FIRST COMMONWEALTH FINANCIAL CORP (FCF)

What FIRST COMMONWEALTH FINANCIAL CORP does

First Commonwealth Financial Corporation is a bank holding company headquartered in Indiana, Pennsylvania, operating First Commonwealth Bank with 126 community banking offices across 30 counties in western and central Pennsylvania and Ohio. The company provides consumer and commercial banking services, trust and wealth management services, and insurance products through its subsidiaries. As of December 31, 2025, the company had total assets of $12.3 billion, total loans of $9.8 billion, and total deposits of $10.3 billion.

Fundamentals

• Price$20.29 as of 2026-07-09 close
• Market cap$2.1B as of 2026-07-10
• 1-year return+18.7% as of 2026-07-09 close
• P/E13.06 as of 2026-07-10
• Net margin+31.2% as of 2026-07-10
• ROE+10.2% as of 2026-07-10
• Debt / equity0.10 as of 2026-07-10
• Revenue growth (YoY)+56.9% as of 2026-07-10
• Beta0.76 as of 2026-07-10

Dividend: yield +2.8%; 5-year non-decreasing per-share dividend streak (SEC XBRL).

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Key risks (from latest filing)

["Credit risk exposure from loan portfolio of $9.4 billion in regional markets with potential economic cyclicality","Interest rate risk as rising rates increase deposit costs and impact net interest margin","Integration risk from acquisition activity (including April 2025 CenterBank acquisition and prior acquisitions) could impact profitability and operational efficiency"]

See FCF's biggest risks from its latest 10-Q →

Competitors & peers

• PNC Financial Services Group (PNC)
• Huntington Bancshares (HBAN)
• KeyCorp (KEY)
• Comerica (CMA)
• M&T Bank Corporation (MTB)
• Truist Financial (TFC)

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