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 First Commonwealth Financial CorporationFCF US · Financials · USD Current price$20.74as of Sep 22, 2026 Summary
Analyst consensusStrong Buy 3Buy 1Hold 26 analysts 3-year price (USD)Factor profileMulti-factor score 71 / 100 Market data
Business descriptionFirst Commonwealth Financial Corporation (FCF) is a financial holding company headquartered in Indiana, Pennsylvania, operating through its principal subsidiary, First Commonwealth Bank. The company provides commercial and consumer banking, mortgage, wealth management, and insurance products through 115 community banking offices across 15 counties in western and central Pennsylvania and Ohio, alongside a network of 125 ATMs. FCF is a component of the S&P SmallCap 600 index. Competitive moatFirst Commonwealth maintains a dense community banking branch presence across western Pennsylvania and Ohio, offering surcharge-free ATM access via the Freedom ATM Alliance network (700+ ATMs). Its local community relationships foster sticky retail checking and commercial deposit relationships, supporting a SPGMI Quality Ranking of A-. Recent developments
Investment risks / red flags
Financials
Classification
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Theme Exposure
Factor Profile (Spider Chart)
TBI ModelPrice Chart (TradingView)
Symbol: FCFBusiness description
First Commonwealth Financial Corporation (FCF) is a financial holding company headquartered in Indiana, Pennsylvania, operating through its principal subsidiary, First Commonwealth Bank. The company provides commercial and consumer banking, mortgage, wealth management, and insurance products through 115 community banking offices across 15 counties in western and central Pennsylvania and Ohio, alongside a network of 125 ATMs. FCF is a component of the S&P SmallCap 600 index.
Competitive moat
First Commonwealth maintains a dense community banking branch presence across western Pennsylvania and Ohio, offering surcharge-free ATM access via the Freedom ATM Alliance network (700+ ATMs). Its local community relationships foster sticky retail checking and commercial deposit relationships, supporting a SPGMI Quality Ranking of A-.
Recent developments
- Q1 Earnings & Dividend Growth: FCF reported higher core earnings and revenue for Q1 2026, accompanied by an increase in its quarterly cash dividend.
- AI Disruption & Regional Bank Positioning: Featured in CFRA's thematic research on AI disruption in regional banking, reflecting ongoing investments in digital channels while managing AI rate-seeking deposit competition in regional footprint.
Investment risks / red flags
- Geographic concentration in western Pennsylvania and central Ohio economic sub-markets.
- Net interest margin sensitivity to Federal Reserve rate changes and regional deposit repricing pressures.
- Competition from larger super-regional commercial banks and credit unions.
Market Data
Source: mkts.io · Sep 22, 2026, 22:00 UTC
Key Metrics
Analyst Consensus
Calendar Events
Financials
Forward Estimates
| Period | EPS Est | Rev Est |
|---|---|---|
| 0q | 0.46 | $141.37M |
| +1q | 0.47 | $142.80M |
| 0y | 1.73 | $556.96M |
| +1y | 1.97 | $589.64M |
Earnings
Rating Changes
| Date | Firm | Action | To |
|---|---|---|---|
| Jul 31, 2026 | Keefe, Bruyette & Woods | main | Market Perform |
| Jul 30, 2026 | Piper Sandler | reit | Overweight |
| Jul 30, 2026 | RBC Capital | main | Outperform |
| Jan 29, 2026 | Keefe, Bruyette & Woods | main | Market Perform |
| Jan 7, 2026 | Raymond James | up | Outperform |
| May 2, 2025 | Keefe, Bruyette & Woods | main | Market Perform |