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First Commonwealth Financial Corp

First Commonwealth Financial Corp

FCF
$21.31USD↑+0.28%+0.06 today

MARKET CAP

2.2B

P/E (TTM)

14.6x

FWD P/E

—

DAY RANGE

$21 – $22

52W RANGE

$15
$22

AI Summary

Stalk
Buy NowMedium

The stock has entered a bullish pivot with price closing above short-term EMAs that crossed above the 50-day SMA, confirming structural repair. EMAs are rising and price is tightly tracking above key moving averages, setting up continuation toward the 52-week high. Neutral momentum and sentiment metrics leave room to run. We recommend a Buy Now stance into the support zone around the 20EMA–50SMA convergence for pullback and continuation participation.

  • ↑Core EPS rose to $0.44 (+18.9% QoQ) with 1.46% ROA
  • ↑Net interest margin expanded to 4.01%, expected to hold low-4%
  • ↓Deposits declined 5.77% annualized, raising liquidity and cost risk
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The case for & against

Bull & Bear analysis

Bearish

First Commonwealth Financial Corporation (NASDAQ: FCF) is a regional financial services provider based in Pennsylvania and Ohio. The company focuses on community banking, commercial lending, and consumer banking services, leveraging its regional knowledge to deliver comprehensive financial solutions. FCF operates amidst the current themes of interest rate sensitivity, evolving consumer behaviors, and technological enhancements in banking, positioning itself to harness growth opportunities through strategic acquisitions and organic growth initiatives.

Bull says

  • ↑Core EPS rose to $0.44 (+18.9% QoQ) with 1.46% ROA
  • ↑Net interest margin expanded to 4.01%, expected to hold low-4%
  • ↑Dividend yield stands at 2.61%; $12M repurchased; TBV $11.58
  • ↑Loan growth of 1.97% annualized led by equipment finance
  • ↑Deploying AI and tech upgrades to boost efficiency and engagement
  • ↑Valuation attractive with high earnings yield, strong book-to-price, low volatility

Bear says

  • ↓Deposits declined 5.77% annualized, raising liquidity and cost risk
  • ↓Growth outlook hampered by negative growth and revision factors
  • ↓13F ownership near zero, signalling lack of institutional interest
  • ↓Non-performing loans and elevated charge-offs heighten credit risk
  • ↓Margin compression risk from competitive deposit pricing
  • ↓Skepticism on sustaining mid-single-digit loan growth amid uncertainty

Investment themes with FCF

High Dividend Yield↓ -0.51%

Companies paying above-average dividends

AVGO · JPM · XOM
Regional Banks↓ -1.16%

FLG · TCBI · ZION

Earnings Call · Q2 2025 · Mgmt. Guidance

Updated 07-31-2026bullish

Transcript signals

Bull points

  • Our earnings performance was driven by an expanding margin and strong fee income
  • The net interest margin, or NIM, expanded 21 basis points to 3.83%
  • New organic loan growth was strong at 8% annualized

Bear points

  • The rest of the NIM expansion was split between assets and liabilities, with nine basis points of the increase coming from assets and five from liabilities
  • Our forward NIM guidance this quarter is based on a revised baseline forecast that now contemplates two Fed cuts by year end, down from three in last quarter's forecast. This reflects expected pressure on loan spreads and the need to price deposits to fund our loan growth
  • The impact of this single credit in the inclusion of center caused non-performing loans to increase by $40.1 million from the prior quarter.
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