First Commonwealth Financial, Corp. (FCF)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$21.34+0.85%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FCF
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks FCF against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on growing net income and core diluted earnings per share through profitable loan growth, margin expansion, and operating leverage.
Stated as a priority in 2 of last 2 quarters. Net income increased from $37.5 million in 2026-Q1 to $44.6 million in 2026-Q2, and core diluted EPS rose from $0.37 to $0.44. Management's statements and financial results show delivering on earnings growth and margin expansion.
“We successfully balanced profitable loan growth with disciplined funding costs, supporting continued margin expansion and meaningful earnings growth.”
“Looking ahead, we are confident in our positioning across our core businesses, and expect continued momentum as we progress through the year.”
Sustain and grow the quarterly cash dividend to shareholders as part of disciplined capital allocation.
Stated in 2 of last 2 quarters. Dividend per share increased from $0.135 in 2026-Q1 to $0.14 in 2026-Q2, reflecting management's commitment to growing shareholder returns. The trajectory is delivering consistent dividend growth.
Continue share repurchases with a disciplined approach to capital allocation, including recent authorization of additional repurchase capacity.
Stated in 2 of last 2 quarters. Share repurchases totaled 1,284,457 shares in 2026-Q1 and 645,695 shares in 2026-Q2, with remaining capacity declining from $18.4 million to $13.0 million. The Board authorized an additional $75 million program in 2026-Q2, showing ongoing disciplined capital allocation and delivering on repurchase execution.
Strengthen technology leadership and digital strategy through executive appointment and enterprise transformation initiatives.
Newly stated in 2026-Q2 via April 2026 appointment announcement. This executive hire signals management's focus on enhancing technology and digital capabilities. No direct financial metrics yet available to assess delivery.
Focus on reducing nonperforming loans and managing provision and net charge-offs to maintain asset quality.
Over the trailing year it converted 1.48x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
12 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.
“Declared quarterly dividend of $0.14 per share, a 3.7% increase from 2Q25.”
“Declared quarterly dividend of $0.14 per share, a 3.7% increase from prior quarter.”
“Board authorized an additional $75 million share repurchase program; $13 million remaining capacity as of June 30, 2026.”
“1,284,457 shares repurchased during 2026-Q1 under authorized programs; $18.4 million remaining capacity as of March 31, 2026.”