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Upturn AI SWOT - About
FCF 
First Commonwealth Financial (FCF)
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Upturn Advisory Summary
08/28/2025: 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 23.09% | Avg. Invested days 40 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.86B USD | Price to earnings Ratio 13.7 | 1Y Target Price 19.2 |
Price to earnings Ratio 13.7 | 1Y Target Price 19.2 | ||
Volume (30-day avg) 6 | Beta 0.82 | 52 Weeks Range 13.31 - 19.48 | Updated Date 08/28/2025 |
52 Weeks Range 13.31 - 19.48 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.97% | 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 13.7 | Forward PE 11.72 | Enterprise Value 2232697600 | Price to Sales(TTM) 4.1 |
Enterprise Value 2232697600 | Price to Sales(TTM) 4.1 | ||
Enterprise Value to Revenue 4.79 | Enterprise Value to EBITDA - | Shares Outstanding 104539000 | Shares Floating 101934014 |
Shares Outstanding 104539000 | Shares Floating 101934014 | ||
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 savings and loan association into a full-service financial services company through strategic acquisitions and organic growth.
Core Business Areas
- Community Banking: Offers a range of banking products and services to individuals, small businesses, and corporate clients, including deposit accounts, loans, and wealth management services.
- Commercial Banking: Provides commercial lending, treasury management, and other financial solutions to businesses of various sizes.
- Wealth Management: Offers investment advisory, trust, and estate planning services to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is typical of a regional bank, with distinct divisions responsible for different business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Includes term loans, lines of credit, and commercial real estate financing. Market share data is regionally dependent but generally competitive with other regional banks. Competitors include PNC, Huntington, and local credit unions. Revenue figures are not publicly disaggregated.
- Competitors: PNC,Huntington,FNB Corporation
- Competitors: Rocket Mortgage,UWM,Citizens Financial Group
- Residential Mortgages: Offers a variety of mortgage products for home purchases and refinancing. Market share varies based on local market conditions. Competitors include national mortgage lenders and other regional banks.
- Competitors: Chase,Bank of America,PNC
- Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. Competitors include national banks, credit unions, and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies, rising interest rates, and evolving regulatory requirements. Consolidation within the industry is ongoing.
Positioning
First Commonwealth Financial positions itself as a relationship-focused community bank with a strong presence in Pennsylvania and Ohio. It aims to provide personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for regional banking services in Pennsylvania and Ohio is estimated to be in the tens of billions of dollars. First Commonwealth Financial is positioned to capture a portion of this market through its branch network and online channels.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Relationship-focused banking model
- Diversified revenue streams
- Experienced management team
- Solid credit quality
Weaknesses
- Limited geographic reach compared to larger banks
- Vulnerable to interest rate fluctuations
- Exposure to regional economic conditions
- Smaller scale than larger competitors
- Dependence on traditional banking services
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions
- Growth in wealth management services
- Leveraging data analytics for improved customer insights
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturns
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- PNC
- Huntington
- FNB
Competitive Landscape
First Commonwealth Financial competes with larger regional banks and smaller community banks. Its competitive advantages include its local expertise and relationship-focused approach. Disadvantages include its smaller scale and limited geographic reach.
Major Acquisitions
Centric Financial Corporation
- Year: 2022
- Acquisition Price (USD millions): 144
- Strategic Rationale: Expanded First Commonwealth's presence in the Harrisburg, Pennsylvania market.
Growth Trajectory and Initiatives
Historical Growth: First Commonwealth Financial has grown through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates project moderate growth for First Commonwealth Financial, driven by loan growth and fee income.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
First Commonwealth Financial is a solid regional bank with a strong presence in Pennsylvania and Ohio. Its relationship-focused approach and local expertise are key strengths. However, it faces challenges from larger competitors, rising interest rates, and evolving regulatory requirements. Future growth will depend on its ability to adapt to the changing banking landscape and capitalize on opportunities in digital banking and wealth management.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Research Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary by region. Financial data is based on publicly available information.
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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