First Commonwealth Financial Corp

First Commonwealth Financial Corp (FCF) Stock Analysis

$20.220

+0.305 (+1.51%)At close

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High
20.310
Open
20.110
VWAP
20.16
Volume
764.91K
Mkt Cap
1.39B
Low
19.960
Amount
15.42M
EV/EBITDA, TTM
7.89

First Commonwealth Financial Corporation is a financial holding company. The Company’s operating subsidiaries include First Commonwealth Bank (the Bank), First Commonwealth Insurance Agency, Inc. (FCIA) and FRAMAL. It provides a diversified array of consumer and commercial banking services through its subsidiary, FCB. It also provides trust and wealth management services through FCB and offers insurance products through FCIA. Its consumer services include Internet, mobile and telephone banking, an automated teller machine network, personal checking accounts, savings accounts, health savings accounts, insured money market accounts, debit cards, investment certificates, mortgage loans, and others. The Bank operates through approximately 126 community banking offices in 30 counties throughout western and central Pennsylvania and throughout Ohio, as well as commercial lending operations in Canfield, Canton, Hudson, Independence and Lewis Center, Ohio and Pittsburgh and Berwyn Pennsylvania.

AI analysis of First Commonwealth Financial Corp (FCF)

Hold

First Commonwealth Financial Corp is currently trading at $19.89, which is below the average analyst price target of $24. The stock has shown a year-to-date change of +18.60% and a one-year change of +23.31%, indicating strong long-term growth. However, the RSI is at 30.788, suggesting the stock is oversold and may not be the best buy at this moment. Additionally, the recent insider activity shows a director sold shares, which could indicate caution. The main risk is the 5-day change of -3.26%, reflecting recent downward momentum.

Analyst Ratings (5)

-1.09% Downside
Hold
1 Buy
4 Hold
0 Sell
Current: 20.22
Low
19.00
Average
20.00
High
21.00

DA Davidson

2026-09-28

Price Target

$24

Neutral

Raymond James

2026-07-31

Price Target

$24

Outperform

Keefe Bruyette

2026-04-30

Price Target

$21

Market Perform

RBC Capital

2026-04-07

Price Target

$21

Outperform

Keefe Bruyette

2026-01-29

Price Target

$20

Market Perform

Valuation Metrics

The current forward P/E ratio for First Commonwealth Financial Corp (FCF) is 10.57, compared to its 5-year average forward P/E of 10.05.

Forward P/E

Fair
5Y Average P/E
10.05
Current P/E
10.57
Overvalued
11.51
Undervalued
8.60

Forward EV/EBITDA

Overvalued
5Y Average EV/EBITDA
1.53
Current EV/EBITDA
7.89
Overvalued
5.14
Undervalued
-2.09

Forward P/S

Fair
5Y Average P/S
3.13
Current P/S
3.42
Overvalued
3.51
Undervalued
2.74

Alphio AI Price Scenarios for FCF

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%FCF

$18.70

Scenario price

B

Base

Base · 50%FCF

$16.20

Scenario price

B

Bear

Bear · 25%FCF

$13.62

Scenario price

Events Timeline

2026-07-28 (ET)

17:30:00

First Commonwealth Reports Q2 Revenue of $139.51M

2026-04-28 (ET)

07:30:00

First Commonwealth Declares Quarterly Dividend of 14 Cents per Share

07:30:00

Company Reports Q1 Revenue of $133.69M, Below Consensus

2026-04-15 (ET)

08:10:00

First Commonwealth Appoints Ryan Gorney as Chief Information Officer

2026-01-27 (ET)

17:10:00

Net Interest Income Increases to $113.6 Million

News

FCF FAQ — answered by Alphio AI

First Commonwealth Financial Corporation is a financial holding company. The Company’s operating subsidiaries include First Commonwealth Bank (the Bank), First Commonwealth Insurance Agency, Inc. (FCIA) and FRAMAL. It provides a diversified array of consumer and commercial banking services through its subsidiary, FCB. It also provides trust and wealth management services through FCB and offers insurance products through FCIA. Its consumer services include Internet, mobile and telephone banking, an automated teller machine network, personal checking accounts, savings accounts, health savings accounts, insured money market accounts, debit cards, investment certificates, mortgage loans, and others. The Bank operates through approximately 126 community banking offices in 30 counties throughout western and central Pennsylvania and throughout Ohio, as well as commercial lending operations in Canfield, Canton, Hudson, Independence and Lewis Center, Ohio and Pittsburgh and Berwyn Pennsylvania. It operates in the Financials sector (NATIONAL COMMERCIAL BANKS industry).

First Commonwealth Financial Corp is currently trading at $19.89, which is below the average analyst price target of $24. The stock has shown a year-to-date change of +18.60% and a one-year change of +23.31%, indicating strong long-term growth. However, the RSI is at 30.788, suggesting the stock is oversold and may not be the best buy at this moment. Additionally, the recent insider activity shows a director sold shares, which could indicate caution. The main risk is the 5-day change of -3.26%, reflecting recent downward momentum.

5 analysts cover FCF: 1 rate it Buy, 4 Hold and 0 Sell. The average price target is 20.00.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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