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First Commonwealth Financial Corporation (FCF)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US3198291078
CUSIP
319829107
IPO Date
Jan 19, 1992

Highlights

Market Cap
$1.82B
Enterprise Value
$2.28B
EPS (TTM)
$1.46
PE Ratio
12.02
PEG Ratio
20.26
Total Revenue (TTM)
$729.44M
Gross Profit (TTM)
$493.12M
EBITDA (TTM)
$204.68M
Year Range
$13.54 - $19.08
Target Price
$20.50
ROA (TTM)
1.23%
ROE (TTM)
1.23%

Share Price Chart


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Often compared with FCF:
FCF vs. VOO

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in First Commonwealth Financial Corporation, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

First Commonwealth Financial Corporation (FCF) has returned 5.02% so far this year and 16.88% over the past 12 months. Over the last ten years, FCF has returned 10.68% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.


First Commonwealth Financial Corporation

1D
1.44%
1M
0.29%
YTD
5.02%
6M
4.76%
1Y
16.88%
3Y*
16.19%
5Y*
7.47%
10Y*
10.68%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Jun 10, 1992, FCF's average daily return is +0.05%, while the average monthly return is +0.92%. At this rate, your investment would double in approximately 6.3 years.

Historically, 57% of months were positive and 43% were negative. The best month was Jun 2001 with a return of +39.2%, while the worst month was Mar 2020 at -22.5%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 6 months.

On a daily basis, FCF closed higher 47% of trading days. The best single day was Mar 10, 2009 with a return of +22.8%, while the worst single day was Dec 1, 2008 at -18.5%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20266.94%-2.07%0.29%5.02%
2025-1.42%-0.69%-5.47%-1.42%2.83%3.91%1.73%8.41%-3.94%-10.32%7.21%3.75%3.00%
2024-9.26%-6.11%6.83%-5.24%3.42%2.22%30.92%-4.04%-0.41%-4.14%15.35%-10.14%13.35%
20235.30%9.73%-22.36%0.40%2.42%0.00%14.15%-8.68%-6.58%-0.25%10.90%15.48%14.76%
20222.92%-1.80%-6.13%-11.08%4.82%-4.21%10.43%-8.29%-4.75%11.68%3.52%-5.10%-10.33%
20217.22%15.37%7.16%0.84%5.36%-7.13%-6.40%3.57%0.81%12.25%-1.05%7.05%52.00%

Benchmark Metrics

First Commonwealth Financial Corporation has an annualized alpha of 3.39%, beta of 1.03, and R² of 0.27 versus S&P 500 Index. Calculated based on daily prices since June 11, 1992.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (60.18%) than losses (59.45%) — typical of diversified or defensive assets.
  • R² of 0.27 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
3.39%
Beta
1.03
0.27
Upside Capture
60.18%
Downside Capture
59.45%

Return for Risk

Risk / Return Rank

FCF ranks 61 for risk / return — better than 61% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


FCF Risk / Return Rank: 6161
Overall Rank
FCF Sharpe Ratio Rank: 6464
Sharpe Ratio Rank
FCF Sortino Ratio Rank: 5656
Sortino Ratio Rank
FCF Omega Ratio Rank: 5656
Omega Ratio Rank
FCF Calmar Ratio Rank: 6464
Calmar Ratio Rank
FCF Martin Ratio Rank: 6565
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for First Commonwealth Financial Corporation (FCF) and compare them to a chosen benchmark (S&P 500 Index).


FCFBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

0.67

0.90

-0.22

Sortino ratio

Return per unit of downside risk

1.06

1.39

-0.32

Omega ratio

Gain probability vs. loss probability

1.14

1.21

-0.07

Calmar ratio

Return relative to maximum drawdown

1.14

1.40

-0.26

Martin ratio

Return relative to average drawdown

2.81

6.61

-3.80

Explore FCF risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

First Commonwealth Financial Corporation provided a 3.07% dividend yield over the last twelve months, with an annual payout of $0.54 per share. The company has been increasing its dividends for 15 consecutive years.


2.00%2.50%3.00%3.50%4.00%$0.00$0.10$0.20$0.30$0.40$0.5020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$0.54$0.54$0.52$0.50$0.48$0.46$0.44$0.40$0.35$0.32$0.28$0.28

Dividend yield

3.07%3.17%3.04%3.21%3.40%2.83%4.02%2.76%2.90%2.23%1.97%3.09%

Monthly Dividends

The table displays the monthly dividend distributions for First Commonwealth Financial Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.14$0.00$0.14
2025$0.00$0.13$0.00$0.00$0.14$0.00$0.00$0.14$0.00$0.00$0.14$0.00$0.54
2024$0.00$0.13$0.00$0.00$0.13$0.00$0.00$0.13$0.00$0.00$0.13$0.00$0.52
2023$0.00$0.12$0.00$0.00$0.13$0.00$0.00$0.13$0.00$0.00$0.13$0.00$0.50
2022$0.00$0.12$0.00$0.00$0.12$0.00$0.00$0.12$0.00$0.00$0.12$0.00$0.48
2021$0.00$0.11$0.00$0.00$0.12$0.00$0.00$0.12$0.00$0.00$0.12$0.00$0.46

Dividend Yield & Payout


Dividend Yield

First Commonwealth Financial Corporation has a dividend yield of 3.07%, which is quite average when compared to the overall market.

Payout Ratio

First Commonwealth Financial Corporation has a payout ratio of 35.93%, which is quite average when compared to the overall market. This suggests that First Commonwealth Financial Corporation strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the First Commonwealth Financial Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the First Commonwealth Financial Corporation was 74.47%, occurring on Oct 3, 2011. Recovery took 1291 trading sessions.

The current First Commonwealth Financial Corporation drawdown is 6.64%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-74.47%Sep 19, 2008766Oct 3, 20111291Nov 17, 20162057
-57.53%Jul 27, 2018454May 15, 2020371Nov 3, 2021825
-46.21%Jan 2, 1998567Mar 31, 2000314Jun 29, 2001881
-33.87%Apr 3, 2006337Aug 3, 2007284Sep 18, 2008621
-32.53%Jan 26, 1994238Jan 5, 1995262Jan 18, 1996500

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of First Commonwealth Financial Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how First Commonwealth Financial Corporation is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for FCF, comparing it with other companies in the Banks - Regional industry. Currently, FCF has a P/E ratio of 12.0. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for FCF compared to other companies in the Banks - Regional industry. FCF currently has a PEG ratio of 20.3. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for FCF relative to other companies in the Banks - Regional industry. Currently, FCF has a P/S ratio of 2.5. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for FCF in comparison with other companies in the Banks - Regional industry. Currently, FCF has a P/B value of 0.1. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items