First Commonwealth Financial Corporation authorized a new $25.0 million share repurchase program after completing a previous $25.0 million program in Q4 2025, repurchasing 1,560,477 shares at an average price of $16.02.
First Commonwealth Financial Corporation (FCF)
Common Stock · Currency in USD · XNYS
First Commonwealth Financial Corp functions in the financial services sector in the United States. Through its subsidiary, it offers a range of consumer and commercial banking services such as personal checking accounts, interest-earning checking accounts, savings accounts, insured money market accounts, investment certificates, fixed & variable rate certificates of deposit, and various kinds of loans. It also provides trust and wealth management services and offers insurance products. The company earns the majority of its revenue through net interest income.
Company Info
SIC6021
Composite FIGIBBG000CND7W0
CIK0000712537
IPOJun 10, 1992
Sectornational commercial banks
Highlights
Market Cap$1.83B
EPS$1.60
P/E Ratio11.05
Revenue$643.27M
Gross Profit$650.84M
Net Income$165.31M
Employees1,577
WSO102,206,146
Phone(724) 349-7220
Websitehttps://www.fcbanking.com
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Analysis
Share Price Chart
Performance Chart
The chart shows the growth of an initial investment of $10,000 in First Commonwealth Financial Corporation, comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
Returns By Period
First Commonwealth Financial Corporation (FCF) has returned 6.43% so far this year and 30.32% over the past 12 months. Looking at the last ten years, FCF has achieved an annualized return of 7.35%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
FCF
1M1.42%
6M5.36%
YTD6.43%
1Y30.32%
5Y4.22%
10Y7.35%
Benchmark (SPY)
1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%
Monthly Returns
The table below presents the monthly returns of First Commonwealth Financial Corporation (FCF) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 7.32% | -2.61% | 1.74% | 1.36% | ||||||||
| 2025 | -2.28% | 1.11% | -5.53% | -0.58% | 2.36% | 4.57% | 2.10% | 8.56% | -2.46% | -9.31% | 6.77% | 4.07% |
| 2024 | -8.25% | -6.86% | 7.57% | -5.58% | 1.20% | 1.17% | 30.73% | -4.81% | 0.47% | -3.58% | 13.71% | -10.81% |
| 2023 | 4.85% | 9.81% | -21.92% | 0.40% | 1.93% | -0.86% | 14.60% | -9.49% | -7.43% | -0.16% | 10.40% | 16.35% |
| 2022 | 2.03% | -2.53% | -5.37% | -11.78% | 3.32% | -3.94% | 10.51% | -9.65% | -4.89% | 10.65% | 2.08% | -5.54% |
| 2021 | 6.64% | 13.84% | 4.89% | 1.47% | 2.71% | -7.74% | -7.12% | 2.42% | 0.66% | 11.60% | -2.18% | 4.21% |
| 2020 | -7.33% | -13.36% | -22.54% | 9.68% | -7.67% | 0.61% | -4.95% | 3.93% | -4.68% | 12.39% | 10.39% | 10.39% |
| 2019 | 14.29% | 3.46% | -10.83% | 7.17% | -7.57% | 7.50% | 1.70% | -9.58% | 8.41% | 5.07% | -0.07% | 1.40% |
| 2018 | 0.70% | -2.72% | 1.36% | 7.45% | 3.50% | -2.08% | 9.47% | -1.00% | -3.58% | -17.03% | 5.37% | -14.33% |
| 2017 | -1.40% | -1.83% | -6.88% | -2.64% | -5.10% | 2.76% | 2.12% | -3.59% | 12.14% | 2.97% | 2.93% | -4.72% |
| 2016 | 4.68% | 1.84% | -1.29% | 5.70% | 5.80% | -1.46% | 0.79% | 23.36% | 11.65% |
Performance Indicators
The charts below present risk-adjusted performance metrics for First Commonwealth Financial Corporation (FCF) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
Sharpe ratio
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of FCF compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
Volatility Chart
The current First Commonwealth Financial Corporation volatility is 1.02%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
Income Statement
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 12.34B | 11.46B | 9.81B | 9.55B | 9.07B | 8.31B | 7.83B | 7.31B | 6.68B | 6.57B | 6.36B | 6.21B | 6.00B | 5.84B |
| Equity Attributable To Parent (USD) | 1.55B | 1.31B | 1.05B | 1.11B | 1.07B | 1.06B | 975.39M | 888.13M | 749.93M | 719.55M | 716.15M | 711.70M | 746.01M | 758.54M |
| Equity Attributable To Noncontrolling Interest (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity (USD) | 1.55B | 1.31B | 1.05B | 1.11B | 1.07B | 1.06B | 975.39M | 888.13M | 749.93M | 719.55M | 716.15M | 711.70M | 746.01M | 758.54M |
| Long-term Debt (USD) | - | - | - | 182.27M | 233.26M | 234.18M | 185.06M | 87.92M | 80.92M | 81.48M | 161.63M | 216.55M | 280.22M | 207.41M |
| Noncurrent Liabilities (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Liabilities (USD) | 10.79B | 10.15B | 8.75B | 8.44B | 8.00B | 7.25B | 6.85B | 6.42B | 5.93B | 5.85B | 5.64B | 5.50B | 5.25B | 5.08B |
| Liabilities (USD) | 10.79B | 10.15B | 8.75B | 8.44B | 8.00B | 7.25B | 6.85B | 6.42B | 5.93B | 5.85B | 5.64B | 5.50B | 5.25B | 5.08B |
| Intangible Assets (USD) | 22.02M | 22.82M | 9.21M | 11.19M | 13.49M | 16.37M | 13.04M | 15.01M | 12.01M | 1.23M | 1.67M | 1.31M | 2.38M | 3.84M |
| Fixed Assets (USD) | 114.28M | 121.02M | 115.11M | 120.78M | 125.52M | 137.27M | 80.47M | 81.34M | 67.53M | 63.45M | 64.99M | 67.94M | 68.97M | 66.76M |
| Noncurrent Assets (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Assets (USD) | 12.34B | 11.46B | 9.81B | 9.55B | 9.07B | 8.31B | 7.83B | 7.31B | 6.68B | 6.57B | 6.36B | 6.21B | 6.00B | 5.84B |
| Assets (USD) | 12.34B | 11.46B | 9.81B | 9.55B | 9.07B | 8.31B | 7.83B | 7.31B | 6.68B | 6.57B | 6.36B | 6.21B | 6.00B | 5.84B |
News and Insights
First Commonwealth Bank, a subsidiary of First Commonwealth Financial Corporation, has completed the acquisition of CenterBank in Cincinnati, Ohio. The transaction significantly increases First Commonwealth's presence in the Cincinnati market and aligns with its commercially focused growth strategy.
First Commonwealth Financial Corporation has completed its acquisition of CenterGroup Financial, Inc., the parent company of CenterBank. The merger will expand First Commonwealth's presence in the Cincinnati market and provide CenterBank customers with access to additional products and services.
First Commonwealth Financial Corporation has received regulatory approval to merge with CenterGroup Financial, Inc. and its subsidiary CenterBank. The merger is expected to be completed in the second quarter of 2025.
First Commonwealth Financial Corporation will host a conference call on October 30, 2024, to discuss its financial results for the third quarter of 2024.
Although the revenue and EPS for First Commonwealth Financial (FCF) give a sense of how its business performed in the quarter ended March 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
INDIANA, Pa., April 23, 2024 (GLOBE NEWSWIRE) -- First Commonwealth Financial Corporation (NYSE: FCF) today announced financial results for the first quarter of 2024.
INDIANA, Pa., April 02, 2024 (GLOBE NEWSWIRE) -- First Commonwealth Financial Corporation (NYSE: FCF) announced today that it will host a conference call on Wednesday, April 24, 2024 at 2:00 p.m. Eastern Time to discuss financial results for the quarter ended March 31, 2024. The call will be hosted by T. Michael Price, President and Chief Executive Officer. He will be joined by James R. Reske, Executive Vice President and Chief Financial Officer, Jane Grebenc, Executive Vice President and Chief Revenue Officer and Brian G. Karrip, Executive Vice President and Chief Credit Officer. First Commonwealth will issue a press release reporting its First Quarter 2024 financial results before the market opens on Tuesday, April 23, 2024.
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The headline numbers for First Commonwealth Financial (FCF) give insight into how the company performed in the quarter ended December 2023, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.