First Commonwealth Financial Stock Analysis

FCF Stock  USD 16.27  0.10  0.61%   
First Commonwealth Financial is undervalued with Real Value of 17.12 and Target Price of 18.0. The main objective of First Commonwealth stock analysis is to determine its intrinsic value, which is an estimate of what First Commonwealth Financial is worth, separate from its market price. There are two main types of First Commonwealth's stock analysis: fundamental analysis and technical analysis.
The First Commonwealth stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and First Commonwealth's ongoing operational relationships across important fundamental and technical indicators.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Commonwealth Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.

First Stock Analysis Notes

About 76.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.19. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Commonwealth last dividend was issued on the 9th of May 2025. The entity had 2:1 split on the 19th of November 1999. First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania. First Commonwealth operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 1422 people. To learn more about First Commonwealth Financial call Thomas Price at 724 349 7220 or check out https://www.fcbanking.com.

First Commonwealth Quarterly Total Revenue

169.63 Million

First Commonwealth Investment Alerts

First Commonwealth has a poor financial position based on the latest SEC disclosures
Over 76.0% of the company shares are owned by institutional investors
Latest headline from news.google.com: First Commonwealth Financial Corporation Stock Analysis and Forecast - Free Investment Community - jammulinksnews.com

First Commonwealth Upcoming and Recent Events

30th of January 2024
Upcoming Quarterly Report
View
23rd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
30th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

First Largest EPS Surprises

Earnings surprises can significantly impact First Commonwealth's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2011-04-20
2011-03-310.080.07-0.0112 
2017-10-25
2017-09-300.20.220.0210 
2017-07-26
2017-06-300.190.210.0210 
View All Earnings Estimates

First Commonwealth Environmental, Social, and Governance (ESG) Scores

First Commonwealth's ESG score is a quantitative measure that evaluates First Commonwealth's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of First Commonwealth's operations that may have significant financial implications and affect First Commonwealth's stock price as well as guide investors towards more socially responsible investments.

First Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Northern Trust Corp2025-03-31
1.4 M
Morgan Stanley - Brokerage Accounts2025-03-31
1.4 M
Waldron, Lp2025-03-31
1.2 M
First Commonwealth Financial Corp2025-03-31
M
Bank Of New York Mellon Corp2025-03-31
971.3 K
Goldman Sachs Group Inc2025-03-31
831 K
Jpmorgan Chase & Co2025-03-31
760.1 K
Amvescap Plc.2025-03-31
641 K
Principal Financial Group Inc2025-03-31
576.2 K
Blackrock Inc2025-03-31
14.7 M
Vanguard Group Inc2025-03-31
11.6 M
Note, although First Commonwealth's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

First Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 1.71 B.

First Profitablity

The company has Net Profit Margin of 0.31 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.4 %, which entails that for every 100 dollars of revenue, it generated $0.4 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.10  0.09 
Return On Assets 0.01  0.01 
Return On Equity 0.10  0.10 

Management Efficiency

First Commonwealth has Return on Asset of 0.0117 % which means that on every $100 spent on assets, it made $0.0117 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.0991 %, implying that it generated $0.0991 on every 100 dollars invested. First Commonwealth's management efficiency ratios could be used to measure how well First Commonwealth manages its routine affairs as well as how well it operates its assets and liabilities. The current Return On Tangible Assets is estimated to decrease to 0.01. The current Return On Capital Employed is estimated to decrease to 0.09. At this time, First Commonwealth's Total Current Assets are most likely to increase significantly in the upcoming years. The First Commonwealth's current Asset Turnover is estimated to increase to 0.07, while Total Assets are projected to decrease to roughly 6.6 B.
Last ReportedProjected for Next Year
Book Value Per Share 13.79  14.48 
Tangible Book Value Per Share 10.03  5.07 
Enterprise Value Over EBITDA 10.51  9.99 
Price Book Value Ratio 1.23  1.67 
Enterprise Value Multiple 10.51  9.99 
Price Fair Value 1.23  1.67 
Enterprise Value1.7 B1.5 B
First Commonwealth showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.
Dividend Yield
0.0321
Operating Margin
0.3966
Profit Margin
0.307
Forward Dividend Yield
0.033
Beta
0.788

Technical Drivers

As of the 26th of July, First Commonwealth shows the Downside Deviation of 1.34, coefficient of variation of 856.72, and Mean Deviation of 1.14. First Commonwealth technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices. Please confirm First Commonwealth treynor ratio, as well as the relationship between the potential upside and expected short fall to decide if First Commonwealth is priced favorably, providing market reflects its regular price of 16.27 per share. Given that First Commonwealth has jensen alpha of (0.12), we urge you to verify First Commonwealth Financial's prevailing market performance to make sure the company can sustain itself at a future point.

First Commonwealth Price Movement Analysis

Execute Study
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. First Commonwealth middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for First Commonwealth. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

First Commonwealth Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First Commonwealth insiders, such as employees or executives, is commonly permitted as long as it does not rely on First Commonwealth's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First Commonwealth insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

First Commonwealth Outstanding Bonds

First Commonwealth issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First Commonwealth uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First Commonwealth Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

First Commonwealth Predictive Daily Indicators

First Commonwealth intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First Commonwealth stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

First Commonwealth Corporate Filings

F4
2nd of July 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
15th of May 2025
Other Reports
ViewVerify
F4
14th of May 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10Q
12th of May 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
8K
1st of May 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
29th of April 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
19th of March 2025
Other Reports
ViewVerify
8K
18th of March 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

First Commonwealth Forecast Models

First Commonwealth's time-series forecasting models are one of many First Commonwealth's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary First Commonwealth's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About First Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how First Commonwealth prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling First shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as First Commonwealth. By using and applying First Stock analysis, traders can create a robust methodology for identifying First entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.25  0.17 
Operating Profit Margin 0.25  0.17 
Net Profit Margin 0.20  0.13 
Gross Profit Margin 0.64  0.54 

Current First Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. First analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. First analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
18.0Buy6Odds
First Commonwealth Financial current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of First Commonwealth, talking to its executives and customers, or listening to First conference calls.
First Analyst Advice Details

First Stock Analysis Indicators

First Commonwealth Financial stock analysis indicators help investors evaluate how First Commonwealth stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading First Commonwealth shares will generate the highest return on investment. By understating and applying First Commonwealth stock analysis, traders can identify First Commonwealth position entry and exit signals to maximize returns.
Begin Period Cash Flow147 M
Total Stockholder Equity1.4 B
Capital Lease Obligations4.3 M
Property Plant And Equipment Net116.1 M
Cash And Short Term Investments1.3 B
Cash133.4 M
50 Day M A16.1622
Net Interest Income376.8 M
Total Current Liabilities9.8 B
Forward Price Earnings11.2867
Investments-121.7 M
Interest Expense221.6 M
Long Term Debt258.7 M
Common Stock Shares Outstanding102.2 M
Total Cashflows From Investing Activities-121.7 M
Tax Provision35.6 M
Quarterly Earnings Growth Y O Y-0.131
Free Cash Flow113.9 M
Net Debt209.7 M
Other Operating Expenses521.5 M
Non Current Assets Total10.3 B
Liabilities And Stockholders Equity11.6 B
Non Currrent Assets Other451 M

Complementary Tools for First Stock analysis

When running First Commonwealth's price analysis, check to measure First Commonwealth's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Commonwealth is operating at the current time. Most of First Commonwealth's value examination focuses on studying past and present price action to predict the probability of First Commonwealth's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Commonwealth's price. Additionally, you may evaluate how the addition of First Commonwealth to your portfolios can decrease your overall portfolio volatility.
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