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    First Commonwealth Financial (FCF)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $20.20
    +0.28 (+1.43%)

    Market Cap: $2.01B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    72%(28/39)
    Avg Surprise
    +6.75%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.46
    Range$0.43 - $0.47
    7 analysts
    EPS Revisions
    1
    0
    7d
    1
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.46+0.5%
    60d ago$0.46+0.1%
    30d ago$0.46+0.1%
    7d ago$0.460.0%
    Current$0.46
    Revenue Consensus
    $141M
    Range$141M - $143M
    6 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.45
    Range$0.40 - $0.47
    7 analysts
    Revenue Consensus
    $144M
    Range$142M - $146M
    6 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.45---
    Sep 26EST
    		-$0.46---
    Jun 26
    Reported Jul 28
    		$0.44$0.42+4.76%Beat+15.8%
    Mar 26
    Reported Apr 28
    		$0.37$0.40-7.50%Miss+15.6%
    Dec 25
    Reported Jan 27
    		$0.43$0.42+2.38%Beat+22.9%
    Sep 25
    Reported Oct 28
    		$0.39$0.41-4.88%Miss+25.8%
    Jun 25
    Reported Jul 29
    		$0.38$0.35+8.57%Beat+5.6%
    Mar 25
    Reported Apr 29
    		$0.32$0.32+0.00%Beat-13.5%
    Dec 24
    Reported Jan 28
    		$0.35$0.35+0.00%Beat-20.5%
    Sep 24
    Reported Oct 29
    		$0.31$0.36-13.89%Miss-20.5%
    Jun 24
    Reported Jul 23
    		$0.36$0.35+2.86%Beat-14.3%
    Mar 24
    Reported Apr 23
    		$0.37$0.36+2.78%Beat-17.8%
    Dec 23
    Reported Jan 30
    		$0.44$0.39+12.82%Beat+12.8%
    Sep 23
    Reported Oct 24
    		$0.39$0.40-2.50%Miss+5.4%
    Jun 23
    Reported Jul 25
    		$0.42$0.41+2.44%Beat+27.3%
    Mar 23
    Reported Apr 25
    		$0.45$0.39+15.38%Beat+55.2%
    Dec 22
    Reported Jan 24
    		$0.39$0.43-9.30%Miss+5.4%
    Sep 22
    Reported Oct 25
    		$0.37$0.38-2.63%Miss+2.8%
    Jun 22
    Reported Jul 26
    		$0.33$0.33+0.00%Beat+6.5%
    Mar 22
    Reported Apr 26
    		$0.29$0.29+0.00%Beat-29.3%
    Dec 21
    Reported Jan 25
    		$0.37$0.32+15.63%Beat+37.0%
    Sep 21
    Reported Oct 26
    		$0.36$0.32+12.50%Beat+50.0%
    Jun 21
    Reported Jul 27
    		$0.31$0.34-8.82%Miss+29.2%
    Mar 21
    Reported Apr 27
    		$0.41$0.29+41.38%Beat+720.0%
    Dec 20
    Reported Jan 26
    		$0.27$0.23+17.39%Beat+0.0%
    Sep 20
    Reported Oct 27
    		$0.24$0.24+0.00%Beat-20.0%
    Jun 20
    Reported Jul 28
    		$0.24$0.09+166.67%Beat-14.3%
    Mar 20
    Reported Apr 28
    		$0.05N/A-73.68%Miss-80.0%
    Dec 19
    Reported Jan 28
    		$0.27$0.28-3.57%Miss+0.0%
    Sep 19
    Reported Oct 29
    		$0.30$0.28+7.14%Beat+20.0%
    Jun 19
    Reported Jul 23
    		$0.28$0.27+3.70%Beat-3.4%
    Mar 19
    Reported Apr 23
    		$0.25$0.26-3.85%Miss+4.2%
    Dec 18
    Reported Jan 29
    		$0.27$0.27+0.00%Beat+28.6%
    Sep 18
    Reported Oct 23
    		$0.25$0.28-10.71%Miss+13.6%
    Jun 18
    Reported Jul 24
    		$0.29$0.26+11.54%Beat+38.1%
    Mar 18
    Reported Apr 24
    		$0.24$0.23+4.35%Beat+33.3%
    Dec 17
    Reported Jan 23
    		$0.21$0.17+23.53%Beat-4.5%
    Sep 17
    Reported Oct 25
    		$0.22$0.20+10.00%Beat-
    Jun 17
    Reported Jul 26
    		$0.21$0.19+10.53%Beat-
    Mar 17
    Reported Apr 25
    		$0.18$0.17+5.88%Beat-
    Dec 16
    Reported Mar 14
    		$0.22$0.18+22.22%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.77%
    Forward Annual Dividend$0.56
    Payout Ratio33.06%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+4.04%
    5Y CAGR+3.99%
    FCF dividend history and ex-dividend datesRun FCF in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio12.40EV/EBITDA10.20x
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin33.20%Operating Margin45.40%
    ROE10.90%ROIC9.02%
    Financial Health
    Debt/Equity0.17xInterest Coverage1.05x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.75Avg Volume1.09M
    52-Week High$22.1952-Week Low$14.56

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$20.10
    SMA 20$20.39
    SMA 50$20.87
    SMA 200$19.10
    EMA 10$20.13
    EMA 20$20.34
    EMA 50$20.56
    EMA 200$19.31

    MACD

    Line: -0.26Signal: -0.25Hist: -0.02

    ADX

    ADX: 24.8+DI: 20.4-DI: 28.6

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down96.0
    PSAR$19.66

    Bollinger Bands

    Upper Band$21.19
    Lower Band$19.58
    %B Position786%(Upper)
    Band Width0.39

    RSI (14-Day)

    Neutral
    44.5

    Momentum Oscillators

    Stoch %K25.0
    Stoch %D20.1
    Williams %R-59.9
    ROC (10d)-0.4%
    Momentum-0.07
    CCI (20d)-44.9
    MFI (14d)28.9

    Volatility Measures

    ATR (14d)$0.36(1.8%)
    StdDev (20d)0.40
    Hist Vol15.8%(Low)

    Volume Flow

    VWAP$20.16
    OBV20.2M
    AD Line-288.7M
    CMF (20d)-0.112

    Volume Metrics

    Avg Vol (20d)1.1M
    Vol Ratio0.7x
    VWMA (20d)$20.47

    Pivot Points

    R3$20.42
    R2$20.22
    R1$20.07
    Pivot Point$19.87
    S1$19.72
    S2$19.52
    S3$19.37

    Advanced Oscillators

    TSI-22.11
    Ultimate Osc53.6
    KST-44.24

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$139.44M$133.56M$137.92M$135.98M$130.99M$118.02M$120.42M$121.21M$120.20M$116.29M$120.03M$122.58M
    Cost of RevenueN/A$58.98M$50.72M$62.91M$65.34M$57.34M$61.41M$68.42M$63.52M$57.40M$46.66M$48.01M
    Gross ProfitN/A$120.31M$137.92M$124.65M$118.26M$112.29M$113.93M$110.60M$112.30M$112.05M$121.90M$116.70M
    Operating Expenses$74.23M$75.59M$74.48M$72.83M$76.27M$71.25M$69.30M$70.07M$65.80M$65.57M$65.18M$67.41M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$47.23M$63.44M$51.82M$42.06M$41.04M$44.62M$40.53M$46.58M$46.48M$56.72M$49.28M
    Interest Income$159.32M$157.22M$163.93M$162.71M$158.93M$147.13M$150.00M$154.32M$150.68M$145.46M$144.26M$139.88M
    Interest Expense$46.88M$48.24M$50.72M$51.59M$52.69M$51.61M$54.91M$57.81M$55.69M$53.16M$48.52M$42.13M
    Income Before Tax$56.27M$47.23M$56.44M$51.82M$42.06M$41.04M$44.62M$40.53M$46.58M$46.48M$56.72M$49.28M
    Income Tax Expense$11.68M$9.69M$11.56M$10.49M$8.66M$8.34M$8.77M$8.44M$9.49M$8.93M$11.89M$10.05M
    Net Income$44.59M$37.55M$44.88M$41.33M$33.40M$32.70M$35.85M$32.09M$37.09M$37.55M$44.83M$39.23M
    EBITDA$57.96M$49.28M$54.47M$53.72M$42.83M$43.23M$46.78M$42.12M$47.50M$48.22M$58.27M$50.55M
    EBIT$56.27M$47.23M$52.68M$51.82M$42.06M$41.04M$44.62M$40.53M$46.58M$46.48M$56.72M$49.28M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Form 4 First Commonwealth Financial Corp For: 11 October By Investing.com

    This article reports on a Form 4 filing for First Commonwealth Financial Corp, dated October 11, 2026. Form 4s disclose changes in beneficial ownership of company stock by insiders. The article indicates this filing is...

    Investing.com Nigeria•10/12/26•Neutral

    Form 4 First Commonwealth Financial Corp For: 11 October By Investing.com

    This article reports on the filing of Form 4 for First Commonwealth Financial Corp (FCF) on October 11, 2026. Form 4 is a document that must be filed with the U.S. Securities and Exchange Commission (SEC) whenever there...

    Investing.com South Africa•10/11/26•Neutral

    Form 4 First Commonwealth Financial Corp For: 11 October By Investing.com

    This article announces the filing of a Form 4 for First Commonwealth Financial Corp (FCF) on October 11, 2026. Form 4 is a U.S. Securities and Exchange Commission filing used to disclose changes in beneficial ownership...

    Investing.com UK•10/11/26•Neutral

    First Commonwealth EVP/CFO James Reske disposes of $42,512 in stock

    First Commonwealth Financial Corp's EVP and CFO, James R. Reske, sold 2,072 shares of company common stock for a total of $42,512 on October 5, 2026. These transactions...

    Investing.com•10/11/26•Neutral

    First Commonwealth Financial Corporation to Host Third Quarter 2026 Earnings Conference Call and Webcast

    First Commonwealth Financial Corporation will host a conference call and webcast on October 28, 2026, at 2:00 p.m. Eastern Time to discuss its financial results for the third quarter ended September 30...

    Quiver Quantitative•10/10/26•Neutral

    FCF Valuation and Fair Value

    P/E
    12.4x
    Forward P/E
    10.6x
    EV/EBITDA
    10.2x
    PEG
    1.5x
    P/B
    1.3x
    See GNG's fair value

    FCF Profitability: Margins, ROIC and FCF

    Operating margin
    45.4%
    Net margin
    33.2%
    ROIC
    9.0%
    ROE
    10.9%
    FCF margin
    29.5%

    FCF Competitors

    CompanyTicker
    1st Source CorporationSRCE
    Stellar Bancorp, Inc.STEL
    EZCORP IncEZPW
    The Bancorp IncTBBK
    Bladex Inc.BLX
    City Holding CompanyCHCO
    Hilltop Holdings IncHTH
    eToro Group Ltd.ETOR

    Sector: Financial Services

    FCF Analyst Ratings

    Consensus
    Buy
    Analysts
    7
    Strong Buy
    3
    Buy
    1
    Hold
    3
    Sell
    0
    Strong Sell
    0

    FCF Bull Case vs Bear Case

    Bull case

    • FCF converts 29.5% of revenue into free cash flow.
    • FCF has a 33.2% net profit margin.

    Bear case

    • FCF beat EPS estimates in 37.5% of its last 8 reported quarters.

    FCF Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    -1.3%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.46
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 1 down

    FCF Dividend

    Forward yield
    2.8%
    Payout ratio
    33.1%
    3Y DPS growth
    4.0%
    5Y DPS growth
    4.0%
    Pay months
    Feb, May, Aug, Nov
    FCF dividend history

    Frequently Asked Questions About FCF

    What is FCF's current dividend yield?

    First Commonwealth Financial (FCF) has a forward dividend yield of 2.77%.

    Does FCF pay dividends?

    Yes, First Commonwealth Financial pays dividends with a forward dividend yield of 2.77%.

    What is FCF's P/E ratio?

    First Commonwealth Financial has a price-to-earnings (P/E) ratio of 12.40.

    What is FCF's market cap?

    First Commonwealth Financial (FCF) has a market capitalization of $2.01B with a current stock price of $20.20.

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