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First commonwealth financial corporationFCF.US Overview

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FCF Recent Performance

1.25%

First commonwealth financial corporation

1.79%

Avg of Sector

-0.31%

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FCF Key Information

FCF Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

FCF Profile

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include 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, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. It also offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. As of December 31, 2021, the company operated 118 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio; corporate banking centers in Pittsburgh, Pennsylvania, as well as Columbus, Canton, and Cleveland, Ohio; and mortgage banking offices in Wexford, Pennsylvania, and Hudson, Westlake, as well as Lewis Center, Ohio. It also operates 136 automated teller machines. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.

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FCF FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

FCF Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.47
PE Ratio (TTM)
11.84
Forward PE
10.99
PS Ratio (TTM)
3.75
PB Ratio
1.20
Price-to-FCF
10.97
METRIC
VALUE
vs. INDUSTRY
Gross Margin
90.67%
Net Margin
28.00%
Revenue Growth (YoY)
21.15%
Profit Growth (YoY)
9.85%
3-Year Revenue Growth
22.26%
3-Year Profit Growth
10.14%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.47
PE Ratio (TTM)
11.84
Forward PE
10.99
PS Ratio (TTM)
3.75
PB Ratio
1.20
Price-to-FCF
10.97
Gross Margin
90.67%
Net Margin
28.00%
Revenue Growth (YoY)
21.15%
Profit Growth (YoY)
9.85%
3-Year Revenue Growth
22.26%
3-Year Profit Growth
10.14%

  • When is FCF's latest earnings report released?

    The most recent financial report for First commonwealth financial corporation (FCF) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FCF's short-term business performance and financial health. For the latest updates on FCF's earnings releases, visit this page regularly.

  • Where does FCF fall in the P/E River chart?

    According to historical valuation range analysis, First commonwealth financial corporation (FCF)'s current price-to-earnings (P/E) ratio is 9.66, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of FCF?

    According to the latest financial report, First commonwealth financial corporation (FCF) reported an Operating Profit of 63.44M with an Operating Margin of 33.63% this period, representing a growth of 42.17% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is FCF's revenue growth?

    In the latest financial report, First commonwealth financial corporation (FCF) announced revenue of 188.64M, with a Year-Over-Year growth rate of 65.58%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does FCF have?

    As of the end of the reporting period, First commonwealth financial corporation (FCF) had total debt of 409.71M, with a debt ratio of 0.03. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does FCF have?

    At the end of the period, First commonwealth financial corporation (FCF) held Total Cash and Cash Equivalents of 103.28M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does FCF go with three margins increasing?

    In the latest report, First commonwealth financial corporation (FCF) achieved the “three margins increasing” benchmark, with a gross margin of 73.11%%, operating margin of 33.63%%, and net margin of 23.79%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FCF's profit trajectory and future growth potential.

  • Is FCF's EPS continuing to grow?

    According to the past four quarterly reports, First commonwealth financial corporation (FCF)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.43. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of FCF?

    First commonwealth financial corporation (FCF)'s Free Cash Flow (FCF) for the period is 45.97M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 8.49% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of FCF?

    The latest valuation data shows First commonwealth financial corporation (FCF) has a Price-To-Earnings (PE) ratio of 9.66 and a Price/Earnings-To-Growth (PEG) ratio of 1.29. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.