FCF
First Commonwealth Financial Corporation
NYSEUSDEQUITY
Financial Services
DELAYED
Last price
21.09
▼ 0.16 (0.75%)
MARKET · —
Price
Open
21.25
Prev close
21.25
Day high
21.45
Day low
20.94
Volume
470.21K
Market cap
$2.13B
P/E (TTM)
12.86
52W range
15.00 – 22.34
Trailing performance
Returnvs SPY
1W
-2.45%
-1.1%
1M
+1.59%
-2.1%
3M
+12.54%
+9.4%
6M
+14.50%
+3.4%
YTD
+25.09%
+12.8%
1Y
+25.61%
+5.6%
3Y
+59.29%
-14.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$2.13B
Enterprise value$2.25B
Revenue (TTM)$507.07M
Gross profit$507.07M
EBITDA—
Net income$168.34M
EPS (TTM)$1.64
Free cash flow—
Total cash$196.08M
Total debt$319.70M
Book value / share$15.58
Shares outstanding101.06M
Float98.34M
Short % of float4.27%
Dividend yield2.66%
Beta (5Y)0.74
Valuation & profitability ratios
Trailing P/E12.86
Forward P/E10.72
PEG ratio1.46
Price / sales—
Price / book1.35
EV / revenue4.43
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 |
|---|---|---|---|---|
| Total revenue | $522.91M | $478.12M | $482.29M | $410.93M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $152.30M | $142.57M | $157.06M | $128.18M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $152.30M | $142.57M | $157.06M | $128.18M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
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 | 6 | $141.37M | +4.0% |
| Next quarter | 0.47 | 6 | $142.80M | +3.5% |
| Current year | 1.73 | 6 | $556.96M | +6.5% |
| Next year | 1.97 | 6 | $589.64M | +5.9% |
Analyst targets & ownership
Mean target$24.08
High target$25.00
Low target$23.50
Implied upside14.19%
Analyst count6
ConsensusBUY
Strong buy / Buy3 / 1
Hold2
Sell / Strong sell0 / 0
Held by insiders1.63%
Held by institutions80.42%
Institutions holding363
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
-101.97K
Net selling
Buy transactions
6
14.78K shares
Sell transactions
8
116.75K shares
Net transactions
+14
Buys less sells
Sell : buy shares
7.9 : 1
Heavily one-sided
Insider-held shares
1.64M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| 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 | CHARLEY RAY T Director |
STOCK | 2.79K | $51.36K | Direct |
| May 1, 26 | GORNEY JON L Director |
STOCK | 2.70K | $49.78K | Direct |
| May 1, 26 | BRICE TODD D Director |
STOCK | 2.79K | $51.36K | Indirect |
| Apr 6, 26 | RESKE JAMES R Chief Financial Officer |
SELL | 2.07K | $37.01K | Direct |
| Mar 5, 26 | RESKE JAMES R Chief Financial Officer |
SELL | 2.07K | $36.43K | 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 | 77.20K | 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 |
Moving averages & technicals
SMA 10
21.41
-1.48% from price
SMA 20
21.48
-1.80% from price
SMA 50
20.79
+1.44% from price
SMA 100
19.70
+7.08% from price
SMA 200
18.43
+14.43% from price
EMA 12
21.35
-1.20% from price
EMA 26
21.21
-0.58% from price
EMA 50
20.75
+1.62% from price
RSI (14)
47.5
Neutral
MACD (12,26,9)
0.13
Hist -0.11
ATR (14)
0.37
1.77% of price
Realised vol 30D
17.1%
Annualised
Bollinger upper
21.99
20, 2σ
Bollinger lower
20.97
20, 2σ
50 / 200 cross
Golden
20.79 vs 18.43
Trend bias
Above 200
+14.43%
Risk profile
Beta vs SPY
0.37
Less volatile than market
Correlation to SPY
0.22
Largely independent
Realised vol 30D
17.1%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-15.1%
Peak to trough
Max drawdown 5Y
-34.7%
Peak to trough
ATR 14
0.37
1.77% of price
Beta (reported)
0.74
5Y monthly, from filing
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.
Options analytics
Put / call volume
0.23
Call-heavy session
Put / call open interest
1.00
Positioning, not flow
Max pain
20.00
-5.2% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
-15.4%
Calls bid over puts
Call volume
30
Contracts, this expiry
Put volume
7
Contracts, this expiry
Heaviest call OI
22.50
4 contracts
Heaviest put OI
20.00
3 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.
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.
Headlines
Insider Selling Signal: Jane Grebenc Sheds 15,000 Shares of First Commonwealth Financial
Motley Fool · 2d ago
Is First Commonwealth Financial (FCF) Fairly Valued As Its Share Price Momentum Builds?
Simply Wall St. · 3d ago
First Commonwealth Financial (FCF): Buy, Sell, or Hold Post Q2 Earnings?
StockStory · 4d ago
First Commonwealth Financial Insider Sold Shares Worth $536,581, According to a Recent SEC Filing
MT Newswires · 12d ago
First Commonwealth Financial Insider Sold Shares Worth $325,454, According to a Recent SEC Filing
MT Newswires · 12d ago
FCF Q2 Deep Dive: Loan Growth Momentum and Deposit Competition Shape Outlook
StockStory · 18d ago
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First Commonwealth Financial (FCF) Upgraded to Buy: What Does It Mean for the Stock?
Zacks · 22d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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