Stocks · Financial Services · Banks - Regional
First Commonwealth Financial Corporation FCF
$20.56 +1.38% Close, Oct 2, 2026 · NYSE · Market cap $2.09B
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 12.6× trailing earnings, higher than 90% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 135 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $1.63, up 25.4% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth26Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 10%
- EPS growth (TTM, YoY)Top 44%
- FCF growth (TTM, YoY)Top 39%
- Revenue growth, 3-year CAGRTop 33%
- Revenue growth accelerationBottom 10%
Quality45Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 30%
- Gross marginBottom 43%
- Operating marginBottom 43%
- Cash conversion (OCF / net income)Bottom 48%
- Accruals (lower is better)Bottom 44%
- Net debt / EBITDA (lower is better)Top 50%
- Interest coverBottom 31%
Value41Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 38%
- Free-cash-flow yieldTop 45%
- EBITDA / enterprise valueBottom 43%
- Sales / enterprise valueBottom 41%
- P/E vs own 5-year history (lower is better)Bottom 14%
Momentum69Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 29%
- 6-month returnTop 28%
- 1-year return vs S&P 500Top 29%
- Distance from 52-week highTop 40%
- Trend checklist (0–4)Top 48%
Revisions50Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 23%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 46%
- Upside to consensus price targetTop 11%
Stability64Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 26%
- Maximum drawdown, 3 yearsTop 45%
- Beta vs S&P 500 (lower is better)Top 48%
- Net debt / EBITDA (lower is better)Top 50%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.6% | -12.0% | ↓ |
| EPS growth (YoY) | 12.7% | 25.4% | ↑ |
| Gross margin | 64.3% | 62.8% | ↓ |
| Operating margin | 23.8% | 18.8% | ↓ |
| FCF margin | 19.2% | 28.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -12.0% | 5.6% | ↓ | Bottom 10% |
| EPS growth (TTM, YoY) | 25.4% | 12.7% | ↑ | Top 44% |
| Gross margin | 62.8% | 64.3% | ↓ | Bottom 43% |
| Operating margin | 18.8% | 23.8% | ↓ | Bottom 43% |
| Net margin | 27.0% | 18.9% | ↑ | — |
| Free-cash-flow margin | 28.8% | 19.2% | ↑ | — |
| Return on invested capital | 4.8% | — | Top 30% | |
| Revenue growth, 3-year CAGR | 19.4% | — | Top 33% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.14×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.27×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.69%
- Net buyback yield (TTM)
- 3.35%
- Shareholder yield
- 6.04%
- Share count change, 1 year
- -1.9%
- Share count change, 3-year CAGR
- -0.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -2.2%
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $30.00
- Target vs current price
- +45.9%
- Analysts with a rating
- 18
- Share rating Buy or Strong Buy
- 44%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +3.9% | +2.4% | +4.2% | +0.4% | — |
| Apr 28, 2026 | -12.6% | +1.3% | -1.0% | +1.3% | +11.4% |
| Jan 27, 2026 | +4.9% | +1.0% | +4.2% | +1.4% | +5.5% |
| Oct 28, 2025 | -4.9% | +0.5% | -5.2% | -1.2% | +7.1% |
| Jul 29, 2025 | +11.8% | -1.5% | +1.7% | +7.7% | -1.2% |
| Apr 29, 2025 | +0.0% | +1.6% | +3.3% | +3.1% | +6.9% |
| Jan 28, 2025 | -2.8% | +0.3% | -2.3% | -2.4% | -10.3% |
| Oct 29, 2024 | -13.9% | -0.9% | -4.8% | +13.6% | -1.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.44 | $0.42 | +3.9% | $139.4M |
| Apr 28, 2026 | $0.37 | $0.42 | -12.6% | $133.7M |
| Jan 27, 2026 | $0.43 | $0.41 | +4.9% | $137.8M |
| Oct 28, 2025 | $0.39 | $0.41 | -4.9% | $136.0M |
| Jul 29, 2025 | $0.38 | $0.34 | +11.8% | $130.9M |
| Apr 29, 2025 | $0.32 | $0.32 | +0.0% | $118.0M |
| Jan 28, 2025 | $0.35 | $0.36 | -2.8% | $120.4M |
| Oct 29, 2024 | $0.31 | $0.36 | -13.9% | $121.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.6× | 11.3× | 90th | Top 38% |
| P/E (forward) | 11.9× | — | — | — |
| EV / EBITDA | 18.7× | — | — | Bottom 43% |
| EV / Sales | 3.60× | — | — | Bottom 41% |
| Free-cash-flow yield | 8.57% | — | — | Top 45% |
| Earnings yield | 7.93% | — | — | Top 38% |
P/E over the past five years
Range 8.5× – 13.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +22.0%
- Earnings per share growth (TTM)
- +25.4%
- Change in P/E multiple
- +5.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 135
- 50-day average slope (20 days)
- +0.7%
- 200-day average slope (20 days)
- +2.4%
- Distance from 50-day average
- -2.7%
- Distance from 200-day average
- +7.6%
- RSI (14)
- 43.4
- Relative volume
- 1.38×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.0%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.69
- Correlation with S&P 500
- 0.46
- Current drawdown from 1-year high
- -6.3%
- Maximum drawdown, 3 years
- -27.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 11, 2023 | -34.7% | 331 days | 302 days (Jul 25, 2024) |
| Nov 25, 2024 | Apr 7, 2025 | -27.5% | 89 days | 295 days (Jun 10, 2026) |
| May 21, 2021 | Sep 21, 2021 | -19.9% | 84 days | 29 days (Nov 1, 2021) |
| Jul 25, 2024 | Aug 14, 2024 | -15.7% | 14 days | 59 days (Nov 6, 2024) |
| Mar 12, 2021 | Apr 20, 2021 | -10.9% | 26 days | 23 days (May 21, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.09B
- P/E (TTM)
- 12.6
- EPS, diluted (TTM)
- $1.63
- Revenue (TTM)
- $622.5M
- Dividend yield
- 2.68%
- 52-week range
- $15.00 – $22.34
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $400.6M | $428.7M | $626.6M | $699.7M | $729.4M |
| Gross profit | $386.7M | $389.8M | $467.5M | $449.0M | $493.1M |
| Operating income | $172.8M | $160.2M | $197.6M | $178.2M | $198.4M |
| Net income | $138.3M | $128.2M | $157.1M | $142.6M | $152.3M |
| EPS (diluted) | $1.44 | $1.37 | $1.54 | $1.39 | $1.47 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $179.0M | $175.3M | $169.6M | $183.6M | $187.6M | $188.6M | $179.3M | $67.0M |
| Net income | $32.1M | $35.8M | $32.7M | $33.4M | $41.3M | $44.9M | $37.5M | $44.6M |
| EPS (diluted) | $0.31 | $0.35 | $0.32 | $0.32 | $0.39 | $0.43 | $0.37 | $0.44 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $165.0M | $151.4M | $150.8M | $129.5M | $187.5M |
| Capital expenditure | -$10.6M | -$11.2M | -$22.0M | -$15.5M | -$16.1M |
| Free cash flow | $154.4M | $140.2M | $128.7M | $113.9M | $171.4M |
| Dividends paid | -$43.6M | -$44.6M | -$50.8M | -$52.6M | -$55.5M |
| Net share buybacks | -$31.1M | -$15.4M | -$14.7M | -$12.4M | -$35.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.78B
- Total assets
- $12.21B
- Total liabilities
- $10.64B
- Total debt
- $263.0M
- Net debt
- $152.7M
- Shareholders’ equity
- $1.57B
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.14 | Aug 21, 2026 |
| May 8, 2026 | $0.14 | May 22, 2026 |
| Feb 6, 2026 | $0.14 | Feb 20, 2026 |
| Nov 7, 2025 | $0.14 | Nov 21, 2025 |
| Aug 8, 2025 | $0.14 | Aug 22, 2025 |
| May 9, 2025 | $0.14 | May 23, 2025 |
| Feb 7, 2025 | $0.13 | Feb 21, 2025 |
| Nov 8, 2024 | $0.13 | Nov 22, 2024 |
Short interest
- Shares sold short
- 3,874,658
- Days to cover
- 4.53
- Change vs previous report
- +18.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 19, 1999
- 2-for-1
- Feb 11, 1994
- 2-for-1