Stock AnalizFirst Commonwealth Financial Corp. FCF
Major Banks · data as of November 13, 2026
First Commonwealth Financial Corp. (FCF) is a financial company listed in the US with a market value of about $2.0B. In the twelve months to September 30, 2026 it had revenue of $554M and net income of $172M, a net margin of 31.0%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is value (4/5); the weakest is future growth (0/5).
Key numbers: a P/E of 12.4, a price to free cash flow of 14.1, 5-year revenue growth of 8% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 8% below the current price.
Score: 2.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $554M | $523M | $478M | $482M | $411M | $385M | $363M | $355M | $341M | $309M | $264M |
| Net income | $172M | $152M | $143M | $157M | $128M | $138M | $73M | $105M | $107M | $55M | $60M |
| Free cash flow | $143M | $171M | $114M | $129M | $140M | $154M | $98M | $90M | $126M | $77M | $82M |
| EPS (diluted) | $1.69 | $1.47 | $1.39 | $1.54 | $1.37 | $1.44 | $0.75 | $1.07 | $1.08 | $0.58 | $0.67 |
| Net margin | 31.0% | 29.1% | 29.8% | 32.6% | 31.2% | 35.9% | 20.2% | 29.6% | 31.5% | 17.8% | 22.6% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 7 analysts is $23.79, 14% above the current price; targets range from $23.00 to $25.00; the consensus rating is “Buy”; expected EPS is $1.74 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is First Commonwealth Financial’s P/E ratio?
About 12.4, based on the last twelve months of diluted earnings per share (forward P/E about 10.6).
Is First Commonwealth Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 8% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does First Commonwealth Financial pay a dividend?
Yes. The dividend yield is about 2.67%, and it has paid dividends for 10 years in our data.
Is First Commonwealth Financial a good stock to buy?
We do not give buy or sell advice. First Commonwealth Financial scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.