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Upturn AI SWOT - About
FCF 
First Commonwealth Financial (FCF)
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Upturn Advisory Summary
09/15/2025: FCF (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $19.2
1 Year Target Price $19.2
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 20.53% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.84B USD | Price to earnings Ratio 13.52 | 1Y Target Price 19.2 |
Price to earnings Ratio 13.52 | 1Y Target Price 19.2 | ||
Volume (30-day avg) 6 | Beta 0.83 | 52 Weeks Range 13.31 - 19.48 | Updated Date 09/14/2025 |
52 Weeks Range 13.31 - 19.48 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 3.00% | 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 13.52 | Forward PE 10.04 | Enterprise Value 2207689728 | Price to Sales(TTM) 4.04 |
Enterprise Value 2207689728 | Price to Sales(TTM) 4.04 | ||
Enterprise Value to Revenue 4.74 | Enterprise Value to EBITDA - | Shares Outstanding 104539000 | Shares Floating 101932972 |
Shares Outstanding 104539000 | Shares Floating 101932972 | ||
Percent Insiders 1.94 | Percent Institutions 78.67 |
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 community bank to a multi-bank holding company through strategic acquisitions and organic growth. It provides various financial services to individuals, businesses, and government entities.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loans, and other financial services to individuals and small businesses.
- Commercial Banking: Provides lending, treasury management, and other financial services to larger businesses.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is hierarchical, with regional presidents and department heads reporting to the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as working capital, equipment financing, and real estate. No specific market share data available publicly. Competitors include PNC, Huntington, and smaller regional banks.
- number_of_users:
- revenue:
- Residential Mortgages: Mortgages to individuals for purchasing or refinancing homes. No specific market share data available publicly. Competitors include national lenders like Wells Fargo and Chase, as well as other regional banks.
- number_of_users:
- revenue:
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. No specific market share data available publicly. Competitors include PNC, Huntington, and online banks.
- number_of_users:
- revenue:
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
First Commonwealth Financial is a regional bank positioned to serve communities and businesses in Pennsylvania and Ohio. Its competitive advantage lies in its local presence and customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in Pennsylvania and Ohio is estimated to be in the hundreds of billions of dollars. FCF is competing for a portion of this TAM through its branch network and digital offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused service
- Experienced management team
- Diversified revenue streams
Weaknesses
- Limited geographic reach
- Smaller size compared to national banks
- Reliance on traditional banking model
- Dependence on interest rate environment
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Investment in fintech solutions
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PNC
- Huntington
- KeyCorp
- S&T Bancorp
Competitive Landscape
First Commonwealth Financial faces stiff competition from larger national and regional banks. It competes on customer service and local knowledge but lacks the scale of larger players.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is unavailable.
Future Projections: Analyst growth projections are unavailable.
Recent Initiatives: Focus on digital banking and expansion of commercial lending services.
Summary
First Commonwealth Financial is a regional bank with a strong local presence, but it faces competition from larger banks and fintech companies. Its focus on customer service and community banking are strengths. It should consider strategic acquisitions and investment in fintech to maintain its competitive position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst reports (where publicly available)
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise. Financial data is based on publicly available information and may be subject to change.
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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