First Commonwealth Financial

FCF · NYSE

$20.54+$0.27 (+1.33%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $20.27

FCF analyst rating

BuyConsensus of 5 analysts over the last 12 months. 60% rate it a buy.

Strong buy0
Buy3
Hold2
Underperform0
Sell0

12-month price target · 7 analysts

Average $24.56 (+19.6% upside)

Low: $23.74
Now: $20.54
High: $26.25

Upgrades and downgrades

The latest rating actions, newest first

FCF analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
DA Davidson	Sep 29, 2026	Initiates	Neutral	$24.00	53%
Keefe, Bruyette & Woods	Jul 31, 2026	Maintains	Market Perform	$21.00 → $24.00	63%
Piper Sandler	Jul 30, 2026	Maintains	Overweight	$21.00 → $25.00	46%
RBC Capital	Jul 30, 2026	Maintains	Outperform	$23.00 → $24.00	63%
Keefe, Bruyette & Woods	Jan 29, 2026	Maintains	Market Perform	$19.00 → $20.00	63%
Raymond James	Jan 7, 2026	Upgrade	Market Perform → Outperform	$20.00	66%
Piper Sandler	Dec 17, 2025	Initiates	Overweight	$21.00	46%

The case for and against

Updated Oct 23, 2025

Bull case

First Commonwealth Financial Corp has demonstrated notable growth in deposits, registering an 8% increase quarter-over-quarter, largely due to significant contributions from savings accounts (+17% LQA) and non-interest-bearing deposits (+4% LQA). Furthermore, the company's loan portfolio experienced a solid uptick of 5% LQA, driven predominantly by commercial lending, which accounted for 64% of net growth and was bolstered by strong momentum in the loan pipeline. Additionally, the recent acquisition of CenterBank is expected to enhance First Commonwealth's commercial focus and scale, further supporting a positive outlook for the company's financial performance.

Bear case

First Commonwealth Financial Corp exhibits concerns related to its asset sensitivity, with loan yields experiencing a marginal decline of 5 basis points quarter-over-quarter, despite some new loan yields exceeding roll-off yields. The company's financial outlook is further clouded by risks associated with potential slowdowns in loan growth, adverse credit trends within the Mid-Atlantic region, and ongoing volatility in interest rates. Such factors could jeopardize the achievement of favorable earnings expectations and ultimately impact the company's financial stability.

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