FCF

Based on First Commonwealth Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does First Commonwealth Financial do?

First Commonwealth Financial is a community bank holding company offering consumer and commercial banking, mortgage lending, trust and asset management, insurance, and brokerage services. It operates across western and central Pennsylvania and parts of Ohio through more than 100 community banking offices.

Does FCF pay dividends?

Yes, First Commonwealth Financial pays a regular dividend. Community banks with stable deposit bases commonly return capital to shareholders through dividends. Investors should check the company's investor relations page for the current dividend rate and payment schedule.

When does FCF report earnings?

First Commonwealth Financial reports earnings quarterly, in line with standard US-listed bank reporting. For exact dates of upcoming earnings releases, refer to the company's investor relations page or financial calendar.

Is FCF a good stock to buy?

UQS Score rates FCF as Below Average overall. The Valuation pillar is Attractive and Quality is Good, but Moat, Growth, and Risk are all Weak. Whether that trade-off suits your portfolio depends on your risk tolerance and investment goals. The full pillar breakdown is available to Pro members.

Is FCF overvalued?

The UQS Valuation pillar rates FCF as Attractive, suggesting the stock is not expensive relative to its fundamentals. However, an attractive price does not eliminate the risks flagged in the Moat, Growth, and Risk pillars — value can persist when underlying business challenges remain unresolved.

How does FCF compare to its competitors?

FCF competes with regional peers including Northwest Bancshares, Columbia Financial, and Stellar Bancorp. Each operates in different geographic markets with distinct economic backdrops. UQS Score comparisons across these peers are available on each ticker's page at uqs-score.com.

What is FCF's market cap bracket?

First Commonwealth Financial is classified as a small-cap company. Small-cap bank stocks can offer attractive valuations but typically carry higher liquidity risk and greater sensitivity to regional economic conditions than larger banking institutions.

Who founded First Commonwealth Financial?

First Commonwealth Financial was established in 1992. For detailed founding history and leadership background, the company's official about page and investor relations materials are the most reliable sources.

Is FCF a long-term quality investment?

As a long-term quality indicator, FCF's UQS profile is mixed. The Good Quality rating suggests operational discipline, but Weak Moat and Growth ratings raise questions about durable competitive advantage and earnings expansion over time. Pro members can access the complete analysis to assess long-term fit.

What is the main competitive advantage of First Commonwealth Financial?

FCF's UQS Moat pillar is rated Weak, indicating limited durable competitive differentiation. Its primary advantage lies in deep community relationships and local market knowledge across its Pennsylvania and Ohio footprint — strengths that are difficult to quantify but also difficult to scale.

What sector does FCF belong to?

First Commonwealth Financial belongs to the Financial Services sector, specifically operating as a community bank holding company. Community banks are sensitive to interest rate cycles, regional economic health, and regulatory requirements — all of which factor into the UQS Risk pillar assessment.

Is FCF a growth stock or value stock?

Based on UQS pillar labels, FCF leans toward value rather than growth. The Growth pillar is rated Weak while Valuation is Attractive — a combination more typical of value-oriented community bank stocks than high-growth financial technology or diversified financial services companies.

First Commonwealth Financial Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

First Commonwealth Financial Corporation faces growth headwinds with declining or stagnant revenue trends.

First Commonwealth Financial Corporation maintains a reasonable risk profile with manageable debt levels.

First Commonwealth Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.

First Commonwealth Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FCF.

The UQS (Unified Quality Score) for First Commonwealth Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses First Commonwealth Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether First Commonwealth Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.