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First Commonwealth Financial(NYSE) FCF

Current Price$20.82
Market Cap$2.12BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1990)+1,620%
5 Year+86%
1 Year+28%
1 Month+6%
First Commonwealth Financial last closing stock price
MetricPriceDate
Last closeUSD 20.832026-07-22
First Commonwealth Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.92%USD 20.642026-07-15
1 month+5.74%USD 19.702026-06-22
3 month+11.4%USD 18.702026-04-23
Year to date+25.38%USD 16.612025-12-31
1 year+28.06%USD 16.272025-07-22
3 year+66.09%USD 12.542023-07-21
5 year+85.62%USD 11.222021-07-23
Since inception+1,619.92%USD 1.211990-08-21

First Commonwealth Financial Financials at a Glance

Market Cap

$2.12BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$739.10M

Net Income (TTM)

$157.15M

EPS (TTM)

$1.52

P/E Ratio

13.74

Dividend

$0.55

Beta (Volatility)

0.76 (Low)

Price

$20.82

Volume

0

Open

$20.90

Previous Close

$20.82

Daily Range

$20.63 - $20.90

52-Week Range

$15.00 - $21.41

Estimated Earnings Date

Jul 28, 2026

FCF News

Foolcom-Featured.png

First Commonwealth (FCF) Q2 EPS Up 36%

Motley Fool Markets TeamJul 30, 2025

Which Banks Make the Best Acquisition Targets?

Mike PriceMar 21, 2021
GettyImages-854900518

3 Top Small-Cap Stocks to Buy in December

Daniel MillerDec 19, 2018

More Regional Bank Earnings

Robert EberhardApr 24, 2012

First Commonwealth Earnings Preview

Narrative ScienceApr 23, 2012

Today's Regional Bank Earnings Roundup

Robert EberhardJan 25, 2012

Is This the Best Bank in the Northeast?

Robert EberhardOct 10, 2011

4 Banks Receiving a Shaleout

Adam J. CrawfordJul 5, 2011
Page 1

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About First Commonwealth Financial

First Commonwealth helps people and businesses manage their money. It gives out loans and offers safe places for savings. The company serves neighbors in Pennsylvania and Ohio.

What Does First Commonwealth Do?

  • Consumer Banking: Personal checking accounts, savings options, and mortgages for individuals; includes a network of 132 automated teller machines.
  • Commercial Services: Business loans, payroll management, and cash services for small and large companies.
  • Insurance Agency: Auto, home, and business insurance policies alongside life insurance and annuities.
  • Wealth Management: Trust services and asset management for clients looking to grow and protect their wealth.

Strategic Moves in the Region

  • Acquired Centric and its banking subsidiary in January 2023 to enter the Harrisburg and Lancaster markets.
  • Purchased Center and its subsidiary in April 2025 to expand operations in the Cincinnati area.
  • Launched an equipment leasing and finance division in early 2022 based in suburban Philadelphia.
  • Integrated 14 branches from Santander Bank to grow the brand's presence in central Pennsylvania.

What Defines the Business

The bank maintains a regional focus with 126 community offices across 30 counties in Pennsylvania and Ohio. It crossed the $10 billion asset threshold in 2023, which changed how federal regulators oversee its operations.

The Latest Financial Score

  • Revenue reached $188.6 million in Q4 2025, up 7.6% year-over-year.
  • Net income hit $44.9 million in Q4 2025, a 25.2% increase from Q4 2024.
  • Operating cash flow grew to $51.8 million in Q4 2025, up 282.9% from the previous year.
  • Operating income rose to $63.4 million in Q4 2025, a 42.2% jump from Q4 2024.

Bottom Line

First Commonwealth has transformed from a local lender into a $12.3 billion regional financial institution. Its strategic acquisitions and service expansion in Ohio and Pennsylvania support its growth across banking and insurance sectors.

AI Generated • Apr 28, 2026

Industry

Banks

Sector

Financials

Employees

1,592

CEO

Thomas Michael Price, MBA

Website

www.fcbanking.com

Headquarters

Indiana, PA 15701, US

FCF Financials

Key Financial Metrics (TTM)

Gross Margin

67.80%

Operating Margin

27.68%

Net Income Margin

21.26%

Return on Equity

10.19%

Return on Capital

9.88%

Return on Assets

1.28%

Earnings Yield

7.28%

Dividend Yield

2.62%

Payout Ratio

35.70%

Stock Overview

Market Cap

$2.12BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

101.68M

Volume

0

Avg. Volume

719.29K

Financials (TTM)

Gross Profit

$501.15M

Operating Income

$204.56M

EBITDA

$210.79M

Operating Cash Flow

$218.48M

Capital Expenditure

-$14.76M

Free Cash Flow

$203.72M

Cash & ST Invst.

$118.13M

Total Debt

$196.15M

First Commonwealth Financial Performance Analysis

First Commonwealth Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 428,748,0007.7%
20232023-12-31USD 626,086,00046.0%
20242024-12-31USD 698,772,00011.6%
20252025-12-31USD 729,984,0004.5%
First Commonwealth Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-308.2%
Q32025-09-302.2%
Q42025-12-310.6%
Q12026-03-31-5.0%
First Commonwealth Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.37-5.4%
20232023-12-31USD 1.5413.0%
20242024-12-31USD 1.40-9.6%
20252025-12-31USD 1.475.5%
First Commonwealth Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30N/A
Q32025-09-3021.9%
Q42025-12-3110.3%
Q12026-03-31-14.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$179.29M

+5.7%

Gross Profit

$120.31M

+7.1%

Gross Margin

67.11%

N/A

Market Cap

$2.12BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.33M

N/A

Employees

1,592

N/A

Net Income

$37.55M

+14.8%

EBITDA

$49.30M

+14.1%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$118.13M

-90.4%

Total Debt

$196.15M

-42.3%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$169.25M

-35.6%

Short Term Debt

$26.91M

-65.3%

Return on Assets

1.28%

N/A

Return on Invested Capital

1.67%

N/A

Free Cash Flow

$82.46M

+62.1%

Operating Cash Flow

$86.83M

+55.4%

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Questions About FCF

What is the current price of First Commonwealth Financial?

First Commonwealth Financial is trading at $20.82 per share.

What is the 52-week range for First Commonwealth Financial?

Over the past 52 weeks, First Commonwealth Financial has traded between $15.00 and $21.41.

How much debt does First Commonwealth Financial have?

As of the most recent reporting period, First Commonwealth Financial reported total debt of $196.15M.

How much cash does First Commonwealth Financial have on hand?

First Commonwealth Financial does not have cash on hand data available.

What is First Commonwealth Financial’s dividend yield?

First Commonwealth Financial currently has a dividend yield of 2.62%.

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