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FCF logo FCF
Upturn stock ratingUpturn stock rating
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First Commonwealth Financial (FCF)

Upturn stock ratingUpturn stock rating
$16.23
Last Close (24-hour delay)
Profit since last BUY3.64%
upturn advisory
Consider higher Upturn Star rating
BUY since 35 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: FCF (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

6 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $18

1 Year Target Price $18

Analysts Price Target For last 52 week
$18Target price
Low$13.27
Current$16.23
high$19.64

Analysis of Past Performance

Type Stock
Historic Profit 1%
Avg. Invested days 29
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.72B USD
Price to earnings Ratio 12.2
1Y Target Price 18
Price to earnings Ratio 12.2
1Y Target Price 18
Volume (30-day avg) 6
Beta 0.79
52 Weeks Range 13.27 - 19.64
Updated Date 06/29/2025
52 Weeks Range 13.27 - 19.64
Updated Date 06/29/2025
Dividends yield (FY) 3.30%
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 12.2
Forward PE 11.27
Enterprise Value 1959367424
Price to Sales(TTM) 3.82
Enterprise Value 1959367424
Price to Sales(TTM) 3.82
Enterprise Value to Revenue 4.28
Enterprise Value to EBITDA -
Shares Outstanding 104939000
Shares Floating 102326588
Shares Outstanding 104939000
Shares Floating 102326588
Percent Insiders 1.93
Percent Institutions 75.51

Analyst Ratings

Rating 3
Target Price 18
Buy 1
Strong Buy 2
Buy 1
Strong Buy 2
Hold 3
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

First Commonwealth Financial

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1538

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.