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Upturn AI Summary - About
First Commonwealth Financial(FCF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FCF
10/02/2026: FCF (4-star) is currently NOT-A-BUY. Pass it for now.
First Commonwealth Financial is a regional bank serving Pennsylvania and Ohio, known for its relationship-based banking model. The company's strengths lie in its disciplined credit management and growing fee-based services, which provide stability beyond interest income. Its primary growth story revolves around digital transformation and continued regional expansion. Investors must monitor risks such as geographic concentration, macroeconomic health in its service areas, and competition from larger national banks. The stock may be a strong fit for value and dividend-focused investors seeking a stable, conservative banking exposure with reliable income, rather than aggressive capital appreciation.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth rather than high-octane capital appreciation. |
| Momentum investor | Mixed fit | Momentum is conditional on favorable sector trends and broader bank performance indicators. |
| Value investor | Strong fit | The stock often trades at reasonable valuations relative to historical earnings and book value. |
| Dividend investor | Strong fit | The company maintains a reliable dividend payout, making it attractive for income-focused portfolios. |
| Low-risk investor | Strong fit | Its conservative business model and focus on regional stability appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate fluctuations and macroeconomic headlines. |
| Valuation risk | Low | Valuations are generally grounded in tangible book value and recurring earnings. |
| Competition risk (regional banking) | Medium / high | Intense competition from larger institutions can pressure net interest margins. |
| Business quality | Strong | The bank has a well-established franchise in its core markets with a history of stability. |
| Dividend income | Strong | Consistent dividend payments provide a steady yield for shareholders. |
| Execution risk | Medium | Integrating acquisitions and managing digital transitions requires precise operational execution. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 21.88% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.05B USD | Price to earnings Ratio 12.37 | 1Y Target Price 24.07 |
Price to earnings Ratio 12.37 | 1Y Target Price 24.07 | ||
Volume (30-day avg) 933.9K shares | Beta 0.73 | 52 Weeks Range 14.56 - 22.19 | Updated Date 10/01/2026 |
52 Weeks Range 14.56 - 22.19 | Updated Date 10/01/2026 | ||
Dividends yield (FY) 2.72% | Basic EPS (TTM) 1.64 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | This is the primary way the bank makes money by lending money at higher rates than it pays to depositors. |
| Fee-based Services | Wealth management fees, insurance commissions, and banking service charges. | These represent diversified income that does not rely strictly on interest rate fluctuations. |
| Geographic Operations | Banking activities primarily in Pennsylvania and Ohio. | The bank's success is tied closely to the economic health of these specific regional economies. |
Valuation
Trailing PE 12.37 | Forward PE 10.57 | Enterprise Value 2.17B | Price to Sales(TTM) 4.04 |
Enterprise Value 2.17B | Price to Sales(TTM) 4.04 | ||
Enterprise Value to Revenue 4.3 | Enterprise Value to EBITDA - | Shares Outstanding 101.06M | Shares Floating 98.35M |
Shares Outstanding 101.06M | Shares Floating 98.35M | ||
Percent Insiders 1.62 | Percent Institutions 80.42 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About First Commonwealth Financial
Exchange NYSE | Headquarters Indiana, PA, United States | ||
IPO Launch date 1992-01-19 | President, CEO & Director Mr. Thomas Michael Price | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1589 | Website https://www.fcbanking.com |
Full time employees 1589 | Website https://www.fcbanking.com | ||
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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