FCF logo

FIRST COMMONWEALTH FINL CORP

FCFNYSE
πŸ† #1942 by market capUS Equity
$810.66β–² $67.85 (+8.37%)
Simulated price
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24hβ–² 8.4%
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30dβ€”
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🏦Market Cap
$2.13B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+4.3%
Slowing
πŸ“ŠGross Margin
62.8%
High
πŸ’΅FCF Margin
28.8%
Strong
βš–οΈP/S Ratio
3.4x
Fair
Otter Score
76
Good
No chart data available for FCF.

Trading Snapshot

Day Range
$803.60 – $824.94
52-Week Range
$15.00 – $22.34
Volume
$3.73B
Avg Volume
$4.29B
Shares Outstanding
101.7M
Next Earnings
Nov 27, 2026

Fundamentals Snapshot

Annual Revenue
$729M
Last Q Revenue
$67M
P/E Ratio
12.8
P/S Ratio
3.4x
EPS (TTM)
$1.65
Dividend Yield
2.63%
Dilution (1yr)
+1.6%

Why Investors Own FCF

  • βœ“High-growth profile β€” revenue up +15.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 40% gross margin and 11% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FCF logo

FIRST COMMONWEALTH FINL CORP

FCF
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$729Mβ–² +4.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
67.6%β–² +5.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$198Mβ–² +11.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$171Mβ–² +50.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
103.6Mβ–² +1.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$349Mβ–Ό βˆ’$139M YoY
StockOtter Β· stockotter.space

About FIRST COMMONWEALTH FINL CORP

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 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, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$968.07
β–² +19.4% Upside
High Target$1,170.07
Low Target$776.73
Based on 28 analysts

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