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How to buy First Commonwealth Financial Corporation stock | $12.5

Own First Commonwealth Financial Corporation stock in just a few minutes.

Fact checked

First Commonwealth Financial Corporation is a banks-regional business based in the US. First Commonwealth Financial Corporation shares (FCF) are listed on the NYSE and all prices are listed in US Dollars. First Commonwealth Financial Corporation employs 1,399 staff and has a trailing 12-month revenue of around USD$305.3 million.

How to buy shares in First Commonwealth Financial Corporation

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for First Commonwealth Financial Corporation. Find the stock by name or ticker symbol: FCF. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until First Commonwealth Financial Corporation reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. At last close price of USD$12.5, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of First Commonwealth Financial Corporation, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of First Commonwealth Financial Corporation. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

First Commonwealth Financial Corporation share price

Use our graph to track the performance of FCF stocks over time.

First Commonwealth Financial Corporation shares at a glance

Information last updated 2020-12-27.
Latest market closeUSD$12.5
52-week rangeUSD$6.5887 - USD$13.9779
50-day moving average USD$10.1921
200-day moving average USD$8.6404
Wall St. target priceUSD$10.5
PE ratio 14.0263
Dividend yield USD$0.44 (4.13%)
Earnings per share (TTM) USD$0.76

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy First Commonwealth Financial Corporation stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

First Commonwealth Financial Corporation price performance over time

Historical closes compared with the close of $12.5 from 2021-01-11

1 week (2021-01-15) -1.19%
1 month (2020-12-22) 20.31%
3 months (2020-10-22) 37.67%
6 months (2020-07-22) 59.03%
1 year (2020-01-22) -11.35%
2 years (2019-01-22) -5.52%
3 years (2018-01-22) 15.1
5 years (2016-01-22) 52.63%

Is First Commonwealth Financial Corporation under- or over-valued?

Valuing First Commonwealth Financial Corporation stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of First Commonwealth Financial Corporation's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

First Commonwealth Financial Corporation's P/E ratio

First Commonwealth Financial Corporation's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 14x. In other words, First Commonwealth Financial Corporation shares trade at around 14x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

First Commonwealth Financial Corporation's PEG ratio

First Commonwealth Financial Corporation's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 3.17. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into First Commonwealth Financial Corporation's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

First Commonwealth Financial Corporation financials

Revenue TTM USD$305.3 million
Operating margin TTM 35.04%
Gross profit TTM USD$339.1 million
Return on assets TTM 0.86%
Return on equity TTM 7.06%
Profit margin 24.43%
Book value $11.088
Market capitalisation USD$1 billion

TTM: trailing 12 months

Shorting First Commonwealth Financial Corporation shares

There are currently 1.6 million First Commonwealth Financial Corporation shares held short by investors – that's known as First Commonwealth Financial Corporation's "short interest". This figure is 9.9% up from 1.4 million last month.

There are a few different ways that this level of interest in shorting First Commonwealth Financial Corporation shares can be evaluated.

First Commonwealth Financial Corporation's "short interest ratio" (SIR)

First Commonwealth Financial Corporation's "short interest ratio" (SIR) is the quantity of First Commonwealth Financial Corporation shares currently shorted divided by the average quantity of First Commonwealth Financial Corporation shares traded daily (recently around 434761.09589041). First Commonwealth Financial Corporation's SIR currently stands at 3.65. In other words for every 100,000 First Commonwealth Financial Corporation shares traded daily on the market, roughly 3650 shares are currently held short.

However First Commonwealth Financial Corporation's short interest can also be evaluated against the total number of First Commonwealth Financial Corporation shares, or, against the total number of tradable First Commonwealth Financial Corporation shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case First Commonwealth Financial Corporation's short interest could be expressed as 0.02% of the outstanding shares (for every 100,000 First Commonwealth Financial Corporation shares in existence, roughly 20 shares are currently held short) or 0.0228% of the tradable shares (for every 100,000 tradable First Commonwealth Financial Corporation shares, roughly 23 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against First Commonwealth Financial Corporation.

Find out more about how you can short First Commonwealth Financial Corporation stock.

First Commonwealth Financial Corporation share dividends

55%

Dividend payout ratio: 55% of net profits

Recently First Commonwealth Financial Corporation has paid out, on average, around 55% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.13% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), First Commonwealth Financial Corporation shareholders could enjoy a 4.13% return on their shares, in the form of dividend payments. In First Commonwealth Financial Corporation's case, that would currently equate to about $0.44 per share.

First Commonwealth Financial Corporation's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

First Commonwealth Financial Corporation's most recent dividend payout was on 20 November 2020. The latest dividend was paid out to all shareholders who bought their shares by 5 November 2020 (the "ex-dividend date").

Have First Commonwealth Financial Corporation's shares ever split?

First Commonwealth Financial Corporation's shares were split on a 2:1 basis on 19 November 1999. So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your First Commonwealth Financial Corporation shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for First Commonwealth Financial Corporation shares which in turn could have impacted First Commonwealth Financial Corporation's share price.

First Commonwealth Financial Corporation share price volatility

Over the last 12 months, First Commonwealth Financial Corporation's shares have ranged in value from as little as $6.5887 up to $13.9779. A popular way to gauge a stock's volatility is its "beta".

FCF.US volatility(beta: 1.11)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while First Commonwealth Financial Corporation's is 1.1081. This would suggest that First Commonwealth Financial Corporation's shares are a little bit more volatile than the average for this exchange and represent, relatively-speaking, a slightly higher risk (but potentially also market-beating returns).

First Commonwealth Financial Corporation overview

First Commonwealth Financial Corporation, through its subsidiaries, provides consumer and commercial banking services to individuals, and small and mid-sized businesses in the United States. Its consumer services include 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, IRA accounts, and automated teller machine (ATM) services, as well as Internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. It also 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. As of October 27, 2020, the company operated 147 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio. It also leases three mortgage loan production offices and four corporate loan production offices, as well as operates a network of 163 automated teller machines. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.

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