First Commonwealth Financial Corp (FCF) stock
FCFNYSENational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 11/3011% above fair value
$20.92−0.09 (-0.43%)
Close on Nov 12, 2026Market cap $2.11BP/E 12.4Yield 2.56%
First Commonwealth Financial statistics
87 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 27, 2027 (estimated, during market hours)
- Last ex-dividend date
- Aug 7, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 11, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.96
- 1.52
- P/OCF Ratio
- 13.42
- 9.79
Enterprise valuationIndustry
- EV / Sales
- 4.12
- 2.94
Share statisticsIndustry
- Shares Change (YoY)
- -1.18%
- 0.35%
- Shares Change (QoQ)
- -4.13%
- 0.00%
- Float
- 99M
- 17M
- Shares Held by Insiders
- 1.77%
- 6.05%
- Shares Held by Institutions
- 79.1%
- 61.3%
Short sellingIndustry
- Short Interest
- 5M
- –
- Short Interest Change
- 20.6%
- -4.13%
- Short % of Float
- 5.24%
- 3.58%
- Short % of Shares Outstanding
- 5.15%
- 3.18%
- Days to Cover
- 6.88
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $22.34
- –
- 52-Week Low
- $15.30
- –
- 20-Day Moving Average
- $20.93
- –
- 50-Day Moving Average
- $20.79
- –
- 200-Day Moving Average
- $19.58
- –
- Average True Range (14)
- $0.47
- –
- Price Change (1 Week)
- -2.32%
- -1.47%
- Price Change (1 Month)
- 5.16%
- 4.46%
- Price Change (3 Months)
- -2.87%
- -3.23%
- Price Change (6 Months)
- 16.3%
- 11.7%
- Price Change (YTD)
- 24.6%
- 19.9%
- Price Change (1 Year)
- 33.4%
- 26.3%
- Price Change (3 Years)
- 67.0%
- 77.4%
- Price Change (5 Years)
- 33.3%
- 26.4%
- Price Change (10 Years)
- 87.3%
- 68.6%
- Average Volume (10 Days)
- 838,619
- –
- Average Volume (20 Days)
- 781,442
- –
- Average Volume (90 Days)
- 858,901
- –
- Relative Volume
- 0.50
- 0.63
- Relative Strength Index (14)
- 52.3
- 53.3
- Volatility (1 Year)
- 19.3%
- 24.4%
- Beta (5 Years)
- 0.70
- 0.63
MarginsIndustry
- Pretax Margin
- 38.0%
- 36.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 11.4%
- 10.8%
- Return on Assets (ROA)
- 1.40%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.19
- 0.21
GrowthIndustry
- Revenue Growth (YoY)
- 9.61%
- 11.8%
- Net Income Growth (YoY)
- 20.0%
- 23.2%
- EPS Growth (YoY)
- 22.5%
- 21.9%
- Revenue Growth (3Y CAGR)
- 8.36%
- 5.82%
- Revenue Growth (5Y CAGR)
- 7.59%
- 6.17%
- EPS Growth (3Y CAGR)
- 2.38%
- 1.31%
- EPS Growth (5Y CAGR)
- 14.4%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $363.97K
- $360.35K
- Profits Per Employee
- $112.98K
- $110.51K
- Employee Count
- 1,522
- 492
- WACC
- 8.85%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $210.62M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- -$161.36M
- $166.15M
- Net Cash Per Share
- -$1.60
- $8.19
- Equity (Book Value)
- $1.48B
- $570.13M
- Book Value Per Share
- $14.69
- $28.22
- Tangible Book Value
- $1.09B
- $478.27M
Cash flow (TTM)Industry
Dividends and yieldsIndustry
- Earnings Yield
- 8.10%
- 8.29%
- Dividend Yield
- 2.55%
- 2.45%
- Buyback Yield
- 6.97%
- 1.79%
- Shareholder Yield
- 9.52%
- 3.21%
- Dividend Per Share
- $0.54
- $0.92
- Dividend Growth (YoY)
- 3.88%
- 4.26%
- Years of Dividend Growth
- 9
- 2
- Payout Ratio
- 32.7%
- 29.0%
Taxes and interestIndustry
- Interest Expense
- $191.84M
- $24.37M
- Income Tax
- $38.66M
- $16.14M
- Effective Tax Rate
- 18.4%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $23.63
- $45.31
- Graham Upside
- 12.5%
- 18.6%
- Altman Z-Score
- 0.30
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $24.35
- –
- Lynch Upside
- 15.9%
- -0.72%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | FCF | S&P 500 | Difference | FCF per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +4.3% | -2.7% | +7.0 pts | ||
| 3 months | -3.2% | -1.7% | −1.5 pts | ||
| Year to date | +26.7% | +11.9% | +14.9 pts | ||
| 1 year | +34.4% | +12.0% | +22.4 pts | ||
| 3 years | +84.1% | +78.2% | +5.9 pts | +22.6% | +21.2% |
| 5 years | +55.5% | +73.2% | −17.8 pts | +9.2% | +11.6% |
| 10 years | +155.6% | +309.6% | −154.0 pts | +9.8% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
5M FCF shares were sold short on Oct 30, 2026, up 20.6% from the previous report, or 5.24% of the shares available to trade. At recent volumes it would take 6.9 days to buy them back. Over the last 20 sessions, 64.4% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 5,204,386 | +20.6% | 756,271 | 6.9 |
| Oct 15, 2026 | 4,314,044 | -8.1% | 992,048 | 4.3 |
| Sep 30, 2026 | 4,693,402 | +21.1% | 1,187,368 | 4.0 |
| Sep 15, 2026 | 3,874,658 | +18.8% | 855,164 | 4.5 |
| Aug 31, 2026 | 3,262,351 | +7.9% | 554,776 | 5.9 |
| Aug 14, 2026 | 3,023,137 | -2.3% | 827,869 | 3.6 |
| Jul 31, 2026 | 3,092,874 | -3.6% | 992,096 | 3.1 |
| Jul 15, 2026 | 3,207,160 | +13.1% | 584,383 | 5.5 |
| Jun 30, 2026 | 2,834,517 | +10.9% | 895,917 | 3.2 |
| Jun 15, 2026 | 2,556,199 | -0.5% | 724,976 | 3.5 |
| May 29, 2026 | 2,569,657 | +4.3% | 674,930 | 3.8 |
| May 15, 2026 | 2,464,814 | +0.7% | 615,966 | 4.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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