FCF
NEUTRAL
$18.62
Live
First Commonwealth Financial Corporation · NYSE
Target $20.67
(+11.0%)
$15.0
52W Range
$19.14
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 27, 2026
Market cap
$1.9B
P/E
12.67
ROE
10.3%
Profit margin
31.4%
Debt/Equity
N/A
Dividend yield
2.9%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
FCF presents a classic value disconnect: the stock is trading significantly below its Graham Number ($22.40) and Intrinsic Value ($43.37), yet it suffers from a very bearish technical trend (10/100) and negative insider sentiment. The Piotroski F-Score of 4/9 indicates stable but mediocre financial health, which is typical for regional banks in the current interest rate environment. While strong YoY earnings growth of 22.8% and a sustainable payout ratio are bullish, the consistent insider selling by the CFO and directors suggests internal caution. Consequently, the stock is a value play with significant momentum headwinds.
Key Strengths
Trading at a discount to Graham Number ($22.40) and Intrinsic Value ($43.37)
Strong YoY earnings growth of 22.80% and revenue growth of 14.80%
Sustainable dividend payout ratio of 36.39%
Healthy profit margin of 31.37% and operating margin of 46.46%
Low Forward P/E of 9.48 suggesting attractive future valuation
Key Risks
Strongly bearish insider activity with 5 sell transactions and 0 buys
Very weak technical trend (10/100) indicating strong downward momentum
Mediocre Piotroski F-Score (4/9) suggesting limited improvement in financial strength
Regional bank sector exposure to interest rate volatility and credit risk
Recent quarterly earnings inconsistency with 2/4 beats in the last year
AI Fair Value Estimate
Based on comprehensive analysis
$24.5
+31.6% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
67
Strong
88
75
60
45
65
AI Verdict
Undervalued but Momentum-Impaired
Key drivers: Deep value relative to intrinsic models, Strong growth metrics, Severe technical and insider bearishness
Confidence
90%
Value
88/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 12.67 is low
- Price is below Graham Number
- P/B of 1.23 is reasonable for the sector
Watchpoints
- PEG ratio of 1.46 is slightly elevated
Future
75/100
Ref Growth rates
Positives
- 22.8% YoY Earnings Growth
- 14.53% Q/Q Revenue Growth
Watchpoints
- Uncertainty in regional banking macro environment
Past
60/100
Ref Historical trends
Positives
- Consistent 5-year price appreciation (+53.6%)
- Long track record of earnings reporting
Watchpoints
- Recent earnings surprises have been mixed
Health
45/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski score of 4/9 is in the 'Stable' range
Watchpoints
- F-Score is not in the 'Strong' range (7-9)
- Lack of Altman Z-Score data for bank-specific risk
Dividend
65/100
Ref Yield, Payout
Positives
- Low payout ratio (36.39%) provides high safety
- Consistent dividend rate
Watchpoints
- Yield of 2.90% is modest compared to some regional peers
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$18.62
Analyst Target
$20.67
Upside/Downside
+11.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for FCF and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
FCF
First Commonwealth Financial Corporation
Primary
|
+53.6% | +73.5% | +26.2% | +14.9% | +7.7% | -1.0% |
|
EVT
Eaton Vance Tax-Advantaged Dividend Income Fund
Peer
|
+41.6% | +47.7% | +26.1% | +8.6% | +5.2% | -1.1% |
|
AGM
Federal Agricultural Mortgage Corporation
Peer
|
+153.5% | +48.7% | -9.9% | -0.9% | -3.9% | -0.9% |
|
NWBI
Northwest Bancshares, Inc.
Peer
|
+28.2% | +44.7% | +20.2% | +9.1% | +6.2% | -1.3% |
|
QFIN
Qfin Holdings, Inc.
Peer
|
-31.6% | -12.4% | -58.1% | -44.0% | +7.0% | +4.0% |
FCF
First Commonwealth Financial Corporation
Primary
5Y
+53.6%
3Y
+73.5%
1Y
+26.2%
6M
+14.9%
1M
+7.7%
1W
-1.0%
EVT
Eaton Vance Tax-Advantaged Dividend Income Fund
Peer
5Y
+41.6%
3Y
+47.7%
1Y
+26.1%
6M
+8.6%
1M
+5.2%
1W
-1.1%
AGM
Federal Agricultural Mortgage Corporation
Peer
5Y
+153.5%
3Y
+48.7%
1Y
-9.9%
6M
-0.9%
1M
-3.9%
1W
-0.9%
NWB
Northwest Bancshares, Inc.
Peer
5Y
+28.2%
3Y
+44.7%
1Y
+20.2%
6M
+9.1%
1M
+6.2%
1W
-1.3%
QFI
Qfin Holdings, Inc.
Peer
5Y
-31.6%
3Y
-12.4%
1Y
-58.1%
6M
-44.0%
1M
+7.0%
1W
+4.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.67
Forward P/E
9.48
PEG Ratio
1.46
P/B Ratio
1.23
P/S Ratio
3.92
EV/Revenue
4.46
EV/EBITDA
N/A
Market Cap
$1.9B
Profitability
Profit margins and return metrics
Profit Margin
31.37%
Operating Margin
46.46%
Gross Margin
N/A
ROE
10.29%
ROA
1.27%
Growth
Revenue and earnings growth rates
Revenue Growth
+14.8%
Earnings Growth
+22.8%
Q/Q Revenue Growth
+14.53%
Q/Q Earnings Growth
+25.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$1.87
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
32.5%
Total Assets
$12.3B
Liabilities
$10.8B
Equity
$1.6B
Debt/Equity
6.94x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
96%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-28
$N/A
2026-01-27
$0.43
+3.2% surprise
2025-10-28
$0.39
-4.9% surprise
2025-07-29
$0.38
+9.1% surprise
Financial Services Sector Comparison
Comparing FCF against 763 companies in the Financial Services sector
(133 bullish, 317 neutral, 313 bearish)
P/E Ratio
12.67
This Stock
vs
38.21
Sector Avg
-66.9%
(Discount)
Return on Equity (ROE)
10.29%
This Stock
vs
-1.82%
Sector Avg
-665.3%
(Below Avg)
Profit Margin
31.37%
This Stock
vs
75.74%
Sector Avg
-58.6%
(Weaker)
Revenue Growth
14.8%
This Stock
vs
37.18%
Sector Avg
-60.2%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
FCF
First Commonwealth...
|
NEUTRAL | $1.9B | 12.67 | 10.3% | 31.4% | $18.62 | |
|
EVT
Eaton Vance Tax-Advantaged...
|
NEUTRAL | $1.91B | 10.27 | 9.4% | 276.4% | $25.67 | Compare |
|
AGM
Federal Agricultural...
|
NEUTRAL | $1.87B | 10.02 | 13.7% | 57.2% | $171.22 | Compare |
|
NWBI
Northwest Bancshares, Inc.
|
BULLISH | $1.94B | 14.43 | 7.2% | 21.0% | $13.28 | Compare |
|
QFIN
Qfin Holdings, Inc.
|
BULLISH | $1.86B | 2.19 | 24.7% | 31.2% | $14.13 | Compare |
FCF
First...
NEUTRAL
Mkt Cap
$1.9B
P/E
12.7
ROE
10.3%
Price
$18.62
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-06 | RESKE JAMES R | Chief Financial Officer | Sale | 2,072 | $37,007 |
| 2026-03-05 | RESKE JAMES R | Chief Financial Officer | Sale | 2,072 | $36,432 |
| 2026-02-06 | GREBENC JANE | Officer and Director | Sale | 18,598 | $350,606 |
| 2026-02-05 | RESKE JAMES R | Chief Financial Officer | Sale | 2,072 | $39,199 |
| 2026-02-05 | GREBENC JANE | Officer and Director | Sale | 7,402 | $138,905 |
| 2026-02-03 | BRICE TODD D | Director | Purchase | 1,000 | $18,230 |
| 2026-01-27 | PRICE T MICHAEL | Chief Executive Officer | Stock Award | 41,400 | - |
| 2026-01-27 | PRICE T MICHAEL | Chief Executive Officer | Option Exercise | 13,800 | $244,260 |
| 2026-01-27 | RESKE JAMES R | Chief Financial Officer | Stock Award | 21,000 | - |
| 2026-01-27 | RESKE JAMES R | Chief Financial Officer | Option Exercise | 7,000 | $123,900 |
| 2026-01-27 | TOMB MATTHEW C | Officer | Stock Award | 18,300 | - |
| 2026-01-27 | TOMB MATTHEW C | Officer | Option Exercise | 6,100 | $107,970 |
| 2026-01-27 | TOMB MATTHEW C | Officer | Stock Award | 18,300 | - |
| 2026-01-27 | TOMB MATTHEW C | Officer | Option Exercise | 6,100 | $107,970 |
| 2026-01-27 | GREBENC JANE | Officer and Director | Stock Award | 23,550 | - |
RESKE JAMES R
Chief Financial Officer
2026-04-06
2,072 shares
·
$37,007
RESKE JAMES R
Chief Financial Officer
2026-03-05
2,072 shares
·
$36,432
GREBENC JANE
Officer and Director
2026-02-06
18,598 shares
·
$350,606
RESKE JAMES R
Chief Financial Officer
2026-02-05
2,072 shares
·
$39,199
GREBENC JANE
Officer and Director
2026-02-05
7,402 shares
·
$138,905
BRICE TODD D
Director
2026-02-03
1,000 shares
·
$18,230
PRICE T MICHAEL
Chief Executive Officer
2026-01-27
41,400 shares
PRICE T MICHAEL
Chief Executive Officer
2026-01-27
13,800 shares
·
$244,260
RESKE JAMES R
Chief Financial Officer
2026-01-27
21,000 shares
RESKE JAMES R
Chief Financial Officer
2026-01-27
7,000 shares
·
$123,900
TOMB MATTHEW C
Officer
2026-01-27
18,300 shares
TOMB MATTHEW C
Officer
2026-01-27
6,100 shares
·
$107,970
TOMB MATTHEW C
Officer
2026-01-27
18,300 shares
TOMB MATTHEW C
Officer
2026-01-27
6,100 shares
·
$107,970
GREBENC JANE
Officer and Director
2026-01-27
23,550 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
DEF 14A
10-K
8-K
10-Q
8-K
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
6 analysts
Keefe, Bruyette & Woods
2026-01-29
Market Perform
Market Perform
Raymond James
2026-01-07
Market Perform
Outperform
Past News Coverage
Recent headlines mentioning FCF from our newsroom.
Newest → oldest
No matching news yet.