FCF

First Commonwealth Financial Corporation

Financial Services · $2.0B market cap

Verdict

Share price

$20.56

close of Oct 3, 2026

Fair value

$36.09

Sticker Price

Payback Price

$14.43

buy price

Undervalued

FCF is Undervalued: at $20.56 it trades 43% below its fair value of $36.09. Its buy price (Payback Price) is $14.43, 30% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth9.2% a year✗
Equity per share growth3.9% a year✗
Sales growth3.3% a year✗
Free cash flow growth5.4% a year✗
Return on invested capital5.2%✗

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Insider activity

Since Jul 1, 2026: no open-market purchases, 58 sales worth $994K and 2 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$3K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$3K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$1K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$3K

Show all 58 sales

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$4K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$7K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-09-04

Sold

$1K

Lyon Lee E II

EVP / Chief Audit Executive · 2026-08-10

Sold

$64K

Lyon Lee E II

EVP / Chief Audit Executive · 2026-08-10

Sold

$86K

Lyon Lee E II

EVP / Chief Audit Executive · 2026-08-10

Sold

$97K

Lyon Lee E II

EVP / Chief Audit Executive · 2026-08-10

Sold

$107K

Lyon Lee E II

EVP / Chief Audit Executive · 2026-08-10

Sold

$103K

Lyon Lee E II

EVP / Chief Audit Executive · 2026-08-10

Sold

$78K

Grebenc Jane

director · 2026-08-06

Sold

$7K

Grebenc Jane

director · 2026-08-06

Sold

$29K

Grebenc Jane

director · 2026-08-06

Sold

$7K

Grebenc Jane

director · 2026-08-06

Sold

$211K

Grebenc Jane

director · 2026-08-06

Sold

$72K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$4K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$7K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$11K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$4K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$4K

Reske James R

EVP/Chief Financial Officer · 2026-08-05

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$3K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$1K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$1K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$5K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$6K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$2K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$4K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$4K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$1K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$655

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$819

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$1K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$1K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$1K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$5K

Reske James R

EVP/Chief Financial Officer · 2026-07-06

Sold

$2K

Other filings

About First Commonwealth Financial Corporation

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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works