First Commonwealth Financial (FCF)
Provides deposit-funded consumer and commercial banking across Pennsylvania and Ohio.
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Provides consumer and commercial banking across western and central Pennsylvania and Ohio, funded primarily by customer deposits. Revenue comes mainly from loan and securities interest after funding costs, with additional fees from wealth, trust, insurance, brokerage and mortgage services.
Operates First Commonwealth Bank as a single community-banking segment serving western and central Pennsylvania and Ohio. Consumer and business deposits fund commercial real estate, commercial and industrial, equipment-finance, SBA, residential mortgage, home-equity, indirect-auto and other consumer loans. Trust and wealth management, insurance, brokerage and mortgage sales add fee income.
Combines a community-branch network with commercial business centers, while the CenterBank acquisition deepened its Cincinnati presence. Net interest income is the primary revenue source, making deposit pricing, lending volumes, credit performance and interest rates central to results. The bank and its holding company are subject to extensive federal and state regulation, and customer deposits remain the primary funding source.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 31, 2026 | Raymond James | Reiterate | Rating: —Target: $20 | Target: $24 |
| Jul 30, 2026 | Piper Sandler | Reiterate | Rating: —Target: $21 | Target: $25 |
| Jul 20, 2026 | Goldman Sachs | Initiate | Rating: —Target: — | Target: $48 |
| Jun 5, 2026 | Bernstein | Target | Target: — | Target: $29 |
| Jan 7, 2026 | Raymond James | Upgrade | Target: $16 | Target: $20 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $1.78B · Total debt $263.0M · Total assets $12.21B · Shareholders' equity $1.57B
- Revenue
- $67.0M
- Operating income
- −$45.6M
- Net income
- $44.6M
HistoryDividendAnnual yield
| Institutions | 79.87% | 81.22M shares | |
|---|---|---|---|
| 267 holders · as of Jun 30, 2026 | |||
| Insiders | 1.73% | 1.76M shares | |
| 23 holders · as of Sep 14, 2026 | |||
| Other | 18.40% | 18.70M shares | |
| remainder | |||
101.68M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.61% | 14.86M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 6.33% | 6.43M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 6.18% | 6.29M | as of Jun 30, 2026 |
State Street CorpInstitution | 5.17% | 5.26M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.31% | 4.38M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 4, 2026 | James R. Reske | officer: EVP/Chief Financial Officer | −2,072 | $21.25 |
| Aug 10, 2026 | Lee E. II Lyon | officer: EVP / Chief Audit Executive | −25,000 | $21.46 |
| Aug 6, 2026 | Jane Grebenc | director | −15,000 | $21.70 |
| Aug 5, 2026 | James R. Reske | officer: EVP/Chief Financial Officer | −2,072 | $21.85 |
| Jul 6, 2026 | James R. Reske | officer: EVP/Chief Financial Officer | −2,072 | $20.50 |
- F.N.B.
Pittsburgh regional banking overlap across PA/OH
- S&T Bancorp
Close PA/OH bank peer across deposits, loans, mortgage, and wealth
- Northwest Bancshares
Direct PA/OH branch-banking peer with mortgage and wealth overlap
- WesBanco
PA/OH banking peer with wealth, brokerage and insurance overlap
- Farmers National Banc
Ohio/PA community-bank peer across banking, wealth, and insurance
- CNB Financial
Pennsylvania/Ohio community-banking peer with ERIEBANK and FCBank
- Huntington Bancshares
Ohio scale bank across deposits, lending, mortgage, and wealth
- PNC Financial Services Group
Scale banking rival in Pittsburgh retail, commercial, and wealth markets
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Commonwealth Financial | $20.75 | +0.02% | $2.14B | 12.9 | 11.1 | 3.4 | +6.5% |
| F.N.B. | $17.79 | +0.91% | $6.38B | 10.7 | 9.9 | 2.4 | +5.6% |
| S&T Bancorp | $49.25 | 0.00% | $1.75B | 13.3 | 12.4 | 3.1 | +5.2% |
| Northwest Bancshares | $15.21 | −0.03% | $2.24B | 14.8 | 10.8 | 2.7 | +21.2% |
| WesBanco | $38.49 | 0.00% | $3.75B | 11.0 | 10.6 | 2.5 | +6.3% |
| Farmers National Banc | $15.32 | +0.07% | $681.0M | 10.6 | 9.0 | 2.4 | +49.8% |
| CNB Financial | $33.72 | −0.12% | $1.01B | 11.0 | 9.5 | 2.1 | +55.7% |
| Huntington Bancshares | $15.68 | −0.04% | $32.41B | 12.0 | 9.2 | 2.2 | +47.4% |
| PNC Financial Services Group | $227.96 | +0.00% | $93.07B | 12.8 | 11.2 | 2.6 | +21.4% |
| Median | 11.5 | 10.2 | 2.4 | +21.3% |