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FIRST COMMONWEALTH FINANCIAL CORP (FCF)

Financials · regional banking · NYSE

A diversified financial services holding company providing community banking, wealth management, and insurance solutions across Pennsylvania and Ohio.

What FIRST COMMONWEALTH FINANCIAL CORP does

First Commonwealth Financial Corporation is a financial holding company providing a range of banking, wealth management, and insurance products and services. The company operates primarily through its subsidiary, First Commonwealth Bank, serving individual and business customers through a network of offices in Pennsylvania and Ohio. Its services include consumer and commercial lending, deposit products, trust and fiduciary services, and brokerage operations.

Themes: regional banking, wealth management, community finance, commercial lending

Fundamentals

  • Price$21.09 as of 2026-08-21 close
  • Market cap$2.1B as of 2026-08-21
  • 1-year return+25.1% 2025-08-21 close $16.86 → 2026-08-21 close $21.09
  • P/E13.93 as of 2026-08-24
  • Net margin+31.2% as of 2026-08-24
  • ROE+10.2% as of 2026-08-24
  • Debt / equity0.10 as of 2026-08-24
  • Beta0.77 as of 2026-08-24
  • Last reported earnings2026-07-28 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +3.8%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.

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How FCF compares in its sector

  • price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
  • net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
  • operating margintop 25% 534 covered Financials peers, as of 2026-08-24
  • return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
  • indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
  • free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Top 10 scores & list membership

FCF is not currently in any published Top 10 list. Its scores are below.

Long-term score

Not scored for the long-term list: no growth data.

Short-term score

52.4 #642 of 1,704 scored · #108 of 277 in Financials

  • Trend57.8
  • Momentum51.6
  • Setup68.8
  • Volume and participation49.0
  • Catalysts32.5

Setup 69th: no fresh 20-day breakout up or down; trend 58th: a trend forming but not yet strong (ADX below 25); weakest is catalysts 33rd: open-market insider buys in 90 days 0, analysts' average price target is unchanged from the prior reading.

Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.

Dividend coverage (FY2025)

Covered by reported results. In FY2025, FCF's dividend was covered by reported results (earnings payout 36%, free-cash-flow payout 32%). This describes past coverage, not a forecast.

  • Earnings payout36% dividends / net income
  • Free-cash-flow payout32% dividends / (operating cash flow − capex)

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

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How FIRST COMMONWEALTH FINANCIAL CORP looks technically

FIRST COMMONWEALTH FINANCIAL CORP (FCF) is trading 14.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 167 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 25 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 14 trading days ago.

Trend

7
Distance from the 200-dayit is trading 14.8% above its 200-day average, the long-term trend line — a longer-term uptrend+14.8%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $20.78$20.78
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $18.37$18.37
Swing structureeach recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes nexthigher highs and higher lows
Last swing turnits last significant turn was a swing low 14 calendar days ago — the swings before that are what the structure reading is measured on14 sessions
Since the 50/200 crossits 50-day average crossed above its 200-day average about 167 trading days ago — a "golden cross", a bullish long-term signal167 sessions
Trend strength (14-day ADX)a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 25 (a reading of 25+ marks a strong trend)24.9

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30)47.6
Position in its 14-day rangeit is trading near the bottom of its 14-day range ($20.94 to $22.07) — its "stochastic" reading is 13 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions.13.3
Since the MACD crossed zeroMACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish)11 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $22.34$22.34
From the 52-week highit is 5.6% below its 52-week high (its highest price of the past year)-5.6%
Above the 52-week lowit is 40.6% above its 52-week low (its lowest price of the past year)+40.6%
Below the 52-week highit is 5.6% below its highest point of the past year5.6%
Since a 20-day breakoutit made a new 20-day high about 14 trading days ago14 sessions
Since a 55-day breakoutit made a new 55-day high about 14 trading days ago14 sessions
All-time highits highest closing price on record is $22.34 (set on 2026-07-29)$22.34
Given back of the 52-week moveover the past year its closes ranged ($15.29 to $21.95), and it has given back only a small part of its rise from last year’s low — 13% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $17.62 to $17.83. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.12.9%
From the all-time highit is 5.6% below its all-time high-5.6%
Nearest price levelit is trading 0.5% above a support level at $20.98 — a price it turned at twice since 2026-07-02, most recently on 2026-08-07. Since 2024-08-21 it has 10 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.-0.5%
All-time lowits lowest closing price on record is $3.47 (set on 2011-10-04)$3.47
Above the all-time lowit is 507.8% above its all-time low+507.8%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 86% of it)14th percentile
Typical daily rangein a typical session it travels about $0.3852 between its high and its low — about 1.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$0.3852
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $20.97 and $21.99 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$20.97 – $21.48 – $21.99
Typical daily range (% of price)its price moves about 1.8% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price1.8%
Stretch from the 200-day averageit is trading 7.1 daily ranges above its 200-day average price (14.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale7.1 daily ranges above its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average0.82×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingthe analyst consensus rating is unchanged since the prior readingunchanged

Candlestick patterns

1
Since a doji4 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level4 sessions ago

Price gaps

3
Gap at the openit opened on 2026-08-21 0.5% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close+0.5%
Open gapit gapped 2.5% above the previous close 48 sessions ago and has not traded back through the level it left behind at 19.18 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed+2.5%
Gap filleda 2.2% gap up opened on 2026-07-29 has been "filled" 10 sessions ago — price traded back through the level the gap left behind, and it took 7 sessions to close10 sessions ago

Price streaks

1
Closing streakit closed lower in its latest session, after a session that did not close lower — a single down day rather than a run1 session down

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 1.8 percentage points (the stock gained 0.6% while the market gained 2.3%)-1.8%
vs market, 3 monthsover the past 3 months this stock beat the market by 9.4 percentage points (the stock gained 12.5% while the market gained 3.1%)+9.4%
vs market, 6 monthsover the past 6 months this stock beat the market by 3.4 percentage points (the stock gained 14.5% while the market gained 11.1%)+3.4%
vs market, 12 monthsover the past 12 months this stock beat the market by 4.6 percentage points (the stock gained 25.1% while the market gained 20.5%)+4.6%

Signal agreement

2
Bullish technical signals5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, near the bottom of its 14-day range (oversold), trading above the Ichimoku cloud — these describe past price behaviour, not a forecast5 of 9
Bearish technical signals1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast1 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 3.5% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 3.3% of the share price.+3.5%

Volume-weighted price

2
Vs this year’s average price paidthe price is 11% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $19.00 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP.+11.0%
Vs the average paid since it last reportedthe price is 2% below the average price paid since it last reported on 2026-07-28 (its 8-K), so the typical buyer over that stretch is under water. That average is $21.54 — a volume-weighted average of daily closes over 19 sessions, not a true tick-by-tick VWAP.-2.1%

Price levels it has turned at before

FCF last closed at $21.09 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.

LevelSideDistanceEvidence
$20.98Support0.5% below the last closeturned there twice · 2026-07-02 to 2026-08-07
$19.91Support5.6% below the last closeturned there twice · 2024-11-25 to 2026-07-08
$19.05Support9.7% below the last closeturned there four times · 2026-02-04 to 2026-04-28

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.

Read from daily closes as of 2026-08-21.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Consensus ratingBuy (2.17 mean, 1=Strong Buy…5=Strong Sell) — 6 analysts
  • Mean price target$24.08 range $23.50 – $25.00; median $24.00

Analyst estimates, as of 2026-08-21. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for FCF

  • Consensus EPS estimate$0.4567 next reporting period, as of 2026-08-21

Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["Interest rate fluctuations impacting net interest margin","Credit risk associated with the loan and lease portfolio","Competition within the financial services industry"]

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

What changed in the latest 10-Q

AI-assisted comparison of FCF's 10-Q filed 2026-05-11 against the prior one filed 2025-11-10.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Added discussion of ASU 2024-03 issued November 2024 regarding Income Statement expense disaggregation disclosures, effective for annual periods beginning in 2027 and interim periods within fiscal years beginning in 2028 (newer filing, 2026-05-11)
    • Added discussion of ASU 2025-06 issued September 2025 regarding Internal-Use Software accounting simplifications, effective in 2028 (newer filing, 2026-05-11)
    • Added discussion of ASU 2025-08 issued November 2025 regarding Financial Instruments Credit Losses and purchased seasoned loans, effective prospectively for loans acquired on or after adoption date for periods beginning in 2027 (newer filing, 2026-05-11)
    • Added discussion of ASU 2025-09 issued November 2025 regarding Derivatives and Hedging accounting changes, effective beginning in 2027 (newer filing, 2026-05-11)
    • Added Item 3 Quantitative and Qualitative Disclosures About Market Risk section with reference to Item 2 market risk discussion (newer filing, 2026-05-11)
    • Added Item 4 Controls and Procedures section describing evaluation of disclosure controls and procedures effectiveness (newer filing, 2026-05-11)
    • Added Item 1 Legal Proceedings section referencing Part I Item 1 Note 6 on Commitments and Contingent Liabilities (newer filing, 2026-05-11)
  • Removed:
    • Removed detailed net interest margin analysis for nine months ended September 30, 2025 and 2024 (older filing, 2025-11-10)
    • Removed yield and cost analysis for interest-earning assets and interest-bearing liabilities (older filing, 2025-11-10)
    • Removed discussion of investment portfolio yield increases and deposit composition changes (older filing, 2025-11-10)
    • Removed Center acquisition-related financial details and amounts (older filing, 2025-11-10)
    • Removed analysis of rate and volume impacts on net interest income (older filing, 2025-11-10)
    • Removed discussion of net free funds and noninterest-bearing demand deposits changes (older filing, 2025-11-10)
  • Reworded:
    • Opening sentence changed from detailed operational metrics to reference to Board of Directors capital and asset quality considerations (newer filing, 2026-05-11)
  • Notes:
    • The two filings appear to cover different reporting periods (Q2 2026 vs Q3 2025) and may represent different sections or versions of MD&A
    • The older filing excerpt contains extensive operational analysis that is entirely absent from the newer filing excerpt, suggesting these may be different portions of the MD&A or substantially restructured documents

Risk Factors

  • Added:
    • Newer filing (2026-05-11) presents consolidated statements for three months ended March 31, 2026 and December 31, 2025 (quarterly comparison)
    • Newer filing shows cash and due from banks of $118,134 thousand at March 31, 2026 versus $103,280 thousand at December 31, 2025
    • Newer filing includes interest-bearing bank deposits of $224,806 thousand at March 31, 2026 versus $77,082 thousand at December 31, 2025
    • Newer filing reports loans held for sale of $31,638 thousand at March 31, 2026 versus $271,452 thousand at December 31, 2025
    • Newer filing shows net income of $37,548 thousand for three months ended March 31, 2026
    • Newer filing includes 'Gain on sale of other loans and assets' of $2,182 thousand for three months ended March 31, 2026
    • Newer filing reports treasury stock acquired of 1,404,269 shares for $24,813 thousand in three months ended March 31, 2026
  • Removed:
    • Older filing (2025-11-10) presents consolidated statements for nine months ended September 30, 2025 (year-to-date comparison) which is removed in newer filing showing only quarterly data
    • Older filing includes comparison to prior year three months and nine months ended September 30, 2024, not present in newer filing
    • Older filing shows 'Provision for credit losses - acquisition day 1 non-PCD' of $3,759 thousand for nine months ended September 30, 2025, not applicable in newer quarterly presentation
    • Older filing includes 'Loss on early redemption of subordinated debt' of $369 thousand for nine months ended 2024, not present in newer filing
  • Reworded:
    • Consolidated Statements of Income presentation changed from dual three-month and nine-month comparisons (Sept 30, 2025 vs 2024, and nine months) to single three-month comparison (March 31, 2026 vs 2025)
    • Consolidated Statements of Comprehensive Income changed from dual presentation format (three months and nine months ended September 30) to single three-month format (three months ended March 31)
    • Consolidated Statements of Changes in Shareholders' Equity presentation changed from nine-month period ending September 30, 2025 to three-month period ending March 31, 2026
  • Notes:
    • The two filings represent different reporting periods (Q1 2026 ended March 31, 2026 versus Q3 2025 ended September 30, 2025), making direct operational comparison limited
    • Newer filing is for a different quarter and fiscal period than older filing, resulting in different balance sheet dates and income statement periods
    • Much of the apparent 'removal' reflects the natural difference between quarterly and year-to-date reporting rather than policy changes

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

0 open-market purchases and 43 open-market sales by insiders in the last 90 days.

  • Last 30 days0 buys · 12 sells ($45271) — 1 selling insider
  • Last 90 days0 buys · 43 sells ($324879) — 2 selling insiders
  • Last 180 days1 buy ($18580) · 69 sells ($2M) — 1 buying, 4 selling insiders

Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-08-05. As of 2026-08-24.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding FCF as of 2026-03-31 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 21,080,649
  • Reported value $370,597,813

reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

FCF had 3,092,874 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).

FCF had 3.06% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.12 days to cover at the same settlement.

  • Reported short interest (shares) 3,092,874
  • Short interest (% of shares outstanding) 3.06%
  • Prior settlement (shares) 3,207,160
  • Reported change -3.56%
  • Days to cover (reported) 3.12

Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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FIRST COMMONWEALTH FINANCIAL CORP is found in…

Frequently asked questions

What does FIRST COMMONWEALTH FINANCIAL CORP (FCF) do?

First Commonwealth Financial Corporation is a financial holding company providing a range of banking, wealth management, and insurance products and services. The company operates primarily through its subsidiary, First Commonwealth Bank, serving individual and business customers through a network of offices in Pennsylvania and Ohio. Its services include consumer and commercial lending, deposit products, trust and fiduciary services, and brokerage operations.

What sector is FIRST COMMONWEALTH FINANCIAL CORP (FCF) in?

FIRST COMMONWEALTH FINANCIAL CORP (FCF) is classified in the Financials sector. Its industry is regional banking. It trades on NYSE.

Does FCF pay a dividend?

Yes — FIRST COMMONWEALTH FINANCIAL CORP (FCF) pays a dividend, with an indicated yield of about 3.78% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.

Who are FIRST COMMONWEALTH FINANCIAL CORP's (FCF) competitors?

Notable peers of FIRST COMMONWEALTH FINANCIAL CORP (FCF) include PNC Financial Services Group, F.N.B. Corporation, Huntington Bancshares, S&T Bancorp and WesBanco. This peer set is informational only — not financial advice.

Is FIRST COMMONWEALTH FINANCIAL CORP (FCF) overbought or oversold right now?

FIRST COMMONWEALTH FINANCIAL CORP (FCF) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 48, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on FCF come from?

Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-08-21.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.

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