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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
10/30/2026: FCF (4-star) is currently NOT-A-BUY. Pass it for now.
First Commonwealth Financial is a stable regional bank primarily serving communities in Pennsylvania and Ohio. The company benefits from a strong community-focused brand, a diversified revenue mix including wealth management, and a history of disciplined regional acquisitions. Its primary growth opportunity lies in further expanding its presence within its existing markets and successfully modernizing its digital platform to attract new customers. However, it faces significant risks from intense competition with larger national banks, potential regional economic volatility, and the need to manage rising operational and regulatory costs. The stock may best suit value and dividend-oriented investors looking for a consistent, lower-risk financial institution to monitor for steady performance.
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 steady but moderate growth rather than the aggressive appreciation typically sought by pure growth investors. |
| Momentum investor | Weak fit | As a regional bank, it typically lacks the high-volatility price swings that momentum traders require for short-term gains. |
| Value investor | Strong fit | Often trades at reasonable valuation multiples compared to larger, more expensive financial services stocks. |
| Dividend investor | Strong fit | Consistent dividend history makes it an attractive candidate for income-oriented portfolios. |
| Low-risk investor | Strong fit | Relatively stable business model and conservative management style suit lower-risk investment profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to macroeconomic conditions and interest rate changes. |
| Valuation risk | Low | The stock generally trades at multiples reflective of its regional status and stable growth outlook. |
| Competition risk (Banking) | Medium / high | Constant pressure from larger national banks and fintech disrupters affects market share. |
| Business quality | Medium | Solid regional franchise but lacks the massive scale and diversification of global peers. |
| Dividend income | Low | The dividend is considered stable, but it is not a high-yield growth play. |
| Execution risk | Medium | Success depends on effective integration of acquisitions and managing credit quality during downturns. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 29.14% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2026 |
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 2.04B USD | Price to earnings Ratio 12.43 | 1Y Target Price 23.93 |
Price to earnings Ratio 12.43 | 1Y Target Price 23.93 | ||
Volume (30-day avg) 927.4K shares | Beta 0.75 | 52 Weeks Range 14.56 - 22.19 | Updated Date 11/01/2026 |
52 Weeks Range 14.56 - 22.19 | Updated Date 11/01/2026 | ||
Dividends yield (FY) 2.64% | Basic EPS (TTM) 1.69 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Earnings generated from interest on loans minus interest paid on deposits. | This is the core engine of the bank, driven by the spread between loan and deposit rates. |
| Fee-based Services | Wealth management fees, insurance commissions, and standard banking fees. | This diversifies revenue beyond interest rates, providing a more stable income stream. |
| Geography: PA and OH | Operations concentrated in these two key states. | The company's success is tied to the economic health of the Pennsylvania and Ohio markets. |
Earnings Date
Report Date 2026-10-27 | When After Market | Estimate 0.46 | Actual 0.45 |
Profitability
Profit Margin 33.63% | Operating Margin (TTM) 42.49% |
Management Effectiveness
Return on Assets (TTM) 1.4% | Return on Equity (TTM) 11.37% |
Valuation
Trailing PE 12.43 | Forward PE 10.76 | Enterprise Value 2.19B | Price to Sales(TTM) 3.98 |
Enterprise Value 2.19B | Price to Sales(TTM) 3.98 | ||
Enterprise Value to Revenue 4.21 | Enterprise Value to EBITDA - | Shares Outstanding 96.93M | Shares Floating 94.22M |
Shares Outstanding 96.93M | Shares Floating 94.22M | ||
Percent Insiders 1.69 | Percent Institutions 83.96 |
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.
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