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First Commonwealth Financial

FCF

First Commonwealth Financial Corporation is a financial holding company that provides a diversified range of consumer and commercial banking, trust, and wealth management services.

Market cap
$2.2B+26.6%
Revenue$546.9M+11.5%
Net income$168.3M+25.6%
EPS (diluted)$1.63+25.4%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$141.4M
EPS estimate$0.45

Financials

Q2 2026

Income statement

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Revenue$139.4M+6.5%
Net income$44.6M+33.5%
EPS (diluted)$0.44+37.5%

Balance sheet

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Cash & equivalents$110.3M-31.1%
Total debt$263.0M-51.0%
Total equity$1.6B+3.4%
Total assets$12.2B-0.2%

Valuation & ratios

Valuation

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Market cap$2.18B+26.6%
Enterprise value$2.33B+11.1%
P/E12.9×+0.1×
P/S+0.5×

Profitability

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Net margin30.8%+3.5pp

Returns & leverage

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Return on equity10.9%+1.6pp
Debt / equity0.2×-0.2×

Competitors

Profile

First Commonwealth Financial Corporation is a financial holding company that provides a diversified range of consumer and commercial banking, trust, and wealth management services. The company operates primarily through its subsidiary bank, serving communities across Pennsylvania and Ohio with a focus on relationship-based lending and deposit gathering. Its core value proposition centers on delivering community-focused financial solutions alongside insurance products and equipment leasing services.

Competitive position

A significant regional player in Western/Central Pennsylvania and Ohio, utilizing a strategy of disciplined M&A and organic growth to compete with both national banks and local credit unions.

GeographiesPennsylvania, Ohio, Maryland, New York
Customer segmentsRetail, SME, Commercial
Business modelInterest Spread, Asset Management Fees, Commission-based Insurance
SuppliersFederal Reserve System, FDIC, Technology and Core Banking Providers, Licensed Appraisers
CustomersHomeowners, Small Business Owners, Real Estate Developers, Automobile Buyers
Listed1992
Employees1.5K
CEOThomas Michael Price
FilingsSEC EDGAR

FAQ

What is First Commonwealth Financial's market cap?
First Commonwealth Financial (FCF) has a market capitalization of $2.2B and trades on NYSE.
What is First Commonwealth Financial's revenue and profitability?
First Commonwealth Financial generated $546.9M in trailing twelve-month revenue with net income of $168.3M, representing a net margin of 30.8%. These figures are based on the Q2 2026 filing.
Who are First Commonwealth Financial's competitors?
First Commonwealth Financial's key competitors include PNC Financial Services Group, Huntington Bancshares, F.N.B. Corporation, and others. These companies compete in similar markets and product categories.
Who does First Commonwealth Financial partner with?
First Commonwealth Financial's notable partners include MasterCard, NYCE, Allpoint, and others.
What subsidiaries does First Commonwealth Financial have?
First Commonwealth Financial's subsidiaries include First Commonwealth Bank, First Commonwealth Insurance Agency, Inc., Centric Bank, and others.
Where is First Commonwealth Financial headquartered?
First Commonwealth Financial is headquartered in United States of America and employs approximately 1,465 people. It has been publicly traded since 1992.