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Upturn AI SWOT - About
FCF 
First Commonwealth Financial (FCF)
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Upturn Advisory Summary
04/01/2025: FCF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -21.23% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.59B USD | Price to earnings Ratio 11.22 | 1Y Target Price 19.8 |
Price to earnings Ratio 11.22 | 1Y Target Price 19.8 | ||
Volume (30-day avg) 831354 | Beta 0.82 | 52 Weeks Range 12.02 - 19.81 | Updated Date 04/2/2025 |
52 Weeks Range 12.02 - 19.81 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 3.34% | Basic EPS (TTM) 1.39 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.79% | Operating Margin (TTM) 42.72% |
Management Effectiveness
Return on Assets (TTM) 1.24% | Return on Equity (TTM) 10.48% |
Valuation
Trailing PE 11.22 | Forward PE 10.73 | Enterprise Value 1842372096 | Price to Sales(TTM) 3.54 |
Enterprise Value 1842372096 | Price to Sales(TTM) 3.54 | ||
Enterprise Value to Revenue 3.98 | Enterprise Value to EBITDA - | Shares Outstanding 101781000 | Shares Floating 99180131 |
Shares Outstanding 101781000 | Shares Floating 99180131 | ||
Percent Insiders 1.98 | Percent Institutions 76.61 |
Analyst Ratings
Rating 3.83 | Target Price 20.3 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Commonwealth Financial
Company Overview
History and Background
First Commonwealth Financial Corporation was founded in 1982 and is headquartered in Indiana, Pennsylvania. It has grown through acquisitions and organic growth, becoming a leading financial services company in western and central Pennsylvania.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and other financial services.
- Commercial Banking: Offers lending, treasury management, and other financial solutions to businesses.
- Wealth Management: Provides wealth management, trust, and investment services to individuals and families.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure consists of various departments and divisions responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing to businesses for various purposes, including working capital, equipment purchases, and real estate. Market share data is not publicly available. Competitors include PNC, FNB, and S&T Bancorp.
- Residential Mortgages: Offer mortgage loans to individuals for purchasing or refinancing homes. Market share data is not publicly available. Competitors include PNC, FNB, and local credit unions.
- Deposit Accounts: Provide checking, savings, and money market accounts to individuals and businesses. Market share data is not publicly available. Competitors include PNC, FNB, and local banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations. Regional banks face competition from larger national banks and fintech companies.
Positioning
First Commonwealth Financial positions itself as a community-focused bank with a strong presence in western and central Pennsylvania. Its competitive advantages include local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in First Commonwealth's geographic footprint is estimated to be in the billions of dollars. First Commonwealth is positioned to capture a portion of this TAM through its community-focused approach and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in Pennsylvania
- Customer-focused approach
- Diversified product offerings
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger national banks
- Reliance on traditional banking model
Opportunities
- Expansion into new markets within Pennsylvania
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions of smaller banks or credit unions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and economic uncertainty
- Regulatory changes and compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC Financial Services Group (PNC)
- F.N.B. Corporation (FNB)
- S&T Bancorp (STBA)
Competitive Landscape
First Commonwealth faces intense competition from larger national and regional banks. Its advantages include a strong community focus and local market knowledge, while its disadvantages include a smaller scale and limited geographic diversification.
Major Acquisitions
Duke LifePoint Healthcare
- Year: 2017
- Acquisition Price (USD millions): 29
- Strategic Rationale: Expands health care services.
Growth Trajectory and Initiatives
Historical Growth: This data requires accessing real-time financial data. Please check SEC filings.
Future Projections: Analyst estimates vary but generally project modest growth for First Commonwealth Financial, driven by organic growth and potential acquisitions.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
First Commonwealth Financial is a regional bank with a solid presence in Pennsylvania. Its focus on community banking and diversified services are strengths, but faces challenges from larger competitors and evolving technology. It needs to adapt to digital advancements and manage interest rate risks while leveraging its local expertise. Recent acquisitions may lead to more growth.
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Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports (where available)
- FDIC Data
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is based on available information and may not be precise. Financial data requires accessing real-time financial data. Please check SEC filings. The AI-based rating is an estimate and should not be the sole basis for investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Commonwealth Financial
Exchange NYSE | Headquaters Indiana, PA, United States | ||
IPO Launch date 1992-01-19 | President, CEO & Director Mr. Thomas Michael Price | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1485 | Website https://www.fcbanking.com |
Full time employees 1485 | Website https://www.fcbanking.com | ||
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking 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 cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection and IRA accounts. Its commercial banking services comprise commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate loans, real estate construction loans, residential real estate loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.
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