Stocktoria
FIRST COMMONWEALTH FINANCIAL CORP /PA/ FCF
FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.66% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FCF | FIRST COMMONWEALTH FINANCIAL CORP /PA/ | 4/9 | — | 13.7 | — |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| JPM | JPMORGAN CHASE & CO | 2/9 | — | 15.5 | +2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | 5/9 | — | 13.5 | +6.8% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
All Finance, Insurance & Real Estate companies →
About FIRST COMMONWEALTH FINANCIAL CORP /PA/
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company's consumer services include internet, mobile, and telephone banking; an automated teller machine network; personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.
FAQ
Is FCF financially healthy?
FIRST COMMONWEALTH FINANCIAL CORP /PA/'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does FCF pay a dividend, and is it safe?
Yes. FIRST COMMONWEALTH FINANCIAL CORP /PA/ pays a dividend yielding about 2.66% with a 36.4% payout ratio, rated “safe” for safety.
How profitable is FCF?
In FY2025, FIRST COMMONWEALTH FINANCIAL CORP /PA/ had a return on equity of 9.8%.
Is FCF overvalued or undervalued?
FIRST COMMONWEALTH FINANCIAL CORP /PA/ trades at about 14.7× trailing earnings — above its 10-year norm (10-year range 9.1×–24.9×, median 12.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for FCF?
The average Wall-Street price target for FIRST COMMONWEALTH FINANCIAL CORP /PA/ is $20.83, about 3.6% below the recent price, from 6 analysts.
Is FCF a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FIRST COMMONWEALTH FINANCIAL CORP /PA/: a Piotroski F-score of 4/9, a P/E of about 13.7×, a dividend yield of 2.66%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.