NYQ · Banks - Regional

First Commonwealth Financial Corporation (FCF) Stock

$21.10 +0.19% NYQ: FCF Financial Services

Valuation

MetricValue
Price$21.10
Market Cap$2.13B
P/E Ratio12.54
P/B Ratio1.34
P/S Ratio3.36
EPS (TTM)$1.47
52-Week High$22.34
52-Week Low$15.00
Dividend Yield2.72%

Financials & Margins

MetricValue
ROE10.83%
ROA1.38%
ROCE6.46%
Gross Margin27.16%
Operating Margin27.16%
Net Margin27.04%
Debt/Equity0.13
Current Ratio0.37

Annual Financials (USD)

Metric20212022202320242025
Revenue$401.0M$429.0M$627.0M$700.0M$729.0M
Operating Profit$173.0M$160.0M$198.0M$178.0M$198.0M
Net Profit$138.0M$128.0M$157.0M$143.0M$152.0M
EPS$1.44$1.37$1.54$1.39$1.47
Op Margin43.1%37.4%31.5%25.5%27.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$9.5B$9.8B$11.5B$11.6B$12.4B
Total Liabilities$8.4B$8.8B$10.1B$10.2B$10.8B
Cash$395.0M$154.0M$147.0M$133.0M$103.0M
Borrowings$321.0M$554.0M$785.0M$343.0M$452.0M

Latest News

FCF: What does Argus have to say about FCF? Argus Research · Jul 15, 2026 First Commonwealth to Host Second Quarter 2026 Earnings Release Conference Call and Webcast on Wednesday, July 29, 2026 GlobeNewswire · Jul 14, 2026 3 Reasons to Avoid FCF and 1 Stock to Buy Instead StockStory · Jul 3, 2026 RBC Capital Adjusts First Commonwealth Financial Price Target to $23 From $21, Maintains Outperform Rating MT Newswires · Jul 1, 2026 1 Momentum Stock with Competitive Advantages and 2 Facing Challenges StockStory · Jun 30, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$165.0M$151.0M$151.0M$129.0M$188.0M
Investing Cash Flow$-576.0M$-600.0M$-596.0M$-137.0M$-404.0M
Financing Cash Flow$513.0M$7.0M$416.0M$473.0M$259.0M
Net Cash Flow$39.0M$-241.0M$-7.0M$-14.0M$47.0M
Free Cash Flow$154.0M$140.0M$129.0M$114.0M$171.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.48
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y28.06%
Return 3Y66.09%
Return 5Y85.62%

Ownership

Insiders Held1.69%
Institutions Held78.99%
Institutions Float Held80.35%
Institutional HolderSharesReport Date
Blackrock Inc.14,726,5722026-03-31
Dimensional Fund Advisors LP6,360,2802026-03-31
Vanguard Portfolio Management LLC6,226,1352026-03-31
State Street Corporation4,917,6662026-03-31
Vanguard Capital Management LLC4,414,2872026-03-31

About First Commonwealth Financial Corporation

First Commonwealth Financial Corporation (FCF) stock trades at $21.10 with a market capitalization of $2.13B. The stock is valued at a price-to-earnings (P/E) ratio of 12.54, price-to-book of 1.34, price-to-sales of 3.36. Over the past 52 weeks the stock has ranged between $15.00 and $22.34, and currently trades 5.6% below its 52-week high. It pays a dividend yielding 2.72%.

On profitability, First Commonwealth Financial Corporation generates a return on equity (ROE) of 10.83%, return on capital employed of 6.46%, an operating margin of 27.16%, a net profit margin of 27.04%.

First Commonwealth Financial Corporation by the numbers, 2016–2025

Between 2016 and 2025 First Commonwealth Financial Corporation reported revenue of $282.0M rising to $729.0M, a change of +158.5% across 10 years. Compounded, revenue has grown 13.0% a year over five years, 19.3% over three, 4.1% over the last twelve months. Net profit rose to $152.0M.

Operating margin went from 30.2% in 2016 to 27.2% in 2025, a fall of 3.0 percentage points. The most recent net margin is 27.04%. On a trailing twelve-month basis to Jun '26, revenue is $623.0M and net profit $169.0M.

Borrowings fell from $949.0M to $452.0M, cash from operations was $188.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 11.3% over five years, and was 9.8% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

First Commonwealth Financial Corporation (FCF) — frequently asked questions

What is First Commonwealth Financial Corporation (FCF) stock price today?

First Commonwealth Financial Corporation (FCF) is currently trading at $21.10, up 0.19% today.

What is FCF P/E ratio?

First Commonwealth Financial Corporation's P/E ratio is 12.54. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is FCF return on equity (ROE)?

First Commonwealth Financial Corporation's return on equity (ROE) is 10.83%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.

What is First Commonwealth Financial Corporation's market cap?

First Commonwealth Financial Corporation has a market capitalization of $2.13B.

Does FCF pay a dividend?

Yes. First Commonwealth Financial Corporation currently yields 2.72%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does FCF carry?

First Commonwealth Financial Corporation has a debt-to-equity ratio of 0.13. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is FCF's profit margin?

First Commonwealth Financial Corporation reports a net profit margin of 27.04% — the share of revenue left after every cost, including tax and interest.

What sector is FCF in?

First Commonwealth Financial Corporation is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is FCF listed on?

First Commonwealth Financial Corporation trades on NYQ under the ticker FCF.

What is FCF's 52-week range?

Over the last year First Commonwealth Financial Corporation has traded between $15.00 and $22.34.

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Screens FCF currently matches

On the figures above, First Commonwealth Financial Corporation passes the filters for 16 of our ready-made screens, among them Undervalued Stocks, Undervalued Dividend Stocks, Dividend Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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