FCF · First Commonwealth Financial Corp /Pa/
$21.06
-0.26 (-1.22%)
At close · Aug 19
Market Cap
$2.14B
Shares
101.06M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$21.06
Open$21.34
Day$21.02–21.50
52W close$15.29–21.95
Avg vol 30d819K
Short int3.1M · 3.1% float · 3.1d
Short vol64%
Last earningsJul 29, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 10
Up next
Next earnings call
Oct 28, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 10, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+15%
above
Price vs 50-day avg
+2%
above
RSI (14)
47
neutral
MACD trend
Negative
52-week position
87%
near high
Momentum
relative strength
1-month return
+1%
trailing
6-month return
+16%
trailing
YTD return
+25%
this year
Relative strength
+6%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $21 › 200d $18 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +28 funds added
Insider flow
Distributing
Net -$1.1M over 90 days · 100% sells
Short interest
Falling
3.06% of float · ▼ -3.6% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
263 holders — near 3-yr high, broad support
Squeeze score
49
elevated · 0–100
Fundamentals
EPS growth
+6%
Y/Y
Free cash flow
$171.5M
Valuation
P/E 12.9
in line
Buyback
$75.0M
authorized
Balance sheet
$65.1M
net cash
Quant / Vol
risk profile
Volatility
22%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
1.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
the remainder of this year
Net interest margin (NIM)
4% – 4.09%
Fee income
$24M – $25M
the remainder of 2026
Non-interest expense
$74M – $76M
Prior guidance
period ended
· from the Earnings Call filed Jun 30, 2025
Net interest margin
· by the end of the year
3.9% – 3.95%
Net interest income
· for the remainder of 2025
$110M – $115M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+15%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
47
Neutral
MACD trend
Negative
Bearish
52-week position
87%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $21 › 200d $18 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +28 funds added
Insider flow
Distributing
Net -$1.1M over 90 days · 100% sells
Short interest
Falling
3.06% of float · ▼ -3.6% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
263 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $15
Now $21 · 87%
Range high $22
vs 200-day avg +15%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses as a percent of end-of-period loans and leases | 1.35% | Q2 FY2026 | — |
| Allowance for credit losses as a percentage of end-of-period loans | 1.35% | Q2 FY2026 | — |
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| Bank-level Total Capital Ratio | 14% | Q2 FY2026 | — |
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| Community banking offices | 126 | Q2 FY2026 | — |
| Core Earnings per common share (diluted) non-GAAP | $0.44 | Three Months Ended June 30, 2026 | — |
| Core Efficiency Ratio non-GAAP | 53.8% | Six Months Ended June 30, 2026 | — |
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| Core net income non-GAAP | 81.89M | Six Months Ended June 30, 2026 | — |
| Core pre-tax pre-provision net revenue non-GAAP | 122.85M | Six Months Ended June 30, 2026 | — |
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| Core pre-tax pre-provision ROAA non-GAAP | 2.14% | Q2 FY2026 | — |
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| Core Return on Average Assets non-GAAP | 1.35% | Six Months Ended June 30, 2026 | — |
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| Core Return on Average Tangible Common Equity non-GAAP | 14.56% | Six Months Ended June 30, 2026 | — |
| Full time equivalent staff | 1,589 | Q2 FY2026 | — |
| Loan-to-deposit ratio | 92.7% | Q2 FY2026 | — |
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| Net Charge-offs | 19.6M | Six Months Ended June 30, 2026 | — |
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| Net charge-offs as a percentage of average loans (annualized) | 0.49% | Q2 FY2026 | — |
| Net charge-offs as a percentage of average loans and leases outstanding (annualized) | 0.42% | Six Months Ended June 30, 2026 | — |
| Net interest margin (FTE) | 4.01% | Q2 FY2026 | — |
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| Nonperforming loans | $81.6M | Q2 FY2026 | — |
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| Pre-tax pre-provision net revenue | 123.17M | Six Months Ended June 30, 2026 | — |
| Provision for credit losses as a percentage of net charge-offs | 78.06% | Three Months Ended June 30, 2026 | — |
| Remaining repurchase capacity under the current program | $13M | Q2 FY2026 | — |
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| Shares repurchased | 645,695 | Q2 FY2026 | — |
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| Tangible Book Value Per Common Share non-GAAP | $11.58 | June 30, 2026 | — |
| Tangible Common Equity as a percentage of Tangible Assets non-GAAP | 9.91% | June 30, 2026 | — |
| Total Nonperforming Assets | 85.28M | June 30, 2026 | — |
| Total Nonperforming Loans and Leases | 81.64M | June 30, 2026 | — |
| Weighted average price of shares repurchased | $18.66 | Q2 FY2026 | — |
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| Excess capital above regulatory well capitalized requirement | $376.3M | Q1 2026 | — |
| Bank-level Total Regulatory Capital ratio | 13.4% | Q4 2025 | — |
| Core pre-tax pre-provision income non-GAAP | $231.7M | Full Year 2025 | — |
| Net charge-offs (annualized) as a percentage of average loans outstanding | 0.47% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FCF
this stock
First Commonwealth Financial Corp /Pa/
|
$2.14B | +24.9% | — | 12.9 | 3.1% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +45.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.6% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +21.8% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FCF | -2.6% | +1.1% | +16.4% | -2.2% | +24.9% |
| SPY | -0.4% | +2.6% | +10.7% | +2.7% | +12.5% |
| vs SPY | -2.2% | -1.5% | +5.6% | -4.9% | +12.4% |
Capital returns
Latest dividend
$0.14
/ share · ex Aug 7, 2026
Paid (TTM)
$0.55
/ share · 4 payouts
Dividend yield (TTM, derived)
2.61%
Buyback program
· as of Jul 28, 2026
Authorized
$75.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
712537
CUSIP
319829107
13F (30d)
234 filings
233 filers
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