First Commonwealth Financial Net Income
| FCF Stock | USD 18.26 0.12 0.65% |
As of the 19th of February, First Commonwealth shows the Mean Deviation of 1.03, coefficient of variation of 608.57, and Downside Deviation of 1.16. First Commonwealth technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices. Please confirm First Commonwealth treynor ratio, as well as the relationship between the potential upside and expected short fall to decide if First Commonwealth is priced favorably, providing market reflects its regular price of 18.26 per share. Given that First Commonwealth has jensen alpha of 0.1954, we urge you to verify First Commonwealth Financial's prevailing market performance to make sure the company can sustain itself at a future point.
First Commonwealth Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.3963 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 164 M | 172.2 M | |
| Net Income Applicable To Common Shares | 152.3 M | 77.8 M | |
| Net Income From Continuing Ops | 164 M | 90.5 M | |
| Net Income Per Share | 1.48 | 1.55 | |
| Net Income Per E B T | 0.80 | 0.62 |
First | Net Income | Build AI portfolio with First Stock |
The Net Income trend for First Commonwealth Financial offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether First Commonwealth is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest First Commonwealth's Net Income Growth Pattern
Below is the plot of the Net Income of First Commonwealth Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in First Commonwealth financial statement analysis. It represents the amount of money remaining after all of First Commonwealth Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is First Commonwealth's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in First Commonwealth's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 142.57 M | 10 Years Trend |
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Net Income |
| Timeline |
First Net Income Regression Statistics
| Arithmetic Mean | 87,837,124 | |
| Geometric Mean | 71,358,333 | |
| Coefficient Of Variation | 57.92 | |
| Mean Deviation | 45,697,190 | |
| Median | 73,447,000 | |
| Standard Deviation | 50,878,279 | |
| Sample Variance | 2588.6T | |
| Range | 144.6M | |
| R-Value | 0.96 | |
| Mean Square Error | 234.3T | |
| R-Squared | 0.92 | |
| Slope | 9,638,436 | |
| Total Sum of Squares | 41417.6T |
First Net Income History
Other Fundumenentals of First Commonwealth
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
First Commonwealth Net Income component correlations
First Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for First Commonwealth is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Net Income. Since First Commonwealth's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First Commonwealth's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First Commonwealth's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Regional Banks industry sustain growth momentum? Does First have expansion opportunities? Factors like these will boost the valuation of First Commonwealth. Market participants price First higher when confident in its future expansion prospects. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating First Commonwealth demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.229 | Dividend Share 0.54 | Earnings Share 1.48 | Revenue Per Share | Quarterly Revenue Growth 0.148 |
Understanding First Commonwealth requires distinguishing between market price and book value, where the latter reflects First's accounting equity. The concept of intrinsic value - what First Commonwealth's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Market sentiment, economic cycles, and investor behavior can push First Commonwealth's price substantially above or below its fundamental value.
Please note, there is a significant difference between First Commonwealth's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Commonwealth is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, First Commonwealth's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
First Commonwealth 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to First Commonwealth's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of First Commonwealth.
| 11/21/2025 |
| 02/19/2026 |
If you would invest 0.00 in First Commonwealth on November 21, 2025 and sell it all today you would earn a total of 0.00 from holding First Commonwealth Financial or generate 0.0% return on investment in First Commonwealth over 90 days. First Commonwealth is related to or competes with Northwest Bancshares, ST Bancorp, Stellar Bancorp, City Holding, First Merchants, Foreign Trade, and 1st Source. First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking ... More
First Commonwealth Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure First Commonwealth's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess First Commonwealth Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.16 | |||
| Information Ratio | 0.131 | |||
| Maximum Drawdown | 8.06 | |||
| Value At Risk | (1.39) | |||
| Potential Upside | 2.94 |
First Commonwealth Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for First Commonwealth's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as First Commonwealth's standard deviation. In reality, there are many statistical measures that can use First Commonwealth historical prices to predict the future First Commonwealth's volatility.| Risk Adjusted Performance | 0.1344 | |||
| Jensen Alpha | 0.1954 | |||
| Total Risk Alpha | 0.1552 | |||
| Sortino Ratio | 0.1577 | |||
| Treynor Ratio | 0.3274 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of First Commonwealth's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
First Commonwealth February 19, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1344 | |||
| Market Risk Adjusted Performance | 0.3374 | |||
| Mean Deviation | 1.03 | |||
| Semi Deviation | 0.898 | |||
| Downside Deviation | 1.16 | |||
| Coefficient Of Variation | 608.57 | |||
| Standard Deviation | 1.4 | |||
| Variance | 1.96 | |||
| Information Ratio | 0.131 | |||
| Jensen Alpha | 0.1954 | |||
| Total Risk Alpha | 0.1552 | |||
| Sortino Ratio | 0.1577 | |||
| Treynor Ratio | 0.3274 | |||
| Maximum Drawdown | 8.06 | |||
| Value At Risk | (1.39) | |||
| Potential Upside | 2.94 | |||
| Downside Variance | 1.35 | |||
| Semi Variance | 0.8064 | |||
| Expected Short fall | (1.27) | |||
| Skewness | 0.423 | |||
| Kurtosis | 1.82 |
First Commonwealth Backtested Returns
First Commonwealth appears to be very steady, given 3 months investment horizon. First Commonwealth secures Sharpe Ratio (or Efficiency) of 0.18, which denotes the company had a 0.18 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for First Commonwealth Financial, which you can use to evaluate the volatility of the firm. Please utilize First Commonwealth's Coefficient Of Variation of 608.57, downside deviation of 1.16, and Mean Deviation of 1.03 to check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, First Commonwealth holds a performance score of 14. The firm shows a Beta (market volatility) of 0.67, which means possible diversification benefits within a given portfolio. As returns on the market increase, First Commonwealth's returns are expected to increase less than the market. However, during the bear market, the loss of holding First Commonwealth is expected to be smaller as well. Please check First Commonwealth's expected short fall, day median price, and the relationship between the potential upside and accumulation distribution , to make a quick decision on whether First Commonwealth's price patterns will revert.
Auto-correlation | 0.62 |
Good predictability
First Commonwealth Financial has good predictability. Overlapping area represents the amount of predictability between First Commonwealth time series from 21st of November 2025 to 5th of January 2026 and 5th of January 2026 to 19th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of First Commonwealth price movement. The serial correlation of 0.62 indicates that roughly 62.0% of current First Commonwealth price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.62 | |
| Spearman Rank Test | 0.56 | |
| Residual Average | 0.0 | |
| Price Variance | 0.37 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
First Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, First Commonwealth Financial reported net income of 142.57 M. This is 88.84% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 75.03% higher than that of the company.
First Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses First Commonwealth's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of First Commonwealth could also be used in its relative valuation, which is a method of valuing First Commonwealth by comparing valuation metrics of similar companies.First Commonwealth is currently under evaluation in net income category among its peers.
First Commonwealth ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First Commonwealth's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First Commonwealth's managers, analysts, and investors.Environmental | Governance | Social |
First Commonwealth Institutional Holders
Institutional Holdings refers to the ownership stake in First Commonwealth that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of First Commonwealth's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Commonwealth's value.| Shares | Northern Trust Corp | 2025-06-30 | 1.4 M | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 1.3 M | Waldron, Lp | 2025-06-30 | 1.2 M | First Commonwealth Financial Corp | 2025-06-30 | 1 M | Bank Of New York Mellon Corp | 2025-06-30 | 970.2 K | Jpmorgan Chase & Co | 2025-06-30 | 649.2 K | Amvescap Plc. | 2025-06-30 | 565.6 K | Principal Financial Group Inc | 2025-06-30 | 518.4 K | Millennium Management Llc | 2025-06-30 | 512.8 K | Blackrock Inc | 2025-06-30 | 14.9 M | Vanguard Group Inc | 2025-06-30 | 11.7 M |
First Fundamentals
| Return On Equity | 0.1 | ||||
| Return On Asset | 0.0127 | ||||
| Profit Margin | 0.31 % | ||||
| Operating Margin | 0.46 % | ||||
| Current Valuation | 2.1 B | ||||
| Shares Outstanding | 102.84 M | ||||
| Shares Owned By Insiders | 2.07 % | ||||
| Shares Owned By Institutions | 77.13 % | ||||
| Number Of Shares Shorted | 1.7 M | ||||
| Price To Earning | 13.26 X | ||||
| Price To Book | 1.22 X | ||||
| Price To Sales | 3.90 X | ||||
| Revenue | 729.44 M | ||||
| Gross Profit | 485.53 M | ||||
| EBITDA | 204.68 M | ||||
| Net Income | 142.57 M | ||||
| Cash And Equivalents | 180.77 M | ||||
| Cash Per Share | 1.94 X | ||||
| Total Debt | 409.71 M | ||||
| Debt To Equity | 8.13 % | ||||
| Book Value Per Share | 15.16 X | ||||
| Cash Flow From Operations | 129.46 M | ||||
| Short Ratio | 2.61 X | ||||
| Earnings Per Share | 1.48 X | ||||
| Price To Earnings To Growth | 3.17 X | ||||
| Target Price | 20.33 | ||||
| Number Of Employees | 1.57 K | ||||
| Beta | 0.79 | ||||
| Market Capitalization | 1.89 B | ||||
| Total Asset | 12.34 B | ||||
| Retained Earnings | 971.08 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 3.16 % | ||||
| Net Asset | 12.34 B | ||||
| Last Dividend Paid | 0.54 |
About First Commonwealth Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze First Commonwealth Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First Commonwealth using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First Commonwealth Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Can Regional Banks industry sustain growth momentum? Does First have expansion opportunities? Factors like these will boost the valuation of First Commonwealth. Market participants price First higher when confident in its future expansion prospects. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating First Commonwealth demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.229 | Dividend Share 0.54 | Earnings Share 1.48 | Revenue Per Share | Quarterly Revenue Growth 0.148 |
Understanding First Commonwealth requires distinguishing between market price and book value, where the latter reflects First's accounting equity. The concept of intrinsic value - what First Commonwealth's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Market sentiment, economic cycles, and investor behavior can push First Commonwealth's price substantially above or below its fundamental value.
Please note, there is a significant difference between First Commonwealth's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Commonwealth is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, First Commonwealth's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.