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Upturn AI SWOT - About
FCF 
First Commonwealth Financial (FCF)
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Upturn Advisory Summary
07/02/2025: FCF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $18
1 Year Target Price $18
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.67% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.75B USD | Price to earnings Ratio 12.45 | 1Y Target Price 18 |
Price to earnings Ratio 12.45 | 1Y Target Price 18 | ||
Volume (30-day avg) 6 | Beta 0.79 | 52 Weeks Range 13.27 - 19.64 | Updated Date 07/1/2025 |
52 Weeks Range 13.27 - 19.64 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 3.33% | Basic EPS (TTM) 1.34 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.7% | Operating Margin (TTM) 39.66% |
Management Effectiveness
Return on Assets (TTM) 1.17% | Return on Equity (TTM) 9.91% |
Valuation
Trailing PE 12.45 | Forward PE 11.2 | Enterprise Value 1946815488 | Price to Sales(TTM) 3.9 |
Enterprise Value 1946815488 | Price to Sales(TTM) 3.9 | ||
Enterprise Value to Revenue 4.26 | Enterprise Value to EBITDA - | Shares Outstanding 104939000 | Shares Floating 102326588 |
Shares Outstanding 104939000 | Shares Floating 102326588 | ||
Percent Insiders 1.93 | Percent Institutions 75.49 |
Analyst Ratings
Rating 2 | Target Price 18 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
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 has grown through acquisitions and organic expansion, evolving into a regional financial services provider.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Offers a range of financial products and services to individual customers, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is hierarchical, with various departments reporting to senior management. President and CEO: T. Michael Price
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is difficult to pinpoint exactly for First Commonwealth. Competitors: PNC, KeyCorp, Huntington Bancshares.
- Mortgages: Residential mortgages for homebuyers. Market share data is also difficult to pinpoint, as it varies by geography. Competitors: PNC, Citizens Financial Group, Fifth Third Bancorp.
- Checking Accounts: Standard and premium checking accounts for consumers. Competitive landscape is highly fragmented, with many regional and national players.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and regulatory changes. Fintech companies are also disrupting traditional banking models.
Positioning
First Commonwealth Financial is positioned as a regional bank focused on providing personalized service to its customers. Its competitive advantage lies in its strong local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for regional banking services is substantial, encompassing individuals and businesses within its geographic footprint. First Commonwealth Financial is well-positioned to capture a share of this market through its branch network and online channels.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diversified revenue streams
- Good customer relationships
- Sound risk management practices
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking model
- Lower brand recognition compared to national banks
- Higher operating costs compared to fintech competitors
Opportunities
- Expansion into new markets
- Adoption of digital technologies
- Strategic acquisitions
- Increased demand for wealth management services
- Growing small business sector
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC (PNC)
- KeyCorp (KEY)
- Huntington Bancshares (HBAN)
- Fulton Financial (FULT)
Competitive Landscape
First Commonwealth Financial faces stiff competition from larger regional and national banks. Its competitive advantage lies in its local market knowledge and personalized service.
Growth Trajectory and Initiatives
Historical Growth: First Commonwealth Financial's growth has been driven by organic expansion and acquisitions. Refer to investor relations for most accurate growth data.
Future Projections: Analyst estimates vary depending on market conditions and company performance. Refer to analyst reports for future growth projections.
Recent Initiatives: See company filings for recent initiatives
Summary
First Commonwealth Financial is a regional bank with a strong local presence. It benefits from its diversified revenue streams but faces challenges from larger competitors and fintech companies. Future growth will depend on its ability to adapt to changing market conditions and leverage digital technologies. Keeping a close watch on economic conditions and the competitive landscape will be crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- MarketWatch
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary. Financial information should be verified with official company filings.
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 1538 | Website https://www.fcbanking.com |
Full time employees 1538 | 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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