FCF logo

FIRST COMMONWEALTH FINL CORP

FCFNYSE
πŸ† #1862 by market capEarnings Oct 26US Equity
$21.61β–² $0.07 (+0.33%)
Live
1hβ–² 0.1%
24hβ–² 0.3%
7dβ–Ό 0.3%
14dβ–Ό 0.9%
30dβ–² 5.9%
1yβ–² 28.4%
🏦Market Cap
$2.20B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+4.3%
Slowing
πŸ“ŠGross Margin
62.8%
High
πŸ’΅FCF Margin
28.8%
Strong
βš–οΈP/S Ratio
3.5x
Fair
Otter Score
67
Fair

Trading Snapshot

Day Range
$21.42 – $21.99
52-Week Range
$15.00 – $22.34
Volume
$3.73B
Avg Volume
$4.29B
Shares Outstanding
101.7M
Next Earnings
Oct 9, 2026

Fundamentals Snapshot

Annual Revenue
$729M
Last Q Revenue
$67M
P/E Ratio
13.2
P/S Ratio
3.5x
EPS (TTM)
$1.65
Dividend Yield
2.54%

Why Investors Own FCF

  • βœ“High-growth profile β€” revenue up +15.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 40% gross margin and 11% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$729Mβ–² +11.1% YoY
Gross Margin (TTM)
40.0%β–Ό βˆ’0.4% YoY
Operating Income (TTM)
$263Mβ–² +11.1% YoY
Free Cash Flow (TTM)
$82Mβ–² +11.1% YoY

About FIRST COMMONWEALTH FINL CORP

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.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
67/100

Analyst Ratings

β“˜
Consensus
Buy
10 analysts
Strong Buy2
Buy5
Hold3
Sell0
Strong Sell0
Ratings as of Aug 2026

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