FCF
First Commonwealth Financial Corporation
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
+14/100
Last price
20.06
▼ 0.32 (1.57%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
20.47
Prev close
20.38
Day high
20.50
Day low
20.06
Volume
1.16M
Market cap
$2.03B
P/E (TTM)
12.31
52W range
15.00 – 22.34
Day trading desk
Gap from prior close
+0.44%
Prior close 20.38
VWAP
20.13
-0.36% from price
Relative volume
3.58×
Unusually busy
Session range
2.19%
20.06 – 20.50
Position in range
0%
Near session low
ATR (14D)
0.37
1.84% of price
Prior day high
20.58
PDH
Prior day low
20.26
PDL
Bid / ask spread
—
Quote not published
Session volume
3.17M
Avg 886.89K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-1.33%
-3.3%
1M
-6.00%
-7.2%
3M
+0.40%
-4.1%
6M
+10.46%
-7.7%
YTD
+18.98%
+4.7%
1Y
+19.33%
+2.9%
3Y
+64.29%
-18.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on FCF open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-99.90K
Net selling
Buy transactions
6
14.78K shares
Sell transactions
7
114.68K shares
Net transactions
+13
Buys less sells
Sell : buy shares
7.8 : 1
Heavily one-sided
Insider-held shares
1.63M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 4, 26 | RESKE JAMES R Chief Financial Officer |
SELL | 2.07K | $44.03K | Direct |
| Aug 10, 26 | LYON LEE E II Officer |
SELL | 25.00K | $536.58K | Direct |
| Jul 6, 26 | RESKE JAMES R Chief Financial Officer |
SELL | 2.07K | $42.48K | Direct |
| Jun 4, 26 | MCCUEN MICHAEL P Officer |
SELL | 10.50K | $197.90K | Direct |
| May 18, 26 | LYON LEE E II Officer |
SELL | 35.00K | $644.05K | Direct |
| May 5, 26 | RESKE JAMES R Chief Financial Officer |
SELL | 2.07K | $38.37K | Direct |
| May 4, 26 | BRICE TODD D Director |
BUY | 1.00K | $18.58K | Direct |
| May 1, 26 | MONTGOMERY NORMAN J Officer |
SELL | 37.96K | $696.76K | Direct |
| May 1, 26 | OLIPHANT ARADHNA M Director |
STOCK | 2.70K | $49.78K | Direct |
| May 1, 26 | DIVITO JOSEPH V. JR. Director |
STOCK | 2.79K | $51.36K | Direct |
| May 1, 26 | BRICE TODD D Director |
STOCK | 2.79K | $51.36K | Indirect |
| May 1, 26 | CHARLEY RAY T Director |
STOCK | 2.79K | $51.36K | Direct |
| May 1, 26 | GORNEY JON L Director |
STOCK | 2.70K | $49.78K | Direct |
| Apr 6, 26 | RESKE JAMES R Chief Financial Officer |
SELL | 2.07K | $37.01K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CHARLEY RAY T |
Director | 337.69K | Stock Award(Grant) |
GORNEY JON L |
Director | 50.72K | Stock Award(Grant) |
GREBENC JANE |
Officer and Director | 158.97K | Sale |
LOMBARDI LEONARD V |
Officer | 63.44K | Conversion of Exercise of derivative security |
MCCUEN MICHAEL P |
Officer | 51.61K | Sale |
MONTGOMERY NORMAN J |
Officer | 50.10K | Sale |
PRICE T MICHAEL |
Chief Executive Officer | 392.05K | Conversion of Exercise of derivative security |
RESKE JAMES R |
Chief Financial Officer | 73.06K | Sale |
RIGGLE CARRIE L |
Officer | 61.06K | Conversion of Exercise of derivative security |
TOMB MATTHEW C |
Officer | 83.59K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$2.03B
Enterprise value$2.14B
Revenue (TTM)$507.07M
Gross profit$507.07M
EBITDA—
Net income$168.34M
EPS (TTM)$1.63
Free cash flow—
Total cash$196.08M
Total debt$319.70M
Book value / share$15.58
Shares outstanding101.06M
Float98.35M
Short % of float5.35%
Dividend yield2.79%
Beta (5Y)0.75
Valuation & profitability ratios
Trailing P/E12.31
Forward P/E10.28
PEG ratio1.46
Price / sales—
Price / book1.29
EV / revenue4.23
EV / EBITDA—
Gross margin0.00%
Operating margin45.36%
Profit margin33.20%
Return on equity10.91%
Return on assets1.38%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $522.91M | $478.12M | $482.29M | $410.93M | +9.4% |
| Operating revenue | $522.91M | $478.12M | $482.29M | $410.93M | +9.4% |
| Selling, general & admin | $176.54M | $160.79M | $154.84M | $133.93M | +9.8% |
| Pre-tax income | $191.36M | $178.21M | $197.56M | $160.19M | +7.4% |
| Tax provision | $39.06M | $35.64M | $40.49M | $32.00M | +9.6% |
| Net income | $152.30M | $142.57M | $157.06M | $128.18M | +6.8% |
| Net income to common | $152.30M | $142.57M | $157.06M | $128.18M | +6.8% |
| Basic EPS | 1.48 | 1.40 | 1.54 | 1.37 | +5.7% |
| Diluted EPS | 1.48 | 1.39 | 1.54 | 1.37 | +6.5% |
| Basic shares | 102.84M | 101.76M | 102.11M | 93.38M | +1.1% |
| Diluted shares | 103.52M | 102.21M | 102.11M | 93.49M | +1.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $180.36M | $133.41M | $146.99M | $154.24M | +35.2% |
| Property, plant & equipment | $114.28M | $116.11M | $121.02M | $115.11M | -1.6% |
| Goodwill & intangibles | $400.23M | $383.35M | $386.54M | $312.53M | +4.4% |
| Total assets | $12.34B | $11.58B | $11.46B | $9.81B | +6.5% |
| Current debt | $125.00M | $55.00M | $563.00M | $285.00M | +127.3% |
| Long-term debt | $258.02M | $258.66M | $181.86M | $175.80M | -0.2% |
| Total debt | $386.74M | $317.99M | $749.76M | $466.22M | +21.6% |
| Total liabilities | $10.79B | $10.18B | $10.15B | $8.75B | +6.0% |
| Retained earnings | $1.07B | $971.08M | $881.11M | $774.86M | +10.0% |
| Shareholder equity | $1.55B | $1.41B | $1.31B | $1.05B | +10.6% |
| Net tangible assets | $1.15B | $1.02B | $927.74M | $739.54M | +13.0% |
| Shares issued | 126.60M | 123.60M | 123.60M | 113.91M | +2.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $152.30M | $142.57M | $157.06M | $128.18M | +6.8% |
| Depreciation & amortisation | $6.63M | $5.69M | $4.10M | $10.55M | +16.5% |
| Change in working capital | -$908.00K | $3.68M | -$8.45M | -$10.23M | -124.7% |
| Operating cash flow | $187.54M | $129.46M | $150.76M | $151.41M | +44.9% |
| Capital expenditure | -$16.09M | -$15.55M | -$22.03M | -$11.21M | -3.5% |
| Investing cash flow | -$388.23M | -$121.72M | -$574.27M | -$588.79M | -218.9% |
| Share buybacks | -$35.79M | -$12.63M | -$14.96M | -$15.60M | -183.4% |
| Dividends paid | -$55.49M | -$52.60M | -$50.81M | -$44.58M | -5.5% |
| Financing cash flow | $247.64M | -$21.32M | $416.26M | $196.25M | +1,261.3% |
| Free cash flow | $171.45M | $113.92M | $128.72M | $140.21M | +50.5% |
| End cash position | $180.36M | $133.41M | $146.99M | $154.24M | +35.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $138.55M | $133.56M | $137.92M | $135.98M | $130.92M | +3.7% |
| Operating revenue | $138.55M | $133.56M | $137.92M | $135.98M | $130.92M | +3.7% |
| Selling, general & admin | $45.32M | $46.13M | $45.49M | $44.30M | $43.59M | -1.8% |
| Pre-tax income | $56.27M | $47.23M | $56.44M | $51.82M | $42.06M | +19.1% |
| Tax provision | $11.68M | $9.69M | $11.56M | $10.49M | $8.66M | +20.6% |
| Net income | $44.59M | $37.55M | $44.88M | $41.33M | $33.40M | +18.8% |
| Net income to common | $44.59M | $37.55M | $44.88M | $41.33M | $33.40M | +18.8% |
| Basic EPS | 0.44 | 0.37 | 0.44 | 0.40 | 0.32 | +18.9% |
| Diluted EPS | 0.44 | 0.37 | 0.43 | 0.39 | 0.32 | +18.9% |
| Basic shares | 101.19M | 102.12M | 102.84M | 104.29M | 104.93M | -0.9% |
| Diluted shares | 101.56M | 102.39M | 103.64M | 104.75M | 104.93M | -0.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $179.63M | $342.94M | $180.36M | $161.41M | $160.17M | -47.6% |
| Property, plant & equipment | $113.02M | $113.81M | $114.28M | $116.53M | $117.17M | -0.7% |
| Goodwill & intangibles | $398.33M | $399.23M | $400.23M | $400.85M | $402.56M | -0.2% |
| Total assets | $12.21B | $12.26B | $12.34B | $12.31B | $12.24B | -0.4% |
| Current debt | $137.95M | $22.86M | $125.00M | $149.56M | $225.87M | +503.5% |
| Long-term debt | $121.68M | $128.51M | $258.02M | $258.18M | $258.34M | -5.3% |
| Total debt | $263.03M | $154.93M | $386.74M | $411.61M | $488.24M | +69.8% |
| Total liabilities | $10.64B | $10.71B | $10.79B | $10.77B | $10.72B | -0.7% |
| Retained earnings | $1.12B | $1.09B | $1.07B | $1.04B | $1.01B | +2.8% |
| Shareholder equity | $1.57B | $1.55B | $1.55B | $1.54B | $1.52B | +1.1% |
| Net tangible assets | $1.17B | $1.15B | $1.15B | $1.14B | $1.12B | +1.5% |
| Shares issued | 101.10M | 126.60M | 126.60M | 126.60M | 126.60M | -20.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $44.59M | $37.55M | $44.88M | $41.33M | $33.40M | +18.8% |
| Depreciation & amortisation | $1.80M | $2.07M | $1.80M | $1.88M | $788.00K | -12.7% |
| Change in working capital | -$3.53M | $5.21M | -$663.00K | $333.00K | -$6.08M | -167.7% |
| Operating cash flow | $3.64M | $86.83M | $51.75M | $49.50M | $30.41M | -95.8% |
| Capital expenditure | -$3.26M | -$4.36M | -$2.16M | -$3.53M | -$5.37M | +25.2% |
| Investing cash flow | -$100.03M | $210.81M | -$13.66M | -$73.64M | -$87.37M | -147.5% |
| Share buybacks | -$12.06M | -$24.81M | -$22.85M | -$10.63M | -$508.00K | +51.4% |
| Dividends paid | -$14.22M | -$13.85M | -$14.00M | -$14.10M | -$14.15M | -2.7% |
| Financing cash flow | -$66.92M | -$135.05M | -$19.14M | $25.38M | $75.78M | +50.5% |
| Free cash flow | $380.00K | $82.46M | $49.59M | $45.97M | $25.03M | -99.5% |
| End cash position | $179.63M | $342.94M | $180.36M | $161.41M | $160.17M | -47.6% |
Options analytics
Put / call volume
0.25
Call-heavy session
Put / call open interest
0.40
Positioning, not flow
Max pain
12.50
-37.7% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
-23.2%
Calls bid over puts
Call volume
28
Contracts, this expiry
Put volume
7
Contracts, this expiry
Heaviest call OI
22.50
4 contracts
Heaviest put OI
2.50
1 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.42 | 0.44 | +3.9% |
| Mar 2026 | 0.40 | 0.37 | -7.5% |
| Dec 2025 | 0.42 | 0.43 | +3.2% |
| Sep 2025 | 0.41 | 0.39 | -4.9% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.46 | 7 | $141.36M | +4.0% |
| Next quarter | 0.47 | 7 | $142.78M | +3.5% |
| Current year | 1.73 | 7 | $556.86M | +6.5% |
| Next year | 1.95 | 7 | $588.51M | +5.7% |
Analyst targets & ownership
Mean target$24.07
High target$25.00
Low target$23.50
Implied upside20.00%
Analyst count7
ConsensusBUY
Strong buy / Buy3 / 1
Hold3
Sell / Strong sell0 / 0
Held by insiders1.62%
Held by institutions80.53%
Institutions holding363
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
20.49
-2.09% from price
SMA 20
20.83
-3.68% from price
SMA 50
21.10
-4.95% from price
SMA 100
20.43
-1.81% from price
SMA 200
19.14
+4.81% from price
EMA 12
20.53
-2.27% from price
EMA 26
20.75
-3.32% from price
EMA 50
20.77
-3.43% from price
RSI (14)
34.8
Neutral
MACD (12,26,9)
-0.22
Hist -0.07
ATR (14)
0.37
1.84% of price
Realised vol 30D
15.0%
Annualised
Bollinger upper
21.65
20, 2σ
Bollinger lower
20.00
20, 2σ
50 / 200 cross
Golden
21.10 vs 19.14
Trend bias
Above 200
+4.81%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.32
Less volatile than market
Correlation to SPY
0.20
Largely independent
Realised vol 30D
15.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-11.9%
Peak to trough
Max drawdown 5Y
-34.7%
Peak to trough
ATR 14
0.37
1.84% of price
Beta (reported)
0.75
5Y monthly, from filing
Short interest
Shares short
3.87M
Prior 3.02M
Change vs prior
+28.2%
Shorts adding
% of float
5.35%
Normal
% of shares out
3.83%
Against total outstanding
Days to cover
5.6
Crowded exit
Float
98.35M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 29, 26 | DA Davidson | INITIATED | — | Neutral |
| Jul 31, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 30, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 30, 26 | RBC Capital | MAINTAINED | Outperform | Outperform |
| Jan 29, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 7, 26 | Raymond James | UPGRADE | Market Perform | Outperform |
| May 2, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| May 1, 25 | RBC Capital | MAINTAINED | Outperform | Outperform |
| Feb 6, 25 | Stephens & Co. | MAINTAINED | Overweight | Overweight |
| Jan 30, 25 | RBC Capital | MAINTAINED | Outperform | Outperform |
| Jan 30, 25 | DA Davidson | MAINTAINED | Buy | Buy |
| Jan 29, 25 | Stephens & Co. | MAINTAINED | Overweight | Overweight |
Dividends & splits
Forward rate$0.56 / yr
Forward yield2.79%
5-year avg yield3.22%
Payout ratio33.44%
Ex-dividend dateAug 7, 2026
Next pay dateAug 21, 2026
Last split2:1
Split dateNov 19, 1999
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-17
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-08-21
Periodic Financial Reports
10-Q · 2026-08-10
Corporate Changes & Voting Matters
8-K · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-28
Periodic Financial Reports
10-Q · 2026-05-11
Corporate Changes & Voting Matters
8-K · 2026-05-01
Corporate Changes & Voting Matters
8-K · 2026-04-28
Headlines
DA Davidson Initiates First Commonwealth Financial at Neutral With $24 Price Target
MT Newswires · 8d ago
Regional Banks Stocks Q2 In Review: First Commonwealth Financial (NYSE:FCF) Vs Peers
StockStory · 15d ago
Insider Selling Signal: Jane Grebenc Sheds 15,000 Shares of First Commonwealth Financial
Motley Fool · 48d ago
First Commonwealth Financial (FCF): Buy, Sell, or Hold Post Q2 Earnings?
StockStory · 50d ago
First Commonwealth Financial Insider Sold Shares Worth $536,581, According to a Recent SEC Filing
MT Newswires · 57d ago
First Commonwealth Financial Insider Sold Shares Worth $325,454, According to a Recent SEC Filing
MT Newswires · 57d ago
FCF Q2 Deep Dive: Loan Growth Momentum and Deposit Competition Shape Outlook
StockStory · 64d ago
3 Russell 2000 Stocks We Find Risky
StockStory · 67d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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