Is First Commonwealth Financial (FCF) overvalued or fairly valued?

MarketChacha shows First Commonwealth Financial's valuation in context — a trailing P/E of about 14.0, a forward P/E of about 10.8, a price-to-book of about 1.4 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does First Commonwealth Financial's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.04×) from reported figures — education, not a rating.

What is the share price of First Commonwealth Financial (FCF)?

First Commonwealth Financial last traded at $21.34 (+0.9% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

First Commonwealth Financial

FCF · NYSE · Financials · United States

Snapshot

TickerFCF

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees1,589

HeadquartersIndiana, United States

Websitewww.fcbanking.com

Filings tracked16

About First Commonwealth Financial

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.

Who owns it

Insiders1.6%
Institutions80.5%
Public & other17.9%

364 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.71%
Dimensional Fund Advisors LP6.37%
Vanguard Portfolio Management LLC6.22%
State Street Corporation5.21%
Vanguard Capital Management LLC4.33%
Franklin Resources, Inc.4.05%
Fuller & Thaler Asset Management Inc.3.33%
Geode Capital Management, LLC2.60%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.04×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $142.8M · EPS 0.47

Est. earnings growth +9.3%

Next fiscal year

Rev $589.6M · EPS 1.97

Est. earnings growth +13.9%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

9.8%

Profit CAGR (2y)

-1.5%

EPS (FY2025)

1.47

Net profit (FY2025)

$152.3M

Ask MarketChacha about FCF

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$152.3M	1.47	9.8%
FY2024	$142.6M	1.39	10.1%
FY2023	$157.1M	1.54	12.0%

Quarterly

Period	Net profit	EPS
2026Q2	$44.6M	0.44
2026Q1	$37.5M	0.37
2025Q3	$41.3M	0.39
2025Q2	$33.4M	0.32
2025Q1	$32.7M	0.32
2024Q3	$32.1M	0.31
2024Q2	$37.1M	0.36
2024Q1	$37.5M	0.37
2023Q3	$39.2M	0.38
2023Q2	$42.8M	0.42
2023Q1	$30.2M	0.30

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q — FORM 10-Q
SEC8/10/2026
8-K — Bylaw/charter change, Exhibits
SEC7/31/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/28/2026material
10-Q — FORM 10-Q
SEC5/11/2026
8-K — Shareholder vote results, Exhibits
SEC5/1/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/28/2026material
8-K — Other events, Exhibits
SEC4/15/2026material
10-K — FORM 10-K
SEC3/2/2026
8-K — Results of operations, Executive/director change, Reg FD disclosure, Exhibits
SEC1/28/2026material

2025

8-K — Reg FD disclosure, Exhibits
SEC12/1/2025material
10-Q — FORM 10-Q
SEC11/10/2025
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC11/4/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/28/2025material
10-Q — FORM 10-Q
SEC8/11/2025
8-K — Executive/director change, Exhibits
SEC8/4/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/30/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.