FCF · First Commonwealth Financial Corp /Pa/
$21.45
-0.23 (-1.06%)
At close · Aug 6
Market Cap
$2.18B
Shares
101.68M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$21.45
Open$21.88
Day$21.40–21.90
52W$14.65–22.34
Avg vol 30d847K
Short int3.2M · 3.2% float · 5.5d
Short vol67%
Last earningsJul 29, 2026
DataJan 2020–Aug 2026
Filing10-Q · May 11
Up next
Next earnings call
Oct 28, 2026
Est · unconfirmed
· in 12 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 11, 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
Strong Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 15.2 · calm
Equity put/call 0.60
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+18%
above
Price vs 50-day avg
+6%
above
RSI (14)
59
neutral
MACD trend
Positive
52-week position
88%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+6%
trailing
6-month return
+18%
trailing
YTD return
+29%
this year
Relative strength
+6%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $20 › 200d $18 — 50d above 200d
Institutional flow
Accumulating
95 of 259 funds reported for Jun 30 · net +8.4K sh shares · +7 new
Insider flow
Distributing
Net -$881.2K over 90 days · 100% sells
Short interest
Rising
3.15% of float · ▲ +13.1% MoM · 5.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
259 holders — near 3-yr high, broad support
Squeeze score
68
elevated · 0–100
Fundamentals
EPS growth
+6%
Y/Y
Free cash flow
$171.5M
Valuation
P/E 14.1
in line
Buyback
$75.0M
authorized
Balance sheet
$213.1M
net cash
Quant / Vol
risk profile
Volatility
22%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
2.0%
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)
Initiated
4% – 4.09%
Fee income
Initiated
$24M – $25M
the remainder of 2026
Non-interest expense
Initiated
$74M – $76M
Guided vs delivered
· last 1 settled
EPS contribution from CenterBank acquisition
third quarter of 2025
guided $0.01
$0.39
Beat +3800.0%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+18%
Bullish
Price vs 50-day avg
+6%
Bullish
RSI (14)
59
Neutral
MACD trend
Positive
Bullish
52-week position
88%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $20 › 200d $18 — 50d above 200d
Institutional flow
Accumulating
95 of 259 funds reported for Jun 30 · net +8.4K sh shares · +7 new
Insider flow
Distributing
Net -$881.2K over 90 days · 100% sells
Short interest
Rising
3.15% of float · ▲ +13.1% MoM · 5.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
259 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $15
Now $21 · 88%
52-wk high $22
vs 200-day avg +18%
vs 50-day avg +6%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses as a percent of end-of-period loans and leases | 1.35% | Q2 2026 | — |
| Core efficiency ratio non-GAAP | 52.24% | Q2 2026 | — |
|
|
|||
| Core pre-tax pre-provision ROAA non-GAAP | 2.14% | Q2 2026 | — |
|
|
|||
| Core return on average tangible common equity non-GAAP | 15.66% | Q2 2026 | — |
| Core ROAA non-GAAP | 1.46% | Q2 2026 | — |
|
|
|||
| Excess capital above regulatory well capitalized requirement | $393.8M | Q2 2026 | — |
|
|
|||
| Loan-to-deposit ratio | 92.7% | Q2 2026 | — |
|
|
|||
| Net charge-offs as a percent of average loans and leases (annualized) | 0.49% | Q2 2026 | — |
| Net interest margin (FTE) | 4.01% | Q2 2026 | — |
|
|
|||
| Nonperforming loans | $81.6M | Q2 2026 | — |
|
|
|||
| Nonperforming loans and leases as a percent of end-of-period loans and leases | 0.86% | Q2 2026 | — |
| Shares repurchased | 645,695 | Q2 2026 | — |
|
|
|||
| Tangible book value per common share | $11.58 | Q2 2026 | — |
| Weighted average price of shares repurchased | $18.66 | Q2 2026 | — |
|
|
|||
| Allowance for credit losses as a percentage of end-of-period loans | 1.37% | Q1 2026 | — |
|
|
|||
| Bank-level Total Capital Ratio | 13.8% | Q1 2026 | — |
| Core pre-tax pre-provision net revenue non-GAAP | $57,854K | Q1 2026 | — |
|
|
|||
| Net charge-offs | $8.2M | Q1 2026 | — |
| Remaining repurchase capacity under the current program | $18.4M | Q1 2026 | — |
| Bank-level Total Regulatory Capital ratio | 13.4% | Q4 2025 | — |
| Core net income non-GAAP | $158.1M | Full Year 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 · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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/
|
$2.18B | +29.1% | — | 14.1 | 3.2% |
|
MFG
Mizuho Financial Group Inc
|
$130.23B | +46.0% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$122.06B | -34.9% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$109.32B | +3.1% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.84B | +23.9% | +7.2% | 13.9 | 1.7% |
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 | -0.7% | +5.7% | +18.4% | -0.4% | +29.1% |
| SPY | +3.6% | +2.2% | +12.8% | +2.9% | +12.7% |
| vs SPY | -4.3% | +3.5% | +5.6% | -3.3% | +16.4% |
Capital returns
Latest dividend
$0.14
/ share · ex May 8, 2026
Paid (TTM)
$0.545
/ share · 4 payouts
Dividend yield (TTM, derived)
2.54%
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)
83 filings
83 filers
Visit website
Investor relations