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First Commonwealth Financial(NYSE) FCF

Market Cap$2.13BMarket 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)+1,653%
5 Year+87%
1 Year+29%
1 Month+2%
Premium Feature
Moneyball Superscore
59/100
$21.06
-0.89%
-0.19Today
After hours$21.09+$0.03 (+0.14%)
First Commonwealth Financial last closing stock price
MetricPriceDate
Last closeUSD 21.092026-08-21
First Commonwealth Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.45%USD 21.622026-08-14
1 month+1.91%USD 20.692026-07-22
3 month+14.13%USD 18.482026-05-22
Year to date+27.78%USD 16.512025-12-31
1 year+28.89%USD 16.362025-08-21
3 year+79.42%USD 11.752023-08-22
5 year+86.79%USD 11.292021-08-20
Since inception+1,652.83%USD 1.201990-08-21

First Commonwealth Financial Financials at a Glance

Market Cap

$2.13BMarket 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)

$622.49M

Net Income (TTM)

$168.34M

EPS (TTM)

$1.63

P/E Ratio

12.91

Dividend

$0.55

Beta (Volatility)

0.75 (Low)

Price

$21.06

Volume

639,965

Open

$21.36

Previous Close

$21.09

Daily Range

$20.94 - $21.45

52-Week Range

$15.00 - $22.34

Estimated Earnings Date

Oct 27, 2026

FCF News

SellAlert-Red.png

Insider Selling Signal: Jane Grebenc Sheds 15,000 Shares of First Commonwealth Financial

Jack DelaneyAug 20, 2026
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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
Page 1

FCF: Motley Fool Moneyball Superscore

59

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About First Commonwealth Financial

First Commonwealth Financial Corporation helps people save and borrow money. Its tools assist families and businesses with daily financial needs. The bank serves community members across the United States.

Services for Your Money

  • Interest-Earning Products: Loans and leases for businesses and individuals; accounts for 81.1% of operating revenue for the six-month period ended June 30, 2026.
  • Consumer Banking: Personal checking accounts, savings accounts, and mortgage loans for everyday financial needs.
  • Commercial Services: Lending, leasing, and cash management tools for corporate and small business clients.
  • Wealth Management: Trust, asset management, and brokerage services for individuals and institutional investors.
  • Insurance Products: Home, auto, and business coverage along with term life insurance options.

Recent Expansion Efforts

  • Acquired Center on April 30, 2025, which added $292.6 million in ending loan balances.
  • Expanded the equipment finance portfolio by $91.5 million during the first half of 2026.
  • Paid off $129.4 million in Federal Home Loan Bank debt during the first quarter of 2026.
  • Completed the early redemption of subordinated debt in the second quarter of 2026.

Setting the Bank Apart

The company maintains a diverse commercial real estate portfolio where no single property category exceeds 25% of total loans. The bank relies on its core deposit base as its primary and most stable source of funding for operations.

Key Financial Results

  • Net income was $82.1 million for the six-month period ended June 30, 2026.
  • Net interest margin reached 3.97% for the six-month period ended June 30, 2026, up from 3.73% year over year.
  • Total deposits reached $10.3 billion as of June 30, 2026.
  • Market capitalization was $2.1 billion in the second quarter of 2026, up 22.9% year over year.

A Summary of Company Evolution

First Commonwealth has transitioned from a local lender into a diversified financial services provider. Its acquisition strategy and focus on interest-earning assets support its steady growth in the regional banking sector.

AI Generated • Aug 11, 2026

Industry

Banks

Sector

Financials

Employees

1,562

CEO

Thomas Michael Price, MBA

Website

www.fcbanking.com

Headquarters

Indiana, PA 15701, US

FCF Financials

Key Financial Metrics (TTM)

Gross Margin

62.80%

Operating Margin

18.78%

Net Income Margin

27.04%

Return on Equity

10.83%

Return on Capital

9.88%

Return on Assets

1.38%

Earnings Yield

7.75%

Dividend Yield

2.61%

Payout Ratio

33.37%

Stock Overview

Market Cap

$2.13BMarket 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

101.06M

Volume

639.97K

Avg. Volume

784.42K

Financials (TTM)

Gross Profit

$390.90M

Operating Income

$116.89M

EBITDA

$120.27M

Operating Cash Flow

$191.72M

Capital Expenditure

-$12.65M

Free Cash Flow

$179.07M

Cash & ST Invst.

$1.78B

Total Debt

$263.03M

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
Q32025-09-302.2%
Q42025-12-310.6%
Q12026-03-31-5.0%
Q22026-06-30-62.6%
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
Q32025-09-3021.9%
Q42025-12-3110.3%
Q12026-03-31-14.0%
Q22026-06-3018.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$66.99M

-63.5%

Gross Profit

$8.02M

-93.2%

Gross Margin

11.96%

N/A

Market Cap

$2.13BMarket 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

$1.34M

N/A

Employees

1,589

N/A

Net Income

$44.59M

+33.5%

EBITDA

-$47.67M

-211.2%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$1.78B

+46.9%

Total Debt

$263.03M

-46.1%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$125.08M

-52.3%

Short Term Debt

$137.95M

-38.9%

Return on Assets

1.38%

N/A

Return on Invested Capital

6.46%

N/A

Free Cash Flow

$380.00K

-98.5%

Operating Cash Flow

$3.64M

-88.0%

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Questions About FCF

What is the current price of First Commonwealth Financial?

First Commonwealth Financial is trading at $21.09 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 $22.34.

How much debt does First Commonwealth Financial have?

As of the most recent reporting period, First Commonwealth Financial reported total debt of $303.61M.

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 2.61%.

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