# First Commonwealth Financial Corporation (FCF) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $21.34, market value $2.2 billion.

## Valuation
- **P/E (trailing): 13.0×** (5-yr avg 10.2×, 3-yr avg 10.7×). First Commonwealth Financial Corporation trades at 13.0× trailing earnings, well above its own five-year average of 10.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.89**. A PEG of 1.89 is in the range usually read as fairly priced for its growth.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 7.7%**. The inverse of the P/E: 7.7% of the price is earned each year.

## Profitability
- **Return on equity: 9.8%**. 9.8% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 5.8%** (3-yr 2.4%/yr, 5-yr 14.4%/yr). Earnings per share rose 5.8%.
- **Free-cash-flow growth (3 yr): 6.9%/yr**. Free cash flow has compounded at 6.9% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.62%** ($0.55 per share, trailing). First Commonwealth Financial Corporation yields 2.62%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 36%**. 36% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 4.0%/yr** (1-yr 3.9%). The dividend has grown 4.0% a year over five years.

## Price and momentum
- **Total return (1 yr): 21.2%** (YTD 28.5%, 3-mo 11.7%). The shares are up 21.2% over twelve months including dividends.
- **From 52-week high: -4.5%** (42.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 0.40** (volatility 21%). Beta of 0.40 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FCF · Page: https://foliofundamentals.com/stocks/fcf

Not investment advice.