First

Valuation Analysis

About the Company

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, bus

First Stock at a Glance

First (FCF) is currently trading at $19.91 with a market capitalization of $2B. The trailing P/E ratio stands at 13.1x, with a forward P/E of 10.14x. The 52-week range spans from $15.00 to $19.94; the current price is 0.2% below the yearly high. Year-over-year revenue growth stands at +9.1%. The net profit margin stands at 31.7%.

💰 Dividend

First pays an annual dividend of $0.56 per share, representing a yield of 2.81%. The payout ratio stands at 35.53%.

📊 Analyst Rating

6 analysts rate First (FCF) on consensus: None. The average price target is $20.83, implying +4.64% from the current price. Analyst price targets range from $20.00 to $21.00.

First: The Investment Case in Detail

First (FCF) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

The PEG ratio at 1.46 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric.

What to Watch Next

• The forward P/E of 10.14x is meaningfully below the trailing 13.1x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 99.4% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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