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FCF First Commonwealth Financial Corporation

New York Stock Exchange · Banks - Regional · Financial Services

$21.62
-0.01 (-0.05%)

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 mar…

Market Cap: $2.20Bwww.fcbanking.com

Price (90d)

No price history yet — the daily price refresh runs once a day.

Signal Score (90d)

160
3073117160
Aug 10Aug 14

Quote

Day Range
$21.52 – $21.75
52-Week Range
$15.00 – $22.34
Volume
$330.4K
Market Cap
$2.20B
50-Day Avg
$20.59
200-Day Avg
$18.29
Prev Close
$21.63
Open
$21.53

Valuation & Ratios

P/E Ratio
11.39
EPS
$1.48
P/B Ratio
1.12
P/S Ratio
2.38
Debt/Equity
0.29
Current Ratio
0.37
Dividend Yield
+3.2%
Gross Margin
+67.6%

Returns & Efficiency

Return on Equity
+9.8%
Return on Assets
+1.2%
FCF Yield
+9.9%
EV/EBITDA
10.18

Revenue & Net Income (Annual)

Fiscal YearRevenueNet IncomeEPS
2025$729.44M$152.30M$1.48
2024$699.69M$142.57M$1.40
2023$626.61M$157.06M$1.55
2022$428.66M$128.18M$1.37
2021$400.60M$138.26M$1.47

Social Signal Score

51
5d
53
6 mentions
30d
50
7 mentions
60d
50
7 mentions
90d
50
7 mentions
news: 7

Earnings

Tue, Oct 27(in 2 months)

Consensus estimate $0.45 per share

4of 7 quarters beat consensus

Typical surprise +0.0% (median, so one quarter with a near-zero estimate can't distort it)

  • Tue, Jul 28$0.44 vs $0.42beat
  • Tue, Apr 28$0.37 vs $0.42miss
  • Tue, Jan 27$0.43 vs $0.41beat
  • Tue, Oct 28$0.39 vs $0.41miss
  • Tue, Jul 29$0.38 vs $0.34beat
  • Tue, Apr 29$0.32 vs $0.32beat

Estimates and results for FCF via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.

Valuation

Project earnings forward and see what return today's price implies.

Seeded from FCF's reported EPS growth of 0.2% a year over 4 years.

EPS in 5 years
$1.50
Implied price
$16.45
Return from $21.62
-5.3% a year

To earn 15.0% a year on these assumptions you'd need to buy at $8.18 -62.2% below today's price.

How sensitive is that answer?

Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.

growth \ P/E79111315
-9.8%-22.1%-18.1%-14.8%-11.9%-9.3%
-4.8%-17.8%-13.6%-10.0%-7.0%-4.3%
0.2%-13.5%-9.0%-5.3%-2.1%0.7%
5.2%-9.2%-4.5%-0.6%2.8%5.8%
10.2%-4.9%0.0%4.1%7.7%10.8%

This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.

Mentions (7)

  • Newsseekingalpha.com·1d ago·Positive

    Central Garden & Pet Company: The 10% FCF Yield PE Arbitrage Nobody's Pricing In Central Garden & Pet offers 45% upside to a $65 base-case target, driven by discounted valuation and strategic expansion. The TRIXIE acquisition establishes CENT as a global leader, unlocking European growth and M&A opportunities at attractive multiples. Portfolio optimization and a shift to branded products have expanded margins to ~13%, with 10.3% FCF yield and robust buybacks.

    View source ↗
  • Newsetftrends.com·1d ago·Neutral

    Free Cash Flow ETFs: How VictoryShares Matches FCF Strategies to Advisor and Client Needs Two recent TMX VettaFi advisor polls found that unfamiliarity with free cash flow (FCF) yield and portfolio integration are the top hurdles to broader adoption of FCF strategies. The findings shape how VictoryShares and Solutions positions its FCF ETF suite for advisors navigating today's market.

    View source ↗
  • Newsseekingalpha.com·2d ago·Negative

    Magnera Corporation: Executing But Abandoned Magnera Corporation (MAGN) is executing well post-merger, integrating operations, growing earnings, and reducing leverage in the nonwoven industry. MAGN trades at 5.5x FY26E EBITDA versus peers at 9x, with a ~20% FCF yield, highlighting a significant valuation disconnect. Management expects FY26 EBITDA towards the low end of $380–410m and FCF of $90–110m, with potential for >$400m EBITDA and $120m FCF in FY27.

    View source ↗
  • Newszacks.com·3d ago·Neutral

    Western Digital's $3.5B FCF: Can Growth Continue in Fiscal 2027? WDC generates $3.5 billion in fiscal 2026 FCF as demand, pricing and high-capacity drives boost margins and cash flow.

    View source ↗
  • Newsseekingalpha.com·3d ago·Neutral

    Talen Energy: Very Solid FCF Yield, With More Upside If Data Center Pipeline Converts Talen Energy remains a buy, with robust FCF growth visibility driven by data center demand and the Cornerstone acquisition. TLN raised 2026 adj. EBITDA guidance to $2.025–2.225 billion and adj. FCF to $1.2–1.35 billion, excluding Keystone, implying further upside. The 2028/2029 PJM capacity auction and a growing data center pipeline underpin a more predictable, resilient earnings base and margin mix.

    View source ↗
  • Newsseekingalpha.com·4d ago·Neutral

    Nvidia: Durable FCF As Company Expands Beyond Datacenter GPUs Nvidia (NVDA) is initiated with a buy rating, driven by exceptional free cash flow generation and reasonable valuation multiples versus peers. NVDA's FCF reached $96.6B in FY26, with plans to return over 50% to shareholders and an $80B buyback boost. Customer diversification beyond hyperscalers and resilient GPU pricing trends support durable growth and reduce cyclicality risks.

    View source ↗
  • Newsseekingalpha.com·5d ago·Negative

    Meta: FCF Crash Concerning, But I Expect Higher Spending To Pay Off Meta Platforms trades at a sub-20x forward P/E, offering long-term upside despite recent volatility and a sharp free cash flow decline. Q2 saw a 13% EPS drop and a 90% FCF decline, driven by a 55% expense increase and heavy AI infrastructure investment, but revenue grew 28%. Meta's fortress balance sheet, with $90.3B cash versus $83.7B debt, supports ongoing dividend payments and strategic flexibility during elevated CapEx.

    View source ↗