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First Commonwealth Financial

NYQ:FCF · US3198291078
BanksSmall

360

58
Profit price58
Cash yield75
Price/Sales23
EV / Gross Profit67
Price/Book46
Returns on capital65
Profit margins—
Cash Conversion65
Accruals83
Owner Earnings Margin56
Sales growth33
Profit Growth61
Owner Earnings Growth73
Reinvestment58
Price momentum43
Debt load54
Debt serviceability26
Liquidity61
Analyst ratings33
Opinion Changes50
Price Target Upside57
Market mood87
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First Commonwealth Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Founded1982
Websitefcbanking.com
ISINUS3198291078
Last UpdateApr 2, 2026
Indices
Sound Pay Practices (USA)
Themes
Banking

Description

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company’s operating subsidiaries include First Commonwealth Bank (FCB or the bank…

Analysis

Quality compounder

First Commonwealth Financial Corporation is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 12.9× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
65
2023202420252026

All-time high

80

Jan 2024

All-time low

27

Jan 2023

Average rank

54

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
23
45
45
41
Price/Earnings
52
55
72
38
Price/Book
46
43
23
25
Dividend Yield
75
65
45
71
Value (overall)
51
59
39
35

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →