First Commonwealth Financial Corporation Common Stock (FCF)

FairStock Score: 63/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a long-time student of banks, I look first at profitability and price to book. First Commonwealth is a $2.0B-market-cap regional bank trading at $19.98 at the 2026-10-13 close, or 12.26 times earnings and 1.28 times book on FairStock's calculations. A 10.91% return on equity is respectable, not extraordinary; banks earning only modest returns rarely deserve a rich premium to book. The 2.80% dividend yield and 0.75 beta suggest a steadier, less volatile institution. Filed results show progress: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $44.6M and diluted EPS was $0.44, versus $33.4M and $0.32 in fiscal Q2 2025. Still, the longer record is lumpy: FY2023 net income was $157.1M, FY2024 was $142.6M, and FY2025 was $152.3M. FairStock's Lynch category calls it a stalwart, citing 15.7% annual profit growth over five years, and the calculated PEG of 0.49 looks undemanding. But banks are leveraged, and the data lacks CET1, net interest margin, efficiency ratio, charge-offs, nonperforming assets, and reserve coverage; a combined ratio is not applicable. Piotroski 5/9 is neutral. The 63/100 FairStock score fits: decent value, unproven quality. I would want consistent returns and credit discipline before calling it a bargain.

In plain English: First Commonwealth Financial is a regional bank that takes deposits and makes consumer and business loans. It has been profitable, and the latest quarter was better than the same quarter a year earlier, but the past few years of earnings have been uneven. At $19.98, the price looks modest compared with its profits and net worth, though bank lending risks and some key safety details are not in the data.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer