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
Vol1.00M
As of25 Sep 2026

The Verdict

Hold

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/E12.75x
Forward P/E10.64x
P / S (ttm)4.17x
Profit margin33.2%
Return on equity10.9%
Revenue growth+9.6%
Earnings growth+37.5%

Layer Breakdown

LayerRawContribution
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.

United States · www.fcbanking.com

Risk Metrics

Beta vs SPX0.69
Corr SPX0.42
Annual vol26.2%
Annual ret+13.4%
Sharpe0.51
Max DD-27.5%

Window: 504 trading days (504 obs)

Material Events

DateEvent8-K
2026-07-31Bylaws Amendment, Exhibitsread
2026-07-28Earnings Release, Reg FD Disclosure…read
2026-05-01Shareholder Vote, Exhibitsread
2026-04-28Earnings Release, Reg FD Disclosure…read
2026-04-15Other Material Event, Exhibitsread
2026-01-28Earnings Release, Officer / Director Change…read
2025-12-01Reg FD Disclosure, Exhibitsread
2025-11-04Officer / Director Change, Reg FD Disclosure…read
2025-10-28Earnings Release, Reg FD Disclosure…read
2025-08-04Officer / Director Change, Exhibitsread
2025-07-30Earnings Release, Reg FD Disclosure…read
2025-05-01Shareholder Vote, Exhibitsread

Insider Trades

DateInsiderRoleActionSharesValue
2026-08-10Lyon Lee E IIEVP / Chief Audit ExecutiSell4.54K$97.45K
2026-08-10Lyon Lee E IIEVP / Chief Audit ExecutiSell3.65K$78.39K
2026-08-10Lyon Lee E IIEVP / Chief Audit ExecutiSell4.00K$85.90K
2026-08-10Lyon Lee E IIEVP / Chief Audit ExecutiSell4.81K$103.16K
2026-08-10Lyon Lee E IIEVP / Chief Audit ExecutiSell3.00K$64.37K
2026-08-10Lyon Lee E IIEVP / Chief Audit ExecutiSell5.00K$107.30K
2026-08-06Grebenc JaneSell1.34K$29.16K
2026-08-06Grebenc JaneSell302$6.55K
2026-08-06Grebenc JaneSell9.75K$211.49K
2026-08-06Grebenc JaneSell3.30K$71.51K

Flow & Concentration

Insider 180d net-$1.81M
Insider buys / sells1 / 54
Insider biasNeutral
13F holders0
Top-5 share0.0%
HHI0 (—)

SEC Filings

DateFormDoc
2026-08-1213F-HRview
2026-08-104view
2026-08-1010-Qview
2026-08-104view
2026-08-064view
2026-07-318-Kview
2026-07-288-Kview
2026-07-074view
2026-07-024view
2026-06-084view
2026-06-044view
2026-05-184view
2026-05-1413F-HRview
2026-05-1110-Qview
2026-05-064view

The Long Run

FY 2011–2025 · 15 years

LineLatestCAGRTrend
Net income$152.30M+14.5%
Cash from ops$150.76M+2.2%

Indices

S&P SmallCap 600

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$21.05$21.11$20.89$20.911.00M
Sep 24$20.72$21.02$20.69$20.94913.80K
Sep 23$20.70$20.85$20.62$20.62961.50K
Sep 22$21.21$21.27$20.74$20.741.41M
Sep 21$21.13$21.32$21.03$21.031.19M

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