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Stock Evaluator: First Commonwealth Financial Corporation (FCF)

First Commonwealth Financial Corporation FCF

$21.53 -0.06 -0.28%
July 31, 2026 4:00:03 PM EST November 10, 2021 Volume: 1,064,987
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NYSE | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
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.

Commentary & Analysis

Financial Summary

Share Statistics FCF Industry
Median		 Percentile
(All Stocks)
Market Cap (Mil) $2,168.3 $716.9 55%
Shares Out (Mil) 102.4 15.7 63%
Institutional Ownership 97.1% 83.0% 73%
Float (Mil) 98.3 21.2 61%
Beta 0.73 0.48 43%
Avg Daily Volume (000s) 991 53 70%
Price Change
(52-week)		 31.8% 96.7% 70%
Growth FCF Industry
Median		 Percentile
(All Stocks)
Sales (5yr) 9.7% 7.6% 57%
Net Income (5yr) 15.7% 11.1% 65%
EPS (5yr) 14.4% 10.1% 54
Dividends (5yr) 4.2% 3.6% 70%
Cash Flow (5yr) (28.5%) (17.0%) 21%
Estimates Qtrly Current
Fiscal
Year		 Next
Fiscal
Year
# of Estimates 6 6 6
Current EPS $0.455 $1.723 $1.965
Month Ago EPS $0.457 $1.725 $1.963
# Rev Up 1 2 4
# Rev Down 1 1 0
Three Months Ago EPS $0.457 $1.732 $1.963
Year/Year Chg 23.6% 17.2% na
Financials FCF Industry
Median		 Percentile
(All Stocks)
Sales (TTM) (Mil) $496 $190 41%
Net Income (TTM) (Mil) $157 $51 66%
EPS (TTM) $1.520 $2.500 67%
Operating Cash Flow (TTM) (Mil) $219 $34 60%
Net Cash Flow (TTM) (Mil) $202 $1 85%
Long-Term Debt (Q1) (Mil) $169 $100 48%
Enterprise Value (Q1) (Mil) na $0 na
Valuation FCF Industry
Median		 Percentile
(All Stocks)
P/B 1.40 1.27 37%
P/E 14.2 12.9 33%
Dividend Yield 2.6% 2.2% 81%
PEG (5yr hist) 1.0 1.1 44%
Ratios FCF Industry
Median		 Percentile
(All Stocks)
Gross Margin na 68.8% na
Net Margin 33.2% 28.9% 91%
ROA 1.3% 1.0% 50%
ROE 10.5% 11.1% 59%
Liabilities to Assets 87.3% 89.8% 81%
F-Score 5 4 51%

Passing Stock Screens

As of 7/31/2026, from a list of 60 stock screening strategies, FCF meetings the criteria of 1 screen:
Stock Screen
GURU STRATEGY

Graham--Defensive Investor (Utility) Screen

Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength. 
Performance Since Inception: 6.9%
+/- S&P 500: -0.6

Passing Stocks

1st Source Corporation SRCE
Aflac Incorporated AFL
Amalgamated Financial Corp. AMAL
American Financial Group, Inc. AFG
Ameris Bancorp ABCB
See All 182 Stocks (as of 7/31/2026)

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

Ⓒ 2026 American Association of Individual Investors