Insider buying last 90 days
No open-market insider purchases were filed for FCF in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every FCF insider filing, plotted on the chart in Gekko.Open FCF in Gekko
Gekko Brief
AI summaryOct 12 closeThis week's coverage centers on First Commonwealth Financial Corporation's upcoming third-quarter 2026 results, with the earnings call confirmed for October 28 following the release after market close on October 27. A separate note highlights a consensus "Moderate Buy" rating with an average 12-month price target of $24.20 from six research firms, pointing back to the prior quarter's $0.44 EPS beat and a $0.14 quarterly dividend. A Form 4 filing dated October 11 was also disclosed, reflecting a change in insider ownership.
FCF closed at $20.05, up 0.8%, sitting between its 50-day average of $20.98 and 200-day average of $19.19. The one-month return stands at -5.9%, while the six-month and one-year returns are 6.5% and 20.8% respectively. The GekkoIndex reads 64.8, placing the stock in the Accumulation zone, with a five-day change of 0.5. Gekko Fair Value is set at $22.23, putting the current price 9.8% below that level.
Earnings are due on 27 October, 15 days away, falling inside a typical 20-trading-day holding window and historically producing an average absolute reaction of 2%, with the last report drawing a 4.4% move. No insider, Congress, or unusual options activity appears in the respective 90-day and 30-day windows. Seasonality from this point in the calendar has averaged a 7.9% move over the next 20 trading days across 5 years, with gains in 4 of those years. Analyst coverage from 5 firms shows 3 buy and 2 hold ratings, with a consensus target of $24.07 implying 20% upside.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
First price vs fair value
Close $20.05200-day averageGekko Fair Value $22.23
First quick facts
- Market cap
- $2.04B
- P/E ratio
- 12.3
- Forward P/E
- 10.6
- EPS, TTM
- $1.63
- Revenue, TTM
- $507.1M
- Profit margin
- 33.2%
- Dividend yield
- 2.77%
- Beta
- 0.75
- Volume
- 608,002 avg 1.13M
- 1-year return
- +20.8%
- Typical daily move
- ±1.8%
- Typical 20-day move
- ±5.1%
- 50-day average
- $20.98
- 200-day average
- $19.19
- Next earnings
- Oct 27
- Shares outstanding
- 101.1M
First swing-trade checklist
First scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $20.05 sits between the 50-day ($20.98) and 200-day ($19.19) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
64.8, Accumulation
Reading 64.8 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
9.8% below
Price is 9.8% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 15 days
Reports on Oct 27, 2026, 15 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+7.9% on average
From this point in the calendar, the next 20 trading days averaged +7.9% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
First stock chart and price history
First closed at $20.05 on Oct 12, 2026, +20.8% over the past year, inside a 52-week range of $15.00 to $22.34.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −5.9%
- 3 months
- −1.8%
- 6 months
- +6.5%
- 1 year
- +20.8%
The full FCF chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open FCF in Gekko
Follow First through every session
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About First
First operates as a financial holding company offering a broad range of banking services to individuals and businesses across the United States. On the consumer side, it provides everyday banking tools such as online, mobile, and telephone access, ATM service, checking and savings accounts, debit and credit cards, certificates of deposit, mortgages, installment loans, and retirement accounts. It is recognized for combining these retail banking functions with a wider set of financial offerings under one roof.
Beyond personal banking, First serves business customers through commercial lending and leasing, business checking, cash management, payroll deposit, and ACH origination services. It also extends into wealth-related areas, offering trust and asset management, insurance products covering auto, home, business, and life coverage, and investment services including annuities, mutual funds, and brokerage access through affiliated dealers and agents. Its lending activity further covers commercial and residential real estate, construction financing, and loans tied to agricultural and other financial needs.
The company was established in 1934 and is based in Indiana, Pennsylvania. Its shares trade on the NYSE under the ticker FCF.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Regional banks
- Website
- fcbanking.com
First GekkoIndex: the smart money zone
First’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 64.8, in the Accumulation zone, up 0.5 points over five sessions.
64.8Accumulation
Up 0.5 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 40 | +1.5% | +4.3% | ||
| Accumulation (current zone) | 189 | +0.2% | +2.4% | ||
| Neutral | 411 | +0.3% | +1.3% | ||
| Distribution | 40 | −0.6% | −4.3% | ||
| Selling | 2 | Too few readings yet | |||
Average FCF share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the FCF price, zone by zone.Track FCF in Gekko
Is First stock overvalued? Gekko Fair Value
First trades 9.8% below Gekko Fair Value of $22.23, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what First shares are worth, recalculated every trading day.
$22.23
Gekko Fair Value, Oct 10, 2026
9.8% Undervalued
At the end of Aug 2026 the price was 9.9% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open FCF in Gekko
First insider and Congress trading
No open-market insider purchases were filed for First, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in FCF were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for FCF, plotted on the chart in Gekko.Open FCF in Gekko
Buybacks
First has been buying back its own shares.
- Latest authorization
- $75.00M, Jul 28, 2026
- Bought back, quarter ended Jun 30, 2026
- $12.06M
- As a share of market cap
- 0.59%
- Trailing four quarters
- $70.35M
From company filings.
First earnings: next date and track record
First reports on Oct 27, 2026 (15 days away), and beat the EPS estimate in 3 of its last 8 reports.
Next earnings report
Oct 27, 2026
15 days away
- EPS estimate
- $0.46
- Revenue estimate
- $141.4M
3 of 8reports beat the EPS estimate
±2%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 28, 2026 AI summary
- What they said
- First Commonwealth Financial reported Q2 2026 core EPS of $0.44, up $0.07 from Q1, with core ROAA of 1.46% and net interest margin expanding 9 basis points to 4.01%. Loan growth was 1.97% annualized despite record commercial payoffs of ~$740M. Fee income rose $2.3M quarter-over-quarter, driven by BOLI claims and debt redemption gains. Credit quality improved modestly with lower nonperforming loan balances.
- Guidance
- Management expects net loan growth to return toward mid-single-digit targets in H2 2026 as payoffs normalize. NIM is projected to remain in the low 4% range, benefiting from the rate environment but facing pressure from increased deposit competition.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 28, 2026 | $0.44 est $0.42 | $139.4M est $137.5M | +4.4% |
| Apr 28, 2026 | $0.37 est $0.42 | $133.7M est $134.3M | −1.4% |
| Jan 27, 2026 | $0.43 est $0.42 | $137.8M est $135.6M | +0.4% |
| Oct 28, 2025 | $0.39 est $0.41 | $136.0M est $138.0M | −5.0% |
| Jul 29, 2025 | $0.38 est $0.34 | $130.9M est $134.0M | +0.2% |
| Apr 29, 2025 | $0.32 est $0.32 | $118.0M est $121.3M | +0.1% |
| Jan 28, 2025 | $0.35 est $0.36 | $120.4M est $119.9M | −3.6% |
| Oct 29, 2024 | $0.31 est $0.36 | $121.2M est $119.4M | −1.2% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
First stock forecast and analyst price targets
Analysts’ average 12-month price target for First is $24.07, +20.0% from the last close, from 5 firms rating the stock in the last 90 days.
$24.07consensus 12-month target, +20.0% from the last close
Now $20.05Avg $24.07
Low $24High $25
Each firm’s latest rating in the last 90 days: 5 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 28 | D.A. Davidson | $24 | +19.7% |
| Jul 31 | Raymond James | $24 | +19.7% |
| Jul 31 | KBW | $24 | +19.7% |
| Jul 30 | RBC Capital | $24 | +19.7% |
| Jul 30 | Piper Sandler | $25 | +24.7% |
+2.4%average 20-day move after past Accumulation readings
+7.9%average move over the next 20 trading days in the last 5 years
±1.8%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
First seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, First averaged +7.9% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +2.7% | 3 of 5 |
| Next 10 trading days | +1.8% | 4 of 5 |
| Next 15 trading days | +2.9% | 3 of 5 |
| Next 20 trading days | +7.9% | 4 of 5 |
| Next 30 trading days | +8.7% | 5 of 5 |
For scale, FCF’s typical 20-trading-day move in either direction is about 5.1%.
First market cap and key statistics
First’s market cap is $2.04B, with a P/E ratio of 12.3 and revenue of $507.1M over the last twelve months.
Valuation
- Market cap
- $2.04B
- P/E ratio
- 12.3
- Forward P/E
- 10.6
- EPS, TTM
- $1.63
- Gekko Fair Value
- $22.23
Trading
- Volume
- 608,002
- Avg volume, 20 days
- 1.13M
- 52-week high
- $22.34
- 52-week low
- $15.00
- Shares outstanding
- 101.1M
Financials
- Revenue, TTM
- $507.1M
- Profit margin
- 33.2%
- Return on equity
- 10.9%
- Quarterly earnings growth, YoY
- +37.5%
Risk and income
- Beta
- 0.75
- Typical daily move
- ±1.8%
- Typical 20-day move
- ±5.1%
- Dividend yield
- 2.77%
First stock news this week
Coverage of First this week reads neutral: 2 positive, 6 neutral and 2 negative headlines.
- Form 4 First Commonwealth Financial Corp For: 11 October By Investing.comInvesting.com Nigeria, Oct 12
- First Commonwealth Financial Corporation to Host Third Quarter 2026 Earnings Conference Call and WebcastQuiver Quantitative, Oct 10
- First Commonwealth Q3FY26 Results: Earnings call set for October 28, 2026scanx.trade, Oct 10
- First Commonwealth schedules Q3 2026 earnings c...Pluang, Oct 9
- Third-quarter results are due after the Oct. 27 close; First Commonwealth's call is the next day.Stock Titan, Oct 9
- Why Central Ohio companies turn to First Commonwealth Bank for more than bankingThe Business Journals, Oct 7
First peers
First’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 5.7% below |
| USBU.S. Bancorp | Accumulation | 11.0% below |
| NUNu | Neutral | 0.7% below |
| TFCTruist Financial | Accumulation | 9.6% below |
| FITBFifth Third Bancorp | Accumulation | 11.2% below |
| MTBM&T Bank | Accumulation | 9.1% below |
A peer links to its own page where one exists.
First stock FAQ
What is First’s market cap?
First’s market cap is $2.04B at the Oct 12, 2026 close of $20.05, with 101.1M shares outstanding. The shares trade on a P/E ratio of 12.3.
What is the First stock forecast?
The consensus analyst 12-month price target for First is $24.07, +20.0% from the last close. Of the 5 firms that rated the stock in the last 90 days, 3 rate it a buy, 2 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is First stock overvalued or undervalued?
On Gekko’s estimate First is undervalued: the Oct 12, 2026 close of $20.05 is 9.8% below Gekko Fair Value of $22.23. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does First report earnings next?
First is expected to report on Oct 27, 2026 (15 days away). Analysts expect earnings of $0.46 per share on revenue of $141.4M. First beat the earnings estimate in 3 of its last 8 reports, moving 2% on average across the report.
What is First’s 52-week high and low?
First’s 52-week high is $22.34 and its 52-week low is $15.00; it closed at $20.05 on Oct 12, 2026, +20.8% over the past year.
Is First stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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