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Upturn AI SWOT - About
FCF 
First Commonwealth Financial (FCF)
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Upturn Advisory Summary
10/15/2025: FCF (2-star) is a SELL. SELL since 5 days. Simulated Profits (6.89%). Updated daily EoD!
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $18.75
1 Year Target Price $18.75
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.73% | Avg. Invested days 44 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.62B USD | Price to earnings Ratio 11.94 | 1Y Target Price 18.75 |
Price to earnings Ratio 11.94 | 1Y Target Price 18.75 | ||
Volume (30-day avg) 6 | Beta 0.81 | 52 Weeks Range 13.31 - 19.48 | Updated Date 10/16/2025 |
52 Weeks Range 13.31 - 19.48 | Updated Date 10/16/2025 | ||
Dividends yield (FY) 3.23% | Basic EPS (TTM) 1.3 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.48% | Operating Margin (TTM) 41.73% |
Management Effectiveness
Return on Assets (TTM) 1.12% | Return on Equity (TTM) 9.31% |
Valuation
Trailing PE 11.94 | Forward PE 9.57 | Enterprise Value 2087860608 | Price to Sales(TTM) 3.57 |
Enterprise Value 2087860608 | Price to Sales(TTM) 3.57 | ||
Enterprise Value to Revenue 4.56 | Enterprise Value to EBITDA - | Shares Outstanding 104538804 | Shares Floating 101843361 |
Shares Outstanding 104538804 | Shares Floating 101843361 | ||
Percent Insiders 2.03 | Percent Institutions 79 |
Upturn AI SWOT
First Commonwealth Financial
Company Overview
History and Background
First Commonwealth Financial Corporation was founded in 1982 and is headquartered in Indiana, Pennsylvania. It evolved from a collection of community banks in western and central Pennsylvania.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products and services to businesses, including commercial real estate, equipment financing, and working capital solutions.
- Retail Banking: Offers a variety of consumer banking services, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Wealth Management: Provides wealth management, investment advisory, and trust services to individuals and families.
- Insurance: Offers a range of insurance products through its affiliated agency.
Leadership and Structure
Mike Price serves as CEO. The company operates with a traditional corporate structure, including a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Specific market share data not readily available. Competitors include PNC, S&T Bank, and Northwest Bank.
- Mortgages: Residential mortgage loans for homebuyers. Market share varies regionally. Competitors include national mortgage lenders and other regional banks.
- Checking and Savings Accounts: Basic banking services for consumers. Market share tied to overall deposit market in its service area. Competitors include PNC, Huntington and local credit unions.
Market Dynamics
Industry Overview
The banking industry is facing challenges related to rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
First Commonwealth Financial is a regional bank focused on serving customers in Pennsylvania and Ohio. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Pennsylvania and Ohio is estimated to be in the hundreds of billions of dollars. First Commonwealth Financial is positioned to capture a portion of this market through its branch network and online services.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diverse product offerings
- Relationship-focused banking approach
Weaknesses
- Smaller size compared to larger national banks
- Geographic concentration
- Limited brand recognition outside its core market
- Dependence on interest rate environment
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growing wealth management business
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC (PNC)
- S&T Bancorp (STBA)
- Northwest Bancshares (NWBI)
Competitive Landscape
First Commonwealth Financial competes with larger national banks and smaller regional banks. It differentiates itself through its focus on customer service and local market expertise.
Major Acquisitions
Ohio Legacy Corporation
- Year: 2020
- Acquisition Price (USD millions): 181
- Strategic Rationale: Expanded its footprint into Northeast Ohio.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady, driven by organic expansion and acquisitions.
Future Projections: Analysts expect continued growth, driven by economic expansion and strategic initiatives.
Recent Initiatives: Focus on digital transformation and expanding its wealth management business.
Summary
First Commonwealth Financial is a solid regional bank with a strong presence in Pennsylvania and Ohio. It benefits from its local market knowledge and relationship-focused approach. However, it faces challenges from larger competitors and the evolving banking landscape. The company's focus on digital transformation and wealth management could drive future growth, but it needs to manage the risks of rising interest rates and economic uncertainty.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is approximate and may vary.
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.
About First Commonwealth Financial
Exchange NYSE | Headquaters 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 1562 | Website https://www.fcbanking.com |
Full time employees 1562 | 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. Its commercial banking services comprise 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 and residential real estate loans, 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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