First Commonwealth Financial Corporation
FCFFinancial ServicesNASDAQBanks - Regional · Last scanned Jul 18, 2026
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Daily timeframeFirst Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. At a $2.15B market cap, First Commonwealth Financial Corporation ranks as a mid-cap company within financial services. 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.
Market Cap
$2.15B
Beta
0.73
P/E (TTM)
14.08
P/E (Fwd)
10.75
EPS (TTM)
$1.50
EPS (Fwd)
$1.97
ROE
10.5%
ROA
1.3%
Cash
$357.3M
Total Debt
$210.0M
Free CF
—
52W Change
25.0%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $357.3M in cash comfortably exceeding the $210.0M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. ROE of 10.5% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $410.9M (2022) to $522.9M (2025), reflecting a 27% increase over the period.
As with any equity investment, FCF carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for First Commonwealth Financial Corporation and its sector.