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First Commonwealth Financial NYSE:FCF Stock Report

Last Price

US$16.88

Market Cap

US$1.8b

7D

-9.1%

1Y

11.4%

Updated

18 Dec, 2024

Data

Company Financials +

First Commonwealth Financial Corporation

NYSE:FCF Stock Report

Market Cap: US$1.8b

FCF Stock Overview

A financial holding company, provides various consumer and commercial banking services in the United States. More details

FCF fundamental analysis
Snowflake Score
Valuation5/6
Future Growth1/6
Past Performance4/6
Financial Health6/6
Dividends5/6

Rewards

Trading at 49.7% below our estimate of its fair value

Earnings are forecast to grow 3.12% per year

Earnings grew by 2.4% over the past year

Pays a reliable dividend of 3.08%

Trading at good value compared to peers and industry

Risk Analysis

No risks detected for FCF from our risk checks.

My Notes

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Community Narratives

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WA
Analyst Price Target
Consensus Narrative from 6 Analysts

SBA Lending And Talent Recruitment Will Drive Bank's Expansion In Pennsylvania

Key Takeaways Focus on SBA lending and strategic recruitment are expected to drive revenue and improve net interest income. Enhanced customer satisfaction and optimized balance sheet management could boost revenue and improve net margins.
View narrative
US$19.58
FV
13.8% undervalued intrinsic discount
5.36%
Revenue growth p.a.
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Updated narrative

First Commonwealth Financial Corporation Competitors

City Holding

NasdaqGS:CHCO

US$1.9b

First Bancorp

NasdaqGS:FBNC

US$2.0b

Pathward Financial

NasdaqGS:CASH

US$1.9b

OFG Bancorp

NYSE:OFG

US$2.0b

Price History & Performance

Summary of share price highs, lows and changes for First Commonwealth Financial
Historical stock prices
Current Share PriceUS$16.88
52 Week HighUS$19.96
52 Week LowUS$12.41
Beta0.85
1 Month Change-9.34%
3 Month Change-3.54%
1 Year Change11.42%
3 Year Change6.77%
5 Year Change14.91%
Change since IPO264.97%

Recent News & Updates

First Commonwealth Financial Corporation: An Interesting Financial Firm To Keep An Eye On

Dec 12

First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.13

Nov 02
First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.13

First Commonwealth Financial Corporation Just Missed Earnings - But Analysts Have Updated Their Models

Nov 01
First Commonwealth Financial Corporation Just Missed Earnings - But Analysts Have Updated Their Models

Recent updates

First Commonwealth Financial Corporation: An Interesting Financial Firm To Keep An Eye On

Dec 12

First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.13

Nov 02
First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.13

First Commonwealth Financial Corporation Just Missed Earnings - But Analysts Have Updated Their Models

Nov 01
First Commonwealth Financial Corporation Just Missed Earnings - But Analysts Have Updated Their Models

First Commonwealth Financial: Downgrading To Hold And Reducing The Earnings Estimate

Sep 20

First Commonwealth Financial (NYSE:FCF) Will Pay A Dividend Of $0.13

Jul 30
First Commonwealth Financial (NYSE:FCF) Will Pay A Dividend Of $0.13

First Commonwealth Financial Corporation (NYSE:FCF) Released Earnings Last Week And Analysts Lifted Their Price Target To US$17.75

Jul 26
First Commonwealth Financial Corporation (NYSE:FCF) Released Earnings Last Week And Analysts Lifted Their Price Target To US$17.75

First Commonwealth Financial: Attractively Valued But With A Lackluster Earnings Outlook

Apr 22

First Commonwealth Financial (NYSE:FCF) Is Due To Pay A Dividend Of $0.125

Feb 03
First Commonwealth Financial (NYSE:FCF) Is Due To Pay A Dividend Of $0.125

First Commonwealth Financial: On A Significant Growth Track But An Unattractive Valuation

Feb 01

If EPS Growth Is Important To You, First Commonwealth Financial (NYSE:FCF) Presents An Opportunity

Feb 01
If EPS Growth Is Important To You, First Commonwealth Financial (NYSE:FCF) Presents An Opportunity

First Commonwealth Financial: Q3 2023 Shows Positive Signs

Nov 03

First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.125

Apr 28
First Commonwealth Financial's (NYSE:FCF) Dividend Will Be $0.125

First Commonwealth Financial (NYSE:FCF) Is Paying Out A Dividend Of $0.12

Jan 28
First Commonwealth Financial (NYSE:FCF) Is Paying Out A Dividend Of $0.12

First Commonwealth Financial Non-GAAP EPS of $0.39 misses by $0.04, revenue of $112.34M misses by $1.03M

Jan 24

First Commonwealth Financial (NYSE:FCF) Will Pay A Dividend Of $0.12

Nov 01
First Commonwealth Financial (NYSE:FCF) Will Pay A Dividend Of $0.12

First Commonwealth Financial declares $0.12 dividend

Oct 25

First Commonwealth Financial: M&A Strategy Continues With Centric Acquisition

Sep 15

First Commonwealth to acquire Centric Financial in $144M all-stock deal

Aug 30

First Commonwealth Financial Non-GAAP EPS of $0.33 in-line, revenue of $98.17M beats by $0.76M

Jul 26

Here's Why First Commonwealth Financial (NYSE:FCF) Has Caught The Eye Of Investors

Jul 21
Here's Why First Commonwealth Financial (NYSE:FCF) Has Caught The Eye Of Investors

First Commonwealth Financial: Earnings To Dip On Provisioning Normalization

Jul 03

First Commonwealth Financial (NYSE:FCF) Is Increasing Its Dividend To US$0.12

Apr 29
First Commonwealth Financial (NYSE:FCF) Is Increasing Its Dividend To US$0.12

First Commonwealth: Strong Top-Line Growth Views Unlikely To Compensate For Provision Normalization

Apr 08

Does First Commonwealth Financial (NYSE:FCF) Deserve A Spot On Your Watchlist?

Apr 06
Does First Commonwealth Financial (NYSE:FCF) Deserve A Spot On Your Watchlist?

First Commonwealth Financial: Not Too Excited

Jan 22

Here's Why I Think First Commonwealth Financial (NYSE:FCF) Might Deserve Your Attention Today

Dec 26
Here's Why I Think First Commonwealth Financial (NYSE:FCF) Might Deserve Your Attention Today

First Commonwealth Financial: Outlook Of Strong Balance Sheet Growth, Decent Price Upside

Dec 19

First Commonwealth Financial's (NYSE:FCF) Upcoming Dividend Will Be Larger Than Last Year's

Oct 30
First Commonwealth Financial's (NYSE:FCF) Upcoming Dividend Will Be Larger Than Last Year's

First Commonwealth Financial: Management's Efforts Likely To Support Revenues

Oct 04

First Commonwealth Financial's (NYSE:FCF) Dividend Will Be Increased To US$0.12

Aug 03
First Commonwealth Financial's (NYSE:FCF) Dividend Will Be Increased To US$0.12

First Commonwealth Is Unremarkable, With A Recent Large Insider Sale

Jul 09

If You Like EPS Growth Then Check Out First Commonwealth Financial (NYSE:FCF) Before It's Too Late

Jun 23
If You Like EPS Growth Then Check Out First Commonwealth Financial (NYSE:FCF) Before It's Too Late

First Commonwealth Financial Corporation 2021 Q1 - Results - Earnings Call Presentation

May 01

First Commonwealth Financial declares $0.115 dividend

Apr 27

Shareholder Returns

FCFUS BanksUS Market
7D-9.1%-2.1%0.1%
1Y11.4%31.3%26.1%

Return vs Industry: FCF underperformed the US Banks industry which returned 31.3% over the past year.

Return vs Market: FCF underperformed the US Market which returned 26.1% over the past year.

Price Volatility

Is FCF's price volatile compared to industry and market?
FCF volatility
FCF Average Weekly Movement5.9%
Banks Industry Average Movement5.0%
Market Average Movement6.3%
10% most volatile stocks in US Market16.7%
10% least volatile stocks in US Market3.1%

Stable Share Price: FCF has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: FCF's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19341,500Mike Pricewww.fcbanking.com

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include 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, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company’s commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services.

First Commonwealth Financial Corporation Fundamentals Summary

How do First Commonwealth Financial's earnings and revenue compare to its market cap?
FCF fundamental statistics
Market capUS$1.81b
Earnings (TTM)US$151.55m
Revenue (TTM)US$456.47m

11.3x

P/E Ratio

1.2x

P/B Ratio

Is FCF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FCF income statement (TTM)
RevenueUS$456.47m
Cost of RevenueUS$0
Gross ProfitUS$456.47m
Other ExpensesUS$304.92m
EarningsUS$151.55m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)1.49
Gross Margin100.00%
Net Profit Margin33.20%
Debt/Equity Ratio49.8%

How did FCF perform over the long term?

See historical performance and comparison

Dividends

3.1%

Current Dividend Yield

35%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 23:11
End of Day Share Price 2024/12/18 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

First Commonwealth Financial Corporation is covered by 18 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Matthew SchultheisBoenning & Scattergood, Inc.
Stephen MossB. Riley Securities, Inc.
Manuel NavasD.A. Davidson & Co.