FCF
First Commonwealth Financial Corporation
Price Chart
Latest Quote
$19.70
+0.17 (+0.87%)
Current Price
| Previous Close | $19.53 |
| Open | $19.52 |
| Day High | $19.77 |
| Day Low | $19.32 |
| Volume | 376,331 |
Stock Information
| Quarterly Dividend / Yield | $0.56 / 2.87% |
| Shares Outstanding | 101.68M |
| Quarterly Dividend Yield | 2.87% |
| Quarterly Dividend | $0.56 |
| Total Debt | $210.01M |
| Cash Equivalents | $357.27M |
| Revenue | $495.72M |
| Net Income | $157.15M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $2.00B |
| P/E Ratio | 12.96 |
| EPS (TTM) | $1.52 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.83B |
| Sales | $495.72M |
| Income | $157.15M |
| Book/sh | $15.33 |
| Cash/sh | $3.51 |
| Employees | 2K |
Financial Ratios
| EPS Growth TTM | 14.80% |
Returns & Margins
| ROA | 1.31% |
| ROE | 10.48% |
| Operating Margin | 41.84% |
| Profit Margin | 31.70% |
Ownership
| Insider Ownership | 1.70% |
| Institutional Ownership | 78.96% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.03 |
| PEG | 1.46 |
| P/S | 4.04 |
| P/B | 1.29 |
Analyst Data
| Recommendation | none |
| Target Price | $20.83 |
Technical Indicators
| SMA20 | $19.20 |
| SMA50 | $18.75 |
| SMA200 | $17.32 |
| RSI | 68.29 |
| ATR | 0.4111 |
| Shares Float | 98.90M |
| Short Float | 3.52% |
| Short Ratio | 3.92 |
| Volatility | 0.75 |
| Rel Volume | 0.52 |
Performance History
| Week | -1.05% |
| Month | +5.35% |
| Quarter | +17.87% |
| 6 Months | +13.79% |
| YTD | +19.22% |
| Year | +32.30% |
| 3 Years | +57.76% |
| 5 Years | +59.78% |
| 10 Years | +188.93% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $19.70 | 376,331 |
| 2026-06-18 | $19.53 | 1,320,400 |
| 2026-06-17 | $19.39 | 808,500 |
| 2026-06-16 | $19.65 | 786,100 |
| 2026-06-15 | $19.63 | 558,200 |
| 2026-06-12 | $19.91 | 639,400 |
| 2026-06-11 | $19.60 | 887,300 |
| 2026-06-10 | $19.53 | 729,600 |
| 2026-06-09 | $19.35 | 769,200 |
| 2026-06-08 | $19.18 | 546,000 |
| 2026-06-05 | $19.11 | 644,100 |
| 2026-06-04 | $18.95 | 1,128,300 |
| 2026-06-03 | $18.63 | 780,200 |
| 2026-06-02 | $19.00 | 563,800 |
| 2026-06-01 | $18.65 | 728,500 |
| 2026-05-29 | $18.94 | 808,300 |
| 2026-05-28 | $18.90 | 684,400 |
| 2026-05-27 | $18.77 | 542,200 |
| 2026-05-26 | $18.88 | 621,600 |
About First Commonwealth Financial Corporation
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.
đ° Latest News
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $522,911,000 | $478,123,000 | $482,285,000 | $410,929,000 |
| Operating Revenue | $522,911,000 | $478,123,000 | $482,285,000 | $410,929,000 |
| Expenses | ||||
| Interest Expense | $206,601,000 | $221,571,000 | $144,322,000 | $17,732,000 |
| Selling And Marketing Expense | $6,447,000 | $5,535,000 | $5,713,000 | $5,031,000 |
| General And Administrative Expense | $170,098,000 | $155,260,000 | $149,131,000 | $128,902,000 |
| Professional Expense And Contract Services Expense | $6,892,000 | $5,533,000 | $5,919,000 | $4,894,000 |
| Other Non Interest Expense | $59,055,000 | $56,354,000 | $53,763,000 | $49,117,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $152,302,000 | $142,572,000 | $157,063,000 | $128,181,000 |
| Net Interest Income | $423,390,000 | $376,838,000 | $382,667,000 | $311,344,000 |
| Interest Income | $629,991,000 | $598,409,000 | $526,989,000 | $329,076,000 |
| Normalized Income | $158,636,568 | $147,214,582 | $168,097,281 | $132,085,205 |
| Net Income From Continuing And Discontinued Operation | $152,302,000 | $142,572,000 | $157,063,000 | $128,181,000 |
| Net Income Common Stockholders | $152,302,000 | $142,572,000 | $157,063,000 | $128,181,000 |
| Net Income | $152,302,000 | $142,572,000 | $157,063,000 | $128,181,000 |
| Net Income Including Noncontrolling Interests | $152,302,000 | $142,572,000 | $157,063,000 | $128,181,000 |
| Net Income Continuous Operations | $152,302,000 | $142,572,000 | $157,063,000 | $128,181,000 |
| Pretax Income | $191,358,000 | $178,208,000 | $197,555,000 | $160,185,000 |
| Special Income Charges | $-7,958,000 | $-5,803,000 | $-13,879,000 | $-4,879,000 |
| Depreciation Amortization Depletion Income Statement | $5,503,000 | $5,024,000 | $4,983,000 | $3,196,000 |
| Depreciation And Amortization In Income Statement | $5,503,000 | $5,024,000 | $4,983,000 | $3,196,000 |
| Amortization Of Intangibles Income Statement | $5,503,000 | $5,024,000 | $4,983,000 | $3,196,000 |
| Per Share | ||||
| Diluted EPS | $1.48 | $1.39 | $1.54 | $1.37 |
| Basic EPS | $1.48 | $1.40 | $1.54 | $1.37 |
| Other | ||||
| Tax Effect Of Unusual Items | $-1,623,432 | $-1,160,418 | $-2,844,719 | $-974,795 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-7,958,000 | $-5,803,000 | $-13,879,000 | $-4,879,000 |
| Total Unusual Items Excluding Goodwill | $-7,958,000 | $-5,803,000 | $-13,879,000 | $-4,879,000 |
| Reconciled Depreciation | $6,626,000 | $5,688,000 | $4,104,000 | $10,552,000 |
| Diluted Average Shares | $103,524,130 | $102,205,497 | $102,114,664 | $93,489,398 |
| Basic Average Shares | $102,840,771 | $101,758,450 | $102,114,664 | $93,376,314 |
| Diluted NI Availto Com Stockholders | $152,302,000 | $142,572,000 | $157,063,000 | $128,181,000 |
| Tax Provision | $39,056,000 | $35,636,000 | $40,492,000 | $32,004,000 |
| Other Special Charges | $3,579,000 | $5,043,000 | $4,845,000 | $3,177,000 |
| Restructuring And Mergern Acquisition | $4,379,000 | $391,000 | $9,034,000 | $1,702,000 |
| Gain On Sale Of Security | $672,000 | $172,000 | $-89,000 | $370,000 |
| Amortization | $5,503,000 | $5,024,000 | $4,983,000 | $3,196,000 |
| Selling General And Administration | $176,545,000 | $160,795,000 | $154,844,000 | $133,933,000 |
| Insurance And Claims | $6,117,000 | $5,973,000 | $6,260,000 | $2,871,000 |
| Salaries And Wages | $163,981,000 | $149,287,000 | $142,871,000 | $126,031,000 |
| Occupancy And Equipment | $38,875,000 | $37,236,000 | $36,529,000 | $33,619,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-20
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,154,147,000 | $1,021,813,000 | $927,739,000 | $739,541,000 |
| Total Assets | $12,343,036,000 | $11,584,936,000 | $11,459,488,000 | $9,805,666,000 |
| Goodwill And Other Intangible Assets | $400,229,000 | $383,352,000 | $386,535,000 | $312,533,000 |
| Other Intangible Assets | $22,015,000 | $19,637,000 | $22,820,000 | $9,205,000 |
| Cash And Cash Equivalents | $180,362,000 | $133,409,000 | $146,993,000 | $154,244,000 |
| Cash Financial | $103,280,000 | $105,051,000 | $125,436,000 | $124,254,000 |
| Cash Cash Equivalents And Federal Funds Sold | $180,362,000 | $133,409,000 | $146,993,000 | $154,244,000 |
| Debt | ||||
| Net Debt | $202,659,000 | $180,249,000 | $597,870,000 | $306,555,000 |
| Total Debt | $386,742,000 | $317,985,000 | $749,757,000 | $466,224,000 |
| Long Term Debt And Capital Lease Obligation | $261,742,000 | $262,985,000 | $186,757,000 | $181,224,000 |
| Long Term Debt | $258,021,000 | $258,658,000 | $181,863,000 | $175,799,000 |
| Current Debt And Capital Lease Obligation | $125,000,000 | $55,000,000 | $563,000,000 | $285,000,000 |
| Current Debt | $125,000,000 | $55,000,000 | $563,000,000 | $285,000,000 |
| Other Current Borrowings | $125,000,000 | $55,000,000 | $563,000,000 | $285,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $10,788,660,000 | $10,179,771,000 | $10,145,214,000 | $8,753,592,000 |
| Equity | ||||
| Common Stock Equity | $1,554,376,000 | $1,405,165,000 | $1,314,274,000 | $1,052,074,000 |
| Total Equity Gross Minority Interest | $1,554,376,000 | $1,405,165,000 | $1,314,274,000 | $1,052,074,000 |
| Stockholders Equity | $1,554,376,000 | $1,405,165,000 | $1,314,274,000 | $1,052,074,000 |
| Gains Losses Not Affecting Retained Earnings | $-64,600,000 | $-102,514,000 | $-111,756,000 | $-137,692,000 |
| Retained Earnings | $1,067,895,000 | $971,082,000 | $881,112,000 | $774,863,000 |
| Other | ||||
| Treasury Shares Number | $23,759,220 | $21,844,930 | $21,488,716 | $20,538,588 |
| Ordinary Shares Number | $102,840,771 | $101,758,450 | $102,114,664 | $93,376,314 |
| Share Issued | $126,599,991 | $123,603,380 | $123,603,380 | $113,914,902 |
| Tangible Book Value | $1,154,147,000 | $1,021,813,000 | $927,739,000 | $739,541,000 |
| Invested Capital | $1,937,397,000 | $1,718,823,000 | $2,059,137,000 | $1,512,873,000 |
| Capital Lease Obligations | $3,721,000 | $4,327,000 | $4,894,000 | $5,425,000 |
| Total Capitalization | $1,812,397,000 | $1,663,823,000 | $1,496,137,000 | $1,227,873,000 |
| Treasury Stock | $251,264,000 | $218,373,000 | $208,839,000 | $196,443,000 |
| Additional Paid In Capital | $675,745,000 | $631,367,000 | $630,154,000 | $497,431,000 |
| Capital Stock | $126,600,000 | $123,603,000 | $123,603,000 | $113,915,000 |
| Common Stock | $126,600,000 | $123,603,000 | $123,603,000 | $113,915,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $3,721,000 | $4,327,000 | $4,894,000 | $5,425,000 |
| Investments And Advances | $1,571,911,000 | $1,584,216,000 | $1,490,866,000 | $1,250,237,000 |
| Held To Maturity Securities | $517,618,000 | $405,639,000 | $419,009,000 | $461,162,000 |
| Available For Sale Securities | $91,797,000 | $30,954,000 | $50,871,000 | $26,414,000 |
| Goodwill | $378,214,000 | $363,715,000 | $363,715,000 | $303,328,000 |
| Net PPE | $114,283,000 | $116,108,000 | $121,015,000 | $115,106,000 |
| Accumulated Depreciation | $-191,555,000 | $-185,815,000 | $-191,311,000 | $-179,813,000 |
| Gross PPE | $305,838,000 | $301,923,000 | $312,326,000 | $294,919,000 |
| Leases | $42,220,000 | $40,765,000 | $39,752,000 | $37,398,000 |
| Other Properties | $53,654,000 | $56,097,000 | $59,367,000 | $51,499,000 |
| Machinery Furniture Equipment | $117,448,000 | $115,527,000 | $124,086,000 | $121,318,000 |
| Buildings And Improvements | $77,702,000 | $75,063,000 | $74,622,000 | $70,844,000 |
| Land And Improvements | $14,814,000 | $14,471,000 | $14,499,000 | $13,860,000 |
| Other Short Term Investments | $962,496,000 | $1,147,623,000 | $1,020,986,000 | $762,661,000 |
Fetched: 2026-06-20
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $171,451,000 | $113,917,000 | $128,725,000 | $140,206,000 |
| Operating Activities | ||||
| Operating Cash Flow | $187,540,000 | $129,463,000 | $150,759,000 | $151,413,000 |
| Cash Flow From Continuing Operating Activities | $187,540,000 | $129,463,000 | $150,759,000 | $151,413,000 |
| Operating Gains Losses | $-13,793,000 | $-13,962,000 | $-10,048,000 | $-11,556,000 |
| Investing Activities | ||||
| Capital Expenditure | $-16,089,000 | $-15,546,000 | $-22,034,000 | $-11,207,000 |
| Investing Cash Flow | $-388,226,000 | $-121,723,000 | $-574,273,000 | $-588,788,000 |
| Cash Flow From Continuing Investing Activities | $-388,226,000 | $-121,723,000 | $-574,273,000 | $-588,788,000 |
| Net Other Investing Changes | $5,527,000 | $30,913,000 | $-4,239,000 | $370,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-35,792,000 | $-12,630,000 | $-14,965,000 | $-15,598,000 |
| Issuance Of Capital Stock | $245,000 | $204,000 | $245,000 | $245,000 |
| Financing Cash Flow | $247,639,000 | $-21,324,000 | $416,263,000 | $196,247,000 |
| Cash Flow From Continuing Financing Activities | $247,639,000 | $-21,324,000 | $416,263,000 | $196,247,000 |
| Cash Dividends Paid | $-55,489,000 | $-52,602,000 | $-50,814,000 | $-44,578,000 |
| Common Stock Dividend Paid | $-55,489,000 | $-52,602,000 | $-50,814,000 | $-44,578,000 |
| Net Common Stock Issuance | $-35,547,000 | $-12,426,000 | $-14,720,000 | $-15,353,000 |
| Common Stock Issuance | $245,000 | $204,000 | $245,000 | $245,000 |
| Other | ||||
| Repayment Of Debt | $-21,689,000 | $-51,336,000 | $-1,271,000 | $-1,208,000 |
| Issuance Of Debt | $0 | $127,000,000 | $0 | $0 |
| Interest Paid Supplemental Data | $207,503,000 | $220,151,000 | $139,872,000 | $16,396,000 |
| Income Tax Paid Supplemental Data | $34,662,000 | $32,201,000 | $37,526,000 | $34,326,000 |
| End Cash Position | $180,362,000 | $133,409,000 | $146,993,000 | $154,244,000 |
| Beginning Cash Position | $133,409,000 | $146,993,000 | $154,244,000 | $395,372,000 |
| Changes In Cash | $46,953,000 | $-13,584,000 | $-7,251,000 | $-241,128,000 |
| Common Stock Payments | $-35,792,000 | $-12,630,000 | $-14,965,000 | $-15,598,000 |
| Net Issuance Payments Of Debt | $43,638,000 | $-442,032,000 | $51,136,000 | $233,171,000 |
| Net Short Term Debt Issuance | $65,327,000 | $-517,696,000 | $52,407,000 | $234,379,000 |
| Net Long Term Debt Issuance | $-21,689,000 | $75,664,000 | $-1,271,000 | $-1,208,000 |
| Long Term Debt Payments | $-21,689,000 | $-51,336,000 | $-1,271,000 | $-1,208,000 |
| Long Term Debt Issuance | $0 | $127,000,000 | $0 | $0 |
| Net Investment Purchase And Sale | $79,905,000 | $-116,020,000 | $-164,701,000 | $225,002,000 |
| Sale Of Investment | $434,506,000 | $376,602,000 | $173,889,000 | $225,202,000 |
| Purchase Of Investment | $-354,601,000 | $-492,622,000 | $-338,590,000 | $-200,000 |
| Net Business Purchase And Sale | $4,672,000 | $0 | $14,492,000 | $0 |
| Net PPE Purchase And Sale | $-16,089,000 | $-15,546,000 | $-22,034,000 | $-11,207,000 |
| Purchase Of PPE | $-16,089,000 | $-15,546,000 | $-22,034,000 | $-11,207,000 |
| Change In Working Capital | $-908,000 | $3,681,000 | $-8,446,000 | $-10,235,000 |
| Change In Payables And Accrued Expense | $-1,037,000 | $397,000 | $392,000 | $-3,389,000 |
| Change In Payable | $-1,037,000 | $397,000 | $392,000 | $-3,389,000 |
| Change In Account Payable | $-1,033,000 | $1,215,000 | $5,001,000 | $1,172,000 |
| Change In Tax Payable | $-4,000 | $-818,000 | $-4,609,000 | $-4,561,000 |
| Change In Income Tax Payable | $-4,000 | $-818,000 | $-4,609,000 | $-4,561,000 |
| Change In Receivables | $129,000 | $3,284,000 | $-8,838,000 | $-6,846,000 |
| Changes In Account Receivables | $129,000 | $3,284,000 | $-8,838,000 | $-6,846,000 |
| Other Non Cash Items | $3,532,000 | $-41,837,000 | $-14,898,000 | $13,349,000 |
| Deferred Tax | $3,036,000 | $3,414,000 | $6,843,000 | $-2,011,000 |
| Deferred Income Tax | $3,036,000 | $3,414,000 | $6,843,000 | $-2,011,000 |
| Depreciation Amortization Depletion | $6,626,000 | $5,688,000 | $4,104,000 | $10,552,000 |
| Depreciation And Amortization | $6,626,000 | $5,688,000 | $4,104,000 | $10,552,000 |
| Gain Loss On Investment Securities | $-13,793,000 | $-14,331,000 | $-10,048,000 | $-11,556,000 |
| Net Income From Continuing Operations | $152,302,000 | $142,572,000 | $157,063,000 | $128,181,000 |
| Sale Of Business | - | - | - | - |
Fetched: 2026-06-20