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First Commonwealth Financial Corporation (FCF)

Financial Services | Banks - Regional | Indiana, United States | NYSE
20.34 USD +0.12 (0.593%) ⇧ (Oct. 16, 2026, 4 p.m. EDT)
After hours: 20.34
Short-term:★★★☆☆Long-term:★★★⯪☆Dividends:★★★☆☆
Hot Take ↕ | Oct. 10, 2026, 9 a.m. EDT

First Commonwealth Financial presents a compelling value case for patient capital, though the short-term path remains choppy. Fundamentally, the company is trading at a discount to its peers with a forward P/E of roughly 10x and a robust 33% payout ratio, indicating the dividend is safe and sustainable. The business is generating solid returns with nearly 11% ROE and healthy operating margins, supported by double-digit earnings growth. However, the stock has recently underperformed its longer-term average, sitting below its 50-day moving average, which suggests the market is currently pricing in near-term headwinds or rotation away from regional banks. While the analyst consensus is bullish with a target price significantly above the current level, the lack of aggressive options buying and the recent price weakness suggest the rally may be paused. This is a solid core holding for the long term, but investors should expect continued volatility in the coming weeks.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.038496
AutoETS0.040703
AutoARIMA0.040879
AutoTheta0.041326

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 51%
H-stat 5.23
Ljung-Box p 0.000
Jarque-Bera p 0.287
Excess Kurtosis -0.94
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-06
Last Dividend Date 2026-08-06
Revenue per Share 4.935
Market Cap 2,055,477,632
Trailing P/E 12.48
Forward P/E 10.40
Beta 0.75
Profit Margins 33.20%
Website https://www.fcbanking.com

As of Oct. 10, 2026, 9 a.m. EDT: Speculator positioning is extremely thin and fragmented, offering little clarity on immediate direction. Call volume is heavily skewed toward deep out-of-the-money strikes (35.0) suggesting speculative lottery tickets rather than directional bets, while put activity is negligible. The lack of meaningful open interest at standard strikes implies the market is currently indifferent or waiting for a catalyst, with no significant hedge or directional buildup visible in the provided data.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.65% 2.98% 3.28% 3.32%
Dividend History
Date Dividend Yield %
2026-08-07 0.1400 0.650860
2026-05-08 0.1400 0.754310
2026-02-06 0.1350 0.716941
2025-11-07 0.1350 0.857143
2025-08-08 0.1350 0.832819
2025-05-09 0.1350 0.862069
2025-02-07 0.1300 0.777977
2024-11-08 0.1300 0.705755
2024-08-02 0.1300 0.777047
2024-05-02 0.1300 0.956586
2024-02-08 0.1250 0.950570
2023-11-02 0.1250 0.993641
2023-08-03 0.1250 0.879044
2023-05-04 0.1250 1.063830
2023-02-02 0.1200 0.792602
2022-11-03 0.1200 0.858984
2022-08-04 0.1200 0.828729
2022-05-05 0.1200 0.876552
2022-02-03 0.1150 0.699088
2021-11-04 0.1150 0.741935
2021-08-05 0.1150 0.879205
2021-05-06 0.1150 0.756579
2021-02-04 0.1100 0.885668
2020-11-05 0.1100 1.292597
2020-08-06 0.1100 1.378446
2020-05-07 0.1100 1.385390
2020-02-06 0.1100 0.785153
2019-11-07 0.1000 0.686813
2019-08-01 0.1000 0.759301
2019-05-02 0.1000 0.739645
2019-02-07 0.1000 0.729927
2018-11-01 0.0900 0.681818
2018-08-02 0.0900 0.526316
2018-05-03 0.0900 0.599600
2018-02-01 0.0800 0.548321
2017-11-03 0.0800 0.553250
2017-08-03 0.0800 0.626468
2017-05-03 0.0800 0.617761
2017-02-02 0.0800 0.575126
2016-11-03 0.0700 0.697906
2016-08-04 0.0700 0.724638
2016-05-04 0.0700 0.795455
2016-02-04 0.0700 0.839329
2015-11-05 0.0700 0.732218
2015-08-06 0.0700 0.751880
2015-05-06 0.0700 0.771775
2015-02-05 0.0700 0.818713
2014-11-06 0.0700 0.742312
2014-07-31 0.0700 0.817757
2014-04-30 0.0700 0.814901
2014-02-06 0.0700 0.887199
2013-10-31 0.0600 0.690449
2013-08-01 0.0600 0.788436
2013-05-01 0.0600 0.883652
2013-02-07 0.0500 0.701262
2012-11-01 0.0500 0.769231
2012-08-01 0.0500 0.724638
2012-05-02 0.0500 0.778816
2012-02-01 0.0300 0.522648
2011-10-27 0.0300 0.652174
2011-07-27 0.0300 0.573614
2011-04-28 0.0300 0.478469
2011-01-27 0.0300 0.439239
2010-10-27 0.0100 0.178571
2010-07-28 0.0100 0.195313
2010-04-28 0.0100 0.152207
2010-01-27 0.0300 0.487805
2009-10-29 0.0300 0.527241
2009-08-04 0.0300 0.439883
2009-03-27 0.1200 1.324503
2008-12-29 0.1700 1.430976
2008-09-26 0.1700 1.338583
2008-06-26 0.1700 1.736466
2008-03-27 0.1700 1.441900
2007-12-27 0.1700 1.582868
2007-09-26 0.1700 1.474415
2007-06-27 0.1700 1.528777
2007-03-28 0.1700 1.428571
2006-12-27 0.1700 1.228324
2006-09-27 0.1700 1.293759
2006-06-28 0.1700 1.385493
2006-03-29 0.1700 1.191310
2005-12-28 0.1700 1.302682
2005-09-28 0.1650 1.243406
2005-06-28 0.1650 1.189618
2005-03-29 0.1650 1.232263
2004-12-29 0.1650 1.067961
2004-09-28 0.1600 1.176471
2004-06-28 0.1600 1.237432
2004-03-29 0.1600 1.101170
2003-12-29 0.1600 1.099656
2003-09-26 0.1550 1.203416
2003-06-26 0.1550 1.229183
2003-03-27 0.1550 1.314673
2002-12-27 0.1550 1.371681
2002-09-26 0.1500 1.200961
2002-06-26 0.1500 1.144165
2002-03-26 0.1500 1.107011
2001-12-27 0.1500 1.192369
2001-09-26 0.1450 1.223629
2001-06-27 0.1450 1.095166
2001-03-28 0.1450 1.407767
2000-12-27 0.1450 1.459119
2000-09-27 0.1400 1.534247
2000-06-28 0.1400 1.483444
2000-03-29 0.1400 1.454545
1999-12-28 0.1400 1.185185
1999-10-04 0.1300 1.034826
1999-06-28 0.1300 1.086162
1999-03-29 0.1150 1.095238
1998-12-28 0.1150 0.958333
1998-09-28 0.1100 0.884422
1998-06-26 0.1100 0.785714
1998-03-27 0.1100 0.756989
1997-12-29 0.1100 0.676923
1997-09-26 0.1000 0.916905
1997-06-26 0.1000 0.901408
1997-03-26 0.1000 1.088435
1996-12-27 0.1000 1.081081
1996-09-26 0.0900 0.986301
1996-06-26 0.0900 0.986301
1996-03-27 0.0900 0.966443
1995-12-27 0.0900 1.021277
1995-09-27 0.0800 1.015873
1995-06-28 0.0800 1.066667
1995-03-27 0.0800 1.113043
1994-12-23 0.0800 1.163636
1994-09-27 0.0700 0.868217
1994-06-27 0.0700 0.788732
1994-03-25 0.0700 0.835821
1993-12-28 0.0675 0.800000
1993-09-27 0.0625 0.843882
1993-06-25 0.0625 0.943396
1993-03-26 0.0625 0.909091
1992-12-24 0.0625 0.833333
1992-09-25 0.0525 0.727273
1992-06-25 0.0525 0.865979
Additional Data
dividendRate 0.56
dividendYield 2.75
exDividendDate 2026-08-07
trailingAnnualDividendRate 0.55
trailingAnnualDividendYield 0.027200792
lastDividendValue 0.14
lastDividendDate 2026-08-07
dividendDate 2026-08-21

Info Dump

Attribute Value
52 Week Change 0.26100433
Address1 601 Philadelphia Street
All Time High 22.34
All Time Low 3.47
Ask 32.62
Ask Size 300
Audit Risk 5
Average Analyst Rating 2.3 - Buy
Average Daily Volume10 Day 880,310
Average Daily Volume3 Month 899,867
Average Volume 899,867
Average Volume10Days 880,310
Beta 0.751
Bid 16.43
Bid Size 200
Board Risk 4
Book Value 15.581
City Indiana
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 1
Country United States
Crypto Tradeable 0
Currency USD
Current Price 20.34
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 20.53
Day Low 20.21
Display Name First Commonwealth Financial
Dividend Date 1,787,270,400
Dividend Rate 0.56
Dividend Yield 2.75
Earnings Call Timestamp End 1,793,217,600
Earnings Call Timestamp Start 1,793,217,600
Earnings Growth 0.375
Earnings Quarterly Growth 0.335
Earnings Timestamp 1,793,131,200
Earnings Timestamp End 1,793,131,200
Earnings Timestamp Start 1,793,131,200
Ebitda Margins 0.0
Enterprise To Revenue 4.282
Enterprise Value 2,171,120,384
Eps Current Year 1.72571
Eps Forward 1.95571
Eps Trailing Twelve Months 1.63
Esg Populated 0
Ex Dividend Date 1,786,060,800
Exchange NYQ
Exchange Data Delayed By 20
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 20.8482
Fifty Day Average Change -0.5081997
Fifty Day Average Change Percent -0.024376191
Fifty Two Week Change Percent 26.100433
Fifty Two Week High 22.34
Fifty Two Week High Change -2.0
Fifty Two Week High Change Percent -0.08952551
Fifty Two Week Low 15.0
Fifty Two Week Low Change 5.34
Fifty Two Week Low Change Percent 0.356
Fifty Two Week Range 15.0 - 22.34
Financial Currency USD
First Trade Date Milliseconds 708,183,000,000
Five Year Avg Dividend Yield 3.22
Float Shares 98,349,576
Forward Eps 1.95571
Forward P E 10.400314
Full Exchange Name NYSE
Full Time Employees 1,589
Fullday Change 0.12000084
Fullday Change Percent 0.593476
Fullday Price 20.34
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 507,073,984
Has Pre Post Market Data 1
Held Percent Insiders 0.01616
Held Percent Institutions 0.80514
Implied Shares Outstanding 101,055,925
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,786,060,800
Last Dividend Value 0.14
Last Fiscal Year End 1,767,139,200
Last Split Date 942,969,600
Last Split Factor 2:1
Long Business Summary First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company's consumer services include internet, mobile, and telephone banking; an automated teller machine network; 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, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.
Long Name First Commonwealth Financial Corporation
Market us_market
Market Cap 2,055,477,632
Market State CLOSED
Max Age 86,400
Message Board Id finmb_323780
Most Recent Quarter 1,782,777,600
Net Income To Common 168,340,992
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 2,083,773,173
Number Of Analyst Opinions 7
Open 20.29
Operating Cashflow 191,716,992
Operating Margins 0.45363998
Overall Risk 3
Payout Ratio 0.3344
Peg Ratio 1.46
Phone 724 349 7220
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 20.34
Post Market Time 1,792,180,830
Previous Close 20.22
Price Eps Current Year 11.786453
Price Hint 2
Price To Book 1.3054361
Price To Sales Trailing12 Months 4.053605
Profit Margins 0.33199
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.28571
Region US
Regular Market Change 0.120001
Regular Market Change Percent 0.593476
Regular Market Day High 20.53
Regular Market Day Low 20.21
Regular Market Day Range 20.21 - 20.53
Regular Market Open 20.29
Regular Market Previous Close 20.22
Regular Market Price 20.34
Regular Market Time 1,792,180,802
Regular Market Volume 758,570
Return On Assets 0.01377
Return On Equity 0.109069996
Revenue Growth 0.096
Revenue Per Share 4.935
Sand P52 Week Change 0.13723719
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 6
Shares Outstanding 101,055,925
Shares Percent Shares Out 0.0464
Shares Short 4,693,402
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 3,262,351
Short Name First
Short Percent Of Float 0.0648
Short Ratio 4.65
Source Interval 15
State PA
Symbol FCF
Target High Price 25.0
Target Low Price 23.5
Target Mean Price 24.07143
Target Median Price 24.0
Total Cash 196,082,000
Total Cash Per Share 1.948
Total Debt 319,700,000
Total Revenue 507,073,984
Tradeable 0
Trailing Annual Dividend Rate 0.55
Trailing Annual Dividend Yield 0.027200792
Trailing Eps 1.63
Trailing P E 12.478528
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 19.25225
Two Hundred Day Average Change 1.0877495
Two Hundred Day Average Change Percent 0.05649986
Type Disp Equity
Volume 758,570
Website https://www.fcbanking.com
Zip 15,701