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Western Pennsylvania regional bank offering commercial, retail, wealth and insurance banking services.
Western Pennsylvania regional bank offering commercial, retail, wealth and insurance banking services.
Earns mainly the spread between loan interest and deposit costs, with fee income from wealth management, insurance and service charges as a smaller share. Pennsylvania supplies most deposits, and it has extended into Ohio through acquisitions.
Moat: narrow (scale, distribution). Long-standing Western Pennsylvania branch network built through community-bank mergers.
Headquarters: Indiana, Pennsylvania, US · Founded: 1934 · Employees: 1,522
Size First Commonwealth Financial (FCF) is a United States Financials company (Regional Banks) with a market value of $2.03B, the 1779th largest of 3,117 United States companies the cockpit tracks. Shares closed at $20.91 on 6 Nov 2026.
Performance Over six months the shares gained 12.7%, against +3.6% for the median peer and -1.1% for the United States market (cap-weighted) — 6th highest of 21 in its peer set.
Growth Revenue grew 3.8% over the last twelve months (peer median +0.8%); the operating margin is 38.8% (peer median 37.9%).
Valuation It trades at 1.37× book value against a peer median of 1.05× (8th most expensive of 21).
Price implies The share price implies a return on equity of about 10.4%; First Commonwealth Financial delivers 11.4%, so the price asks less than the business earns today.
Short interest Short interest is 4.3% of the free float (15 Oct 2026).
Next results Next results expected around 26 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $744M | $730M | $699M | $626M | $429M |
| Revenue growth | — | +4% | +12% | +46% | — |
| Net income | $172M | $152M | $143M | $157M | $128M |
| Free cash flow | n/a | $171M | $114M | $129M | $137M |
| Capital expenditure | n/a | $16.1M | $15.5M | $22.0M | $11.2M |
| Total debt | $289M | $452M | $388M | $834M | $599M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| First Commonwealth Financial FCF | $2.03B | +13% | +4% | 11% | 1.37× | 10.4% |
| S&T Bancorp STBA | $1.79B | +14% | +2% | 10% | 1.27× | 10.8% |
| WesBanco WSBC | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% |
| Northwest Bancshares NWBI | $2.23B | +10% | +13% | 11% | 1.18× | 9.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | FCF | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +4.2% | +2.4% | 6th highest of 21 |
| 6-month return | +12.7% | +3.6% | 6th highest of 21 |
| Return on equity | 11.4% | 9.8% | 8th highest of 21 |
| Price / book | 1.37× | 1.05× | 8th most expensive of 21 |
| Trailing P/E | 12.4× | 11.5× | 8th most expensive of 21 |
| ROE the price implies | 10.4% | 9.6% | 10th most demanding of 21 |
| ROE delivered | 11.4% | 10.0% | 8th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| First Commonwealth Financial FCF | United States | $2.03B | +13% | +4% | 11% | 1.37× | 10.4% | 11.4% |
| Bank of Zhengzhou 002936.SZ | China | $2.01B | -3% | +1% | 3% | 0.34× | 2.6% | n/a |
| Hilltop HTH | United States | $2.07B | -4% | -2% | 7% | 0.98× | 9.1% | 6.6% |
| Bancorp TBBK | United States | $1.97B | -15% | -7% | 33% | 2.96× | 26.3% | 33.0% |
| 1st Source SRCE | United States | $2.09B | +18% | +4% | 14% | 1.59× | 10.5% | 13.9% |
| San-in Godo Bank 8381.T | Japan | $1.95B | +5% | +27% | 8% | 0.91× | 5.9% | 8.1% |
| Wuxi Rural Commercial Bank 600908.SS | China | $1.94B | +3% | -5% | 10% | 0.54× | 2.8% | 10.1% |
| Western Union WU | United States | $2.15B | -24% | -2% | 44% | 2.35× | 14.3% | 44.0% |
| Bank of N.T. Butterfield & Son Limited (The) NTB | United States | $2.15B | -3% | 0% | 21% | 1.94× | 12.0% | 21.1% |
| German American Bancorp GABC | United States | $1.88B | +15% | +12% | 13% | 1.63× | 11.0% | 12.8% |
| Enterprise Financial Services EFSC | United States | $2.21B | +4% | +2% | 10% | 1.20× | 10.2% | 9.6% |
| Dime Commercial Bancshares DCOM | United States | $1.85B | +13% | +14% | 9% | 1.39× | 12.4% | 9.4% |
| Kiyo Bank 8370.T | Japan | $1.83B | +39% | +20% | 9% | 1.13× | 8.6% | 9.4% |
| Bank of Lanzhou 001227.SZ | China | $1.82B | -4% | 0% | 6% | 0.38× | 2.5% | 5.5% |
| Paragon Banking PAG.L | United Kingdom | $1.81B | +5% | -7% | 12% | 0.95× | 14.0% | 12.0% |
| Dah Sing Financial 0440.HK | Hong Kong | $1.81B | +4% | -8% | 6% | 0.36× | 4.7% | 5.6% |
| S&T Bancorp STBA | United States | $1.79B | +14% | +2% | 10% | 1.27× | 10.8% | 10.0% |
| Juroku Financial Group,Inc 7380.T | Japan | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% | 6.1% |
| City Union Bank CUB.NS | India | $2.31B | +8% | +22% | 14% | 1.94× | 29.8% | 14.1% |
| Jiangsu Jiangyin Rural Commercial Bank 002807.SZ | China | $1.77B | +5% | -3% | 10% | 0.57× | 2.9% | 10.5% |
| Bank of Guizhou 6199.HK | Hong Kong | $1.77B | -4% | -2% | 8% | 0.24× | 3.6% | 8.0% |