What is First Commonwealth Financial Corporation's (FCF) StockRank?

MoatMap's StockRank for First Commonwealth Financial Corporation (FCF) is 72/100, with a Buy signal. This is a composite score combining Quality (60), Value (43), and Momentum (64) factor ranks across MoatMap's universe of 25,000+ stocks.

Does First Commonwealth Financial Corporation have an economic moat?

First Commonwealth Financial Corporation (FCF) has a Quality factor score of 60/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is First Commonwealth Financial Corporation a buy, hold, or sell?

MoatMap's current signal for First Commonwealth Financial Corporation (FCF) is Buy, based on a StockRank of 72/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is First Commonwealth Financial Corporation in?

First Commonwealth Financial Corporation (FCF) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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FCF

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First Commonwealth Financial Corporation · Financial Services · United States · $2.1B · Avg Vol: $16M/d

StockRank

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P/E (TTM)

13.0x

ROE

10.9%

D/E

0.2x

Dividend %

2.6%

AI CONVICTION THESIS

First Commonwealth Financial has strong momentum at M73 with a buyback on file, but value at V43 is below the calibrated floor and quality Q58 is modest, and insiders were net sellers, so stage one fails.

COMPANY DESCRIPTION

First Commonwealth Financial Corporation is a regional bank holding company offering a comprehensive range of retail and commercial banking services, wealth management, and insurance solutions across Pennsylvania and Ohio. The company benefits from its deep community ties, a diversified loan portfolio, and an extensive branch network that fosters strong customer relationships. This regional embeddedness provides a stable deposit base and opportunity for organic and acquisitive growth.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	410.9M	482.3M	478.1M	522.9M	8.4%	507.1M	557.0M	589.6M	6.2%
EPS	1.37	1.54	1.40	1.48	2.6%	1.64	1.67	1.90	13.4%
Shares	93.4M	102.1M	101.8M	102.8M	+10.1%	101.1M	—	—	—
Debt	466.2M	749.8M	318.0M	386.7M	-6.0%	319.7M	—	—	—
Equity	1.1B	1.3B	1.4B	1.6B	13.9%	—	—	—	—
Op CF	151.4M	150.8M	129.5M	187.5M	7.4%	191.7M	—	—	—
Inv CF	-588.8M	-574.3M	-121.7M	-388.2M	—	—	—	—	—
Fin CF	196.2M	416.3M	-21.3M	247.6M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-1.6%

SMA 50SMA 200

$21.25

RSI (14)

50.0

52W High

$22.19

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.4%*47.1

ROE

10.9%55.2

GP/Assets

4.1%N/A

Op. Margin

45.4%64.6

FCF/Assets

1.6%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.25xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

13.0x49.4

EV/EBITDA

bankN/A

P/FCF

10.4xN/A

P/B

1.4x41.7

P/S

4.3x41.5

Div Yield

2.6%35.6

Momentum

52W High %

96%77.3

RS 6M

16%80.3

SMA 50/200

1.13x80.8

EPS Rev 4W

0.0%27.7

EPS Rev 12W

+0.2%42.2

EPS Improve

+20%49.5

Q Growth

34%64.0

FUNDAMENTALS

Market Cap

$2.1B

P/E (Forward)

10.9x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FCF are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
FCF	First Commonwealth Financial Corporation(you)	$2.1B	72	Buy
NWBI	Northwest Bancshares, Inc.	$2.2B	73	Buy
SRCE	1st Source Corporation	$2.1B	75	Buy
GABC	German American Bancorp, Inc.	$1.9B	72	Buy
BANR	Banner Corporation	$2.4B	71	Buy
BUSE	First Busey Corporation	$2.5B	73	Buy
BY	Byline Bancorp, Inc.	$1.7B	73	Buy
NBTB	NBT Bancorp Inc.	$2.7B	74	Buy
OBK	Origin Bancorp, Inc.	$1.6B	70	Buy
DCOM	Dime Commercial Bancshares, Inc.	$1.8B	68	Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

First Commonwealth Financial Corporation (FCF): Stock Score Summary

First Commonwealth Financial Corporation (FCF) has a MoatMap StockRank of 72/100 based on Quality (60/100), Value (43/100), and Momentum (64/100) factor scores. The current signal is BUY. First Commonwealth Financial has strong momentum at M73 with a buyback on file, but value at V43 is below the calibrated floor and quality Q58 is modest, and insiders were net sellers, so stage one fails.

Key Financial Metrics

Price	$21.25
Market Cap	$2.1B
P/E (TTM)	13.01
P/E (Forward)	10.85
Price/Book	1.37
Return on Equity	10.9%
Debt/Equity	0.25x
Operating Margin	45.4%
Revenue Growth	9.6%
Dividend Yield	2.6%
Free Cash Flow	$203M

First Commonwealth Financial Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is First Commonwealth Financial Corporation’s (FCF) StockRank?: MoatMap’s StockRank for First Commonwealth Financial Corporation (FCF) is 72/100, with a Buy signal. It is a composite of Quality (60), Value (43), and Momentum (64) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does First Commonwealth Financial Corporation have an economic moat?: First Commonwealth Financial Corporation (FCF) has a Quality factor score of 60/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is First Commonwealth Financial Corporation a buy, hold, or sell?: MoatMap’s current signal for First Commonwealth Financial Corporation (FCF) is Buy, based on a StockRank of 72/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is First Commonwealth Financial Corporation in?: First Commonwealth Financial Corporation (FCF) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).