FCF
First Commonwealth Financial Corporation
Financial Services · Banks - Regional · NYQ
$19.11
Data: 2026-05-28
✗ ETHICAL FAIL

Unknown MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$1.9B
Total market value of the company
12.35
Reasonably valued
9.56
Based on estimated future earnings — lower means cheaper
Rev Growth
+9.1%
Year-over-year revenue change
Profit Margin
31.7%
How much profit the company keeps from each dollar of revenue
10.5%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$21.00
+10% from current price — median analyst estimate
Recommendation
BUY
Consensus view from 6 analysts covering this stock
About First Commonwealth Financial Corporation

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company's consumer services include internet, mobile, and telephone banking; an automated teller machine network; personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.

https://www.fcbanking.com

Country: United States Employees: 1,592 Industry: Banks - Regional
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0% N/A
Debt must be below 33% of total assets
Cash Ratio
0.0% N/A
Interest-bearing cash below 33% of assets
Receivables
0.0% N/A
Receivables below 49% of assets
Revenue Purity
0.0% N/A
Non-compliant revenue below 5% — any excess requires purification
Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

ACCUMULATION
Smart money appears to be building positions quietly
0.896
Good returns relative to risk taken
0.0588
Suggested allocation is meaningful — the edge justifies a position
0.883
Acceptable balance between returns and drawdown risk
Annual Return
23.8%
Historical annualised return based on price data
-26.9%
Largest peak-to-trough decline — the worst it has been
SIDEWAYS
Price consolidating — no clear directional bias
Days in State
1
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

0.74
Less volatile than the market — more defensive
52W High
$19.14
0% below the year high
52W Low
$15.00
27% above the year low
Avg Volume
873,319
Average daily shares traded — higher means easier to buy and sell
3.6
Days it would take all short sellers to cover — higher means more crowded
Short % Float
3.4%
Low short interest — limited bearish positioning
298.0%
Annual dividend as a percentage of the share price
$1.52
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Quick Ratio
N/A
Like current ratio but excludes inventory — stricter test
Gross Margin
0.0%
Revenue left after cost of goods — higher means pricing power
Operating Margin
41.8%
Profit from core operations before interest and tax
N/A
Negative — the business is spending more than it generates
Revenue (TTM)
$496M
Total revenue over the last 12 months
Net Income
$157M
Profitable — the bottom line is positive
Analyst Coverage
Analysts
6
Target High
$21.00
Target Median
$21.00
Target Low
$20.00
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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