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FCF 
First Commonwealth Financial (FCF)
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Upturn Advisory Summary
12/04/2025: 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 $18.5
1 Year Target Price $18.5
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.33% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.74B USD | Price to earnings Ratio 11.94 | 1Y Target Price 18.5 |
Price to earnings Ratio 11.94 | 1Y Target Price 18.5 | ||
Volume (30-day avg) 6 | Beta 0.82 | 52 Weeks Range 13.20 - 18.21 | Updated Date 12/4/2025 |
52 Weeks Range 13.20 - 18.21 | Updated Date 12/4/2025 | ||
Dividends yield (FY) 3.23% | Basic EPS (TTM) 1.39 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.57% | Operating Margin (TTM) 44.78% |
Management Effectiveness
Return on Assets (TTM) 1.18% | Return on Equity (TTM) 9.71% |
Valuation
Trailing PE 11.94 | Forward PE 9.48 | Enterprise Value 2012943744 | Price to Sales(TTM) 3.7 |
Enterprise Value 2012943744 | Price to Sales(TTM) 3.7 | ||
Enterprise Value to Revenue 4.22 | Enterprise Value to EBITDA - | Shares Outstanding 103765987 | Shares Floating 101042509 |
Shares Outstanding 103765987 | Shares Floating 101042509 | ||
Percent Insiders 2.04 | Percent Institutions 78.12 |
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. The company has grown through organic expansion and strategic acquisitions, focusing on providing banking and financial services to individuals, small businesses, and commercial customers in Pennsylvania and Ohio.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loans, and other banking services to individuals and small businesses. Includes retail banking and small business lending.
- Commercial Banking: Provides commercial lending, treasury management, and other financial services to middle-market companies and commercial real estate investors.
- Wealth Management: Offers investment management, financial planning, trust, and brokerage services to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. The CEO is Thomas D. Amendola. The organizational structure is typical of a regional bank holding company, with various business units reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses for various purposes, including equipment purchases, real estate, and working capital. This is a competitive market with players like PNC, Huntington, and KeyCorp. Market Share data is difficult to determine precisely, estimated to be around 2% in their operating footprint.
- Mortgages: Offer mortgage loans for home purchases and refinancing. Competing with national lenders like Rocket Mortgage and local banks. Estimated revenue contribution is 15% of total revenue, but market share is not publicly disclosed.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include national banks like Bank of America and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory changes. Regional banks are focused on maintaining asset quality and growing their loan portfolios.
Positioning
First Commonwealth Financial is a regional bank focusing on building strong relationships with customers in its core markets. Its competitive advantage lies in its local market knowledge 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. First Commonwealth is positioned as a key regional player, but its share of the TAM is still relatively small.
Upturn SWOT Analysis
Strengths
- Strong presence in Pennsylvania and Ohio
- Solid customer relationships
- Diversified business lines
- Sound asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on net interest income
- Relatively small market capitalization
- Higher expense ratios compared to peers
Opportunities
- Acquisitions of smaller banks
- Expansion into new markets
- Increased adoption of digital banking services
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC Financial Services Group (PNC)
- Huntington Bancshares Incorporated (HBAN)
- KeyCorp (KEY)
Competitive Landscape
First Commonwealth Financial competes with larger regional and national banks. Its competitive advantage lies in its local market knowledge and customer service, but it faces challenges due to its smaller size and limited geographic reach.
Major Acquisitions
Parkvale Financial Corporation
- Year: 2014
- Acquisition Price (USD millions): 181
- Strategic Rationale: Expanded market presence in Western Pennsylvania.
Growth Trajectory and Initiatives
Historical Growth: First Commonwealth Financial has grown steadily over the past decade through organic growth and strategic acquisitions. Focus on expanding its commercial lending and wealth management businesses.
Future Projections: Analysts project continued revenue and earnings growth in the coming years, driven by loan growth and fee income. Consensus estimates indicate EPS growth of 5-7% per year.
Recent Initiatives: Recent initiatives include investments in digital banking technology, expansion of wealth management services, and strategic acquisitions.
Summary
First Commonwealth Financial is a regional bank with a solid presence in Pennsylvania and Ohio. The company has shown consistent growth and profitability, but faces challenges from larger competitors and rising interest rates. Strategic acquisitions and investments in digital banking offer opportunities for future growth. It needs to watch out for Fintech companies offering alternative solutions to banking.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Actual financial data may vary. Market share data are estimates.
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 1548 | Website https://www.fcbanking.com |
Full time employees 1548 | 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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