit Executi | Sell | 3.00K | $64.37K |
| 2026-08-10 | Lyon Lee E II | EVP / Chief Audit Executi | Sell | 5.00K | $107.30K |
| 2026-08-06 | Grebenc Jane | Sell | 1.34K | $29.16K | |
| 2026-08-06 | Grebenc Jane | Sell | 302 | $6.55K | |
| 2026-08-06 | Grebenc Jane | Sell | 9.75K | $211.49K | |
| 2026-08-06 | Grebenc Jane | Sell | 3.30K | $71.51K |
Flow & Concentration
| Insider 180d net | -$1.81M |
|---|---|
| Insider buys / sells | 1 / 54 |
| Insider bias | Neutral |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
SEC Filings
The Long Run
FY 2011–2025 · 15 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Net income | $152.30M | +14.5% | |
| Cash from ops | $150.76M | +2.2% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $21.05 | $21.11 | $20.89 | $20.91 | 1.00M |
| Sep 24 | $20.72 | $21.02 | $20.69 | $20.94 | 913.80K |
| Sep 23 | $20.70 | $20.85 | $20.62 | $20.62 | 961.50K |
| Sep 22 | $21.21 | $21.27 | $20.74 | $20.74 | 1.41M |
| Sep 21 | $21.13 | $21.32 | $21.03 | $21.03 | 1.19M |
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