First Commonwealth Financial Stock Today

FCF Stock  USD 15.75  0.27  1.74%   

Performance

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Odds Of Distress

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First Commonwealth is trading at 15.75 as of the 9th of November 2025. This is a 1.74 percent up since the beginning of the trading day. The stock's lowest day price was 15.44. First Commonwealth has only a 6 % chance of going through financial distress over the next few years, but has generated negative returns over the last 90 days. The performance scores are derived for the period starting the 10th of October 2025 and ending today, the 9th of November 2025. Click here to learn more.
Business Domain
Banks
IPO Date
19th of January 1992
Category
Financial Services
Classification
Financials
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. The company has 104.29 M outstanding shares of which 1.73 M shares are currently shorted by investors with about 2.65 days to cover. More on First Commonwealth Financial

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Follow Valuation Options Odds of Bankruptcy
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First Stock Highlights

ESG Sustainability
Environmental
Governance
Social
CEOThomas Price
Old Names[Dominion Lending Centres Inc, FST CWTH FINL]
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NYSE Composite, SP Small-Cap 600, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.01030.0123
Fairly Down
Slightly volatile
Asset Turnover0.06580.0604
Significantly Up
Very volatile
Gross Profit Margin0.540.6416
Fairly Down
Very volatile
Total Current Liabilities5.5 B9.8 B
Way Down
Slightly volatile
Non Current Liabilities Total302.7 M421.6 M
Way Down
Slightly volatile
Total Assets6.6 B11.6 B
Way Down
Slightly volatile
Total Current Assets1.3 B1.3 B
Sufficiently Up
Slightly volatile
Total Cash From Operating Activities85.2 M129.5 M
Way Down
Slightly volatile
Debt Levels
First Commonwealth can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand First Commonwealth's financial leverage. It provides some insight into what part of First Commonwealth's total assets is financed by creditors.
Liquidity
First Commonwealth Financial has 343.12 M in debt with debt to equity (D/E) ratio of 8.13, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Note however, debt could still be an excellent tool for First to invest in growth at high rates of return.

Change In Working Capital

3.87 Million
First Commonwealth Financial (FCF) is traded on New York Stock Exchange in USA and employs 1,548 people. First Commonwealth is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Mid-Cap' category with a total capitalization of 1.64 B. First Commonwealth runs under Banks sector within Financials industry. The entity has 104.29 M outstanding shares of which 1.73 M shares are currently shorted by investors with about 2.65 days to cover. First Commonwealth Financial has about 180.77 M in cash with 129.46 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 1.94.
Check First Commonwealth Probability Of Bankruptcy
Ownership Allocation
First Commonwealth holds a total of 104.29 Million outstanding shares. The majority of First Commonwealth Financial outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to obtain positions in First Commonwealth to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in First Commonwealth. Please pay attention to any change in the institutional holdings of First Commonwealth Financial as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.
Check First Ownership Details

First Stock Institutional Holders

InstituionRecorded OnShares
Northern Trust Corp2025-06-30
1.4 M
Morgan Stanley - Brokerage Accounts2025-06-30
1.3 M
Waldron, Lp2025-06-30
1.2 M
First Commonwealth Financial Corp2025-06-30
M
Bank Of New York Mellon Corp2025-06-30
970.2 K
Jpmorgan Chase & Co2025-06-30
649.2 K
Amvescap Plc.2025-06-30
565.6 K
Principal Financial Group Inc2025-06-30
518.4 K
Millennium Management Llc2025-06-30
512.8 K
Blackrock Inc2025-06-30
14.9 M
Vanguard Group Inc2025-06-30
11.7 M
View First Commonwealth Diagnostics

First Commonwealth Risk Profiles

Investors will always prefer to have the highest possible return on investment while minimizing volatility. First Commonwealth market risk premium is the additional return an investor will receive from holding First Commonwealth long position in a well-diversified portfolio.

First Stock Against Markets

First Commonwealth Corporate Directors

Johnston GlassIndependent DirectorProfile
Ray CharleyIndependent DirectorProfile
Julie CaponiIndependent DirectorProfile
Aradhna OliphantIndependent DirectorProfile
When determining whether First Commonwealth is a strong investment it is important to analyze First Commonwealth's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact First Commonwealth's future performance. For an informed investment choice regarding First Stock, refer to the following important reports:
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 interest.
You can also try the Risk-Return Analysis module to view associations between returns expected from investment and the risk you assume.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Commonwealth. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Commonwealth listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.258
Dividend Share
0.54
Earnings Share
1.38
Revenue Per Share
4.558
Quarterly Revenue Growth
0.128
The market value of First Commonwealth is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Commonwealth's value that differs from its market value or its book value, called intrinsic value, which is First Commonwealth's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Commonwealth's market value can be influenced by many factors that don't directly affect First Commonwealth's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between First Commonwealth's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Commonwealth is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Commonwealth's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.