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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

First Commonwealth Financial (FCF)

Financial Services Banks - Regional
20.90 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
2.1Mrd. $
Shares Outstanding
102Mio.
Float
97.3%
Beta
0.7

Performance

Perf. 1M
7.40%
Perf. 3M
18.40%
Perf. 6M
19.70%
YTD Performance (%)
20.40%
52-Week-High Distance
-0.1%

Valuation

P/E
13.5
Forward P/E
11.7
PEG
1.5
P/B
1.3
P/S
2.8
EV/EBITDA
0.0
Price/FCF
10.2

Profitability

Gross Margin
100.0%
EBIT Margin
41.9%
Net Margin
31.7%
Return on Equity
10.5%
Return on Assets
1.3%

Balance Sheet & Safety

Equity Ratio
12.7%
Debt/Equity
0.1
Altman Z
3.85
very solid
Piotroski
8 von 9

Growth

Sales Growth Last Quarter
9.10%
EPS Growth Last Quarter
14.90%
Sales Growth (Year)
4.25%
Forward Sales Growth
6.40%
Forward EPS Growth
13.80%

Dividend

Dividend Yield
2.74%
Dividend Per Share (TTM)
0.55$
Payout Ratio
34.7%
Years Without a Cut
15Years
Increase Streak
9Years

Quality & Screener

Stage
2
RS Rating
64
EPS Rating
62
very solid
Piotroski
8 von 9
Fundamental Rating
B (+13 von 100)
Altman Z
3.85

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Sales Per Quarter ($M)
2024: Q4 · 175.3 Mio. $ Q4 2025: Q1 · 169.6 Mio. $ Q1 2025: Q2 · 183.6 Mio. $ Q2 2025: Q3 · 187.6 Mio. $ Q3 2025: Q4 · 188.6 Mio. $ Q4 2026: Q1 · 179.3 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.35 $ Q4 2025: Q1 · 0.32 $ Q1 2025: Q2 · 0.32 $ Q2 2025: Q3 · 0.39 $ Q3 2025: Q4 · 0.43 $ Q4 2026: Q1 · 0.37 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 20.4 % Q4 2025: Q1 · 19.3 % Q1 2025: Q2 · 18.2 % Q2 2025: Q3 · 22.0 % Q3 2025: Q4 · 23.8 % Q4 2026: Q1 · 20.9 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 13.5 Mio. $ Q4 2025: Q1 · 55.9 Mio. $ Q1 2025: Q2 · 30.4 Mio. $ Q2 2025: Q3 · 49.5 Mio. $ Q3 2025: Q4 · 51.7 Mio. $ Q4 2026: Q1 · 86.8 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 9.7 Mio. $ Q4 2025: Q1 · 50.9 Mio. $ Q1 2025: Q2 · 25.0 Mio. $ Q2 2025: Q3 · 59.9 Mio. $ Q3 2025: Q4 · 36.3 Mio. $ Q4 2026: Q1 · 82.5 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 4.0 % Q4 2025: Q1 · 0.1 % Q1 2025: Q2 · 4.4 % Q2 2025: Q3 · 4.8 % Q3 2025: Q4 · 7.6 % Q4 2026: Q1 · 5.7 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · -19.8 % Q4 2025: Q1 · -12.6 % Q1 2025: Q2 · -11.4 % Q2 2025: Q3 · 25.9 % Q3 2025: Q4 · 23.2 % Q4 2026: Q1 · 14.2 % Q1
Price Change in Quarter (%)
2024: Q4 · -0.6 % Q4 2025: Q1 · -7.5 % Q1 2025: Q2 · 5.3 % Q2 2025: Q3 · 5.9 % Q3 2025: Q4 · -0.3 % Q4 2026: Q1 · 5.0 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.35 -19.80 175 4.00 20.40 14 10
2025: Q1 0.32 -12.60 170 0.10 19.30 56 51
2025: Q2 0.32 -11.40 184 4.40 18.20 30 25
2025: Q3 0.39 25.90 188 4.80 22.00 50 60
2025: Q4 0.43 23.20 189 7.60 23.80 52 36
2026: Q1 0.37 14.20 179 5.70 20.90 87 83
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

First Commonwealth Financial Corporation, eine Finanzholding, bietet verschiedene Privat- und Firmenkunden-Bankprodukte und -dienstleistungen in den USA an. Zu den Privatkundendiensten zählen Internet-, Mobil- und Telefonbanking; ein Geldautomatennetz; persönliche Schecks…

Employees1,592
HeadquartersIndiana, PA
Websitefcbanking.com
IPO Date19. Jan 1992
Next Earnings4. Aug 2026

Management

Management
Name Title Birth Year
Thomas Michael Price President, CEO & Director 1963
James R. Reske CFA Executive VP, CFO & Treasurer 1964
Michael P. McCuen Chief Banking Officer, EVP & Chief Lending Officer 1963
Ryan Lysaght Gorney Executive VP & Chief Information Officer 1981
Ryan M. Thomas Vice President / Finance and Investor Relations 1981
Matthew C. Tomb J.D. Executive VP, General Counsel & Secretary 1977
Kristine N. Levan SVP & Chief Marketing and Experience Officer
Carrie L. Riggle Executive Vice President of Human Resources 1970
Linda D. Metzmaier Executive VP & Chief Risk Officer
Rob Boyer President of Equipment Finance Group

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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