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FCF

BUYFLAG

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

77
StockRank
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Q
58
V
41
M
72
P/E (TTM)
13.9x
ROE
10.5%
D/E
0.2x
Dividend %
2.6%
Dir. Trades · 180d
+$18.6K · −$1.7M →
Buybacks · 180d
$59.3M →
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)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue410.9M482.3M478.1M522.9M8.4%495.7M556.5M592.4M6.4%
EPS1.371.541.401.482.6%1.501.671.9013.3%
Shares93.4M102.1M101.8M102.8M+10.1%101.7M———
Debt466.2M749.8M318.0M386.7M-6.0%210.0M———
Equity1.1B1.3B1.4B1.6B13.9%————
Op CF151.4M150.8M129.5M187.5M7.4%218.5M———
Inv CF-588.8M-574.3M-121.7M-388.2M—————
Fin CF196.2M416.3M-21.3M247.6M—————
Loading 1Y...
PRICE (1Y)+4.8%
19.3919.8820.3620.8521.34Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$20.87
RSI (14)
62.1
52W High
$21.41
From 52W High
1.0%

SCORE BREAKDOWN

Quality
58
ROIC (ROA)
1.3%*45.8
ROE
10.5%54.9
GP/Assets
4.0%N/A
Op. Margin
41.8%61.7
FCF/Assets
1.6%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.25xN/A
Current Ratio
bankN/A
Value
41
P/E (TTM)
13.9x45.8
EV/EBITDA
bankN/A
P/FCF
10.5xN/A
P/B
1.4x40.1
P/S
4.3x44.2
Div Yield
2.6%31.7
Momentum
72
52W High %
97%78.6
RS 6M
13%80.6
SMA 50/200
1.11x79.4
EPS Rev 4W
+0.1%78.3
EPS Rev 12W
+0.1%58.0
EPS Improve
+31%59.9
Q Growth
15%49.2

FUNDAMENTALS

Market Cap
$2.1B
P/E (Forward)
10.6x
Gross Margin
—

SECTOR PEERS

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

TickerCompanyMkt CapStockRankSignal
FCFFirst Commonwealth Financial Corporation(you)$2.1B77BUY
NWBINorthwest Bancshares, Inc.$2.3B75BUY
BANRBanner Corporation$2.4B76BUY
RBCAARepublic Bancorp, Inc.$1.8B76BUY
GABCGerman American Bancorp, Inc.$1.8B79BUY
BUSEFirst Busey Corporation$2.5B76BUY
CUBICustomers Bancorp, Inc.$2.6B78BUY
STBAS&T Bancorp, Inc.$1.9B74BUY
CHCOCity Holding Company$2.0B72BUY
SRCE1st Source Corporation$2.1B85STRONG BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

First Commonwealth Financial Corporation (FCF) — Stock Score Summary

First Commonwealth Financial Corporation (FCF) has a MoatMap StockRank of 77/100 based on Quality (58/100), Value (41/100), and Momentum (72/100) 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.

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.

Key Financial Metrics

Price$20.87
Market Cap$2.1B
P/E (TTM)13.93
P/E (Forward)10.64
Price/Book1.36
Return on Equity10.5%
Debt/Equity0.25x
Operating Margin41.8%
Revenue Growth9.1%
Dividend Yield2.6%
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 77/100, with a Buy signal. It is a composite of Quality (58), Value (41), and Momentum (72) factor ranks across MoatMap’s 20,000+ stock universe.
Does First Commonwealth Financial Corporation have an economic moat?
First Commonwealth Financial Corporation (FCF) has a Quality factor score of 58/100. 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 77/100. 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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