First Commonwealth Financial Corporation (FCF) AI Stock Analysis

First Commonwealth Financial Corporation is a financial services provider established in 1934 and based in Indiana, Pennsylvania. The company delivers consumer banking services such as checking accounts, savings accounts, mortgage loans, credit cards, and investment solutions. For commercial clients, it provides lending options, cash management solutions, and specialized banking tools. First Commonwealth operates 118 community banking offices across Pennsylvania and Ohio, supplemented by corporate banking centers and dedicated mortgage offices. In addition to its branch network, the institution provides telephone, internet, and mobile banking services to serve its retail and commercial client base.

First Commonwealth grew annual revenue from $400.6M in FY2021 to $729.4M in FY2025, delivering a 5-year revenue CAGR of 13.0%. Over that period, net income rose from $138.3M to $152.3M, although net margin compressed from 34.5% to 20.9% and operating margin dropped from 43.1% to 27.2%. Annual free cash flow peaked at $171.4M in FY2025, up from $113.9M in FY2024. For the latest quarter ended June 30, 2026, revenue increased 9.6% year-over-year while quarterly earnings rose 37.5%. On a trailing twelve month basis, revenue stood at $507.1M with an operating margin of 45.4% and a profit margin of 33.2%.

As of June 30, 2026, the company held $1.78B in cash and short-term investments against total debt of $263.0M, resulting in net cash of $1.51B. Total assets stood at $12.21B while shareholders' equity reached $1.57B. The firm reported a debt-to-equity ratio of 0.17 and a current ratio of 0.17. In FY2025, operating cash flow was $187.5M, supporting capital expenditures of $16.1M, dividend payments of $55.5M, and share buybacks of $35.8M.

FCF closed at $20.34 on October 16, 2026, giving it a market capitalization of $2.06B and an enterprise value of $2.17B. The stock trades at a trailing P/E of 12.5x and a forward P/E of 10.6x, compared to medians of 12.1x and 10.8x for its US-listed Financial Services peer group. Its price-to-sales ratio of 4.1x sits above the peer group median of 3.2x. Over the past year, FCF shares returned 35.0%, outperforming the S&P 500 return of 16.8%, while its 5-year return of 70.3% trailed the S&P 500 return of 83.0%.

First Commonwealth pays a quarterly dividend with an annualized forward payout of $0.56 per share, yielding 2.75%. The dividend is supported by a payout ratio of 33.7%, and payments have been made for 35 consecutive years. Over the past five years, the dividend grew at an annualized rate of 4.0%. The stock's most recent ex-dividend date was August 7, 2026.

Wall Street coverage consists of 1 Strong Buy, 3 Buy, and 3 Hold ratings, with zero Sell ratings. The mean analyst price target is $24.07, representing an 18.3% premium over the last close of $20.34. For FY2026 ending December 31, 2026, analysts expect revenue of $556.9M and EPS of $1.73, indicating 12.8% earnings growth. Over the last four quarters, the bank has beaten EPS estimates 2 times. The next earnings date is scheduled for October 27, 2026.

This page is an AI-written research summary of First Commonwealth Financial Corporation (FCF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FCF income statement, FCF balance sheet, FCF key metrics, FCF analyst forecast, FCF chart. See the FCF stock overview for the latest quote and news.