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    First Commonwealth Financial (FCF)

    Market Price (7/22/2026): $20.97 | Market Cap: $2.1 BilSector: Financials | Industry: Regional Banks

    First Commonwealth Financial (FCF)

    Market Price (7/22/2026): $20.97
    Market Cap: $2.1 Bil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10.0%, Dividend Yield is 2.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.5%, FCF Yield is 9.5%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -55%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38%

    Low stock price volatility
    Vol 12M is 22%

    Uninsured deposits are low
    Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 26%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more.

    Trading close to highs
    Dist 52W High is -1.7%, Dist 3Y High is -1.7%

    Moderate capital ratio
    Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11%

    Key risks
    FCF key risks include [1] deteriorating credit quality, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10.0%, Dividend Yield is 2.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.5%, FCF Yield is 9.5%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -55%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38%
    3 Low stock price volatility
    Vol 12M is 22%
    4 Uninsured deposits are low
    Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 26%
    5 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more.
    6 Trading close to highs
    Dist 52W High is -1.7%, Dist 3Y High is -1.7%
    7 Moderate capital ratio
    Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11%
    8 Key risks
    FCF key risks include [1] deteriorating credit quality, Show more.

    FCF in ETFs

    Weight = FCF's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.07%
    IJR0.12%
    VYM0.01%
    VB0.02%
    KRE0.49%
    SLYV0.23%
    +12 more covered ETFs

    Valuation & Metrics

    FYE: 12/31FCF [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$538.4 Mil—
    FY 2026 Sales$556.6 Mil—
    FY 2027 Sales$591.5 Mil—
    FY 2026 Sales Growth3.4%—
    FY 2027 Sales Growth6.3%8.2%
    EARNINGS
    LTM Net Income (GAAP) [3]$157.2 Mil—
    FY 2026 Net Income (Non-GAAP)$174.4 Mil—
    FY 2027 Net Income (Non-GAAP)$205.2 Mil—
    FY 2027 Net Income Growth17.6%16.4%
    FY 2026 EPS (Non-GAAP)$1.72—
    FY 2027 EPS (Non-GAAP)$1.97—
    FY 2027 EPS Growth14.1%—
    VALUATION
    FY 2026 P/S3.83.2
    FY 2027 P/S3.6—
    FY 2026 P/E12.319.6
    FY 2027 P/E10.4—

    [1] FCF forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 7/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    FCFS&P 500
    REVENUE GROWTHGOOD
    Rev LTM ($ Bil)0.5
    Rev Chg Q13.2%8.9%
    Rev Chg LTM12.2%7.5%
    Rev Chg 3Y Avg7.4%5.9%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.2
    Net Inc LTM ($ Bil)0.2
    CFO/Rev LTM40.6%21.4%
    Net Inc Mgn29.2%13.0%
    VALUATIONLOW
    P/S4.03.3
    P/CFO9.815.2
    P/FCF10.520.0
    P/E13.624.3

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Community Banking Offices12711072025Link
    Number of Employees (Full-Time Equivalent)15489302025Link
    Assets Under ManagementApproximately $2 billion11072025Link
    Core Efficiency Ratio52.3%9302025Link
    Net Interest Margin (FTE)3.92%9302025Link
    Total Interest-Earning Assets (FTE)$11.29 billion9302025Link
    Number of States of Operation211072025Link
    Number of Branches in Pennsylvania10111072025Link
    Number of Branches in Ohio2611072025Link

    Price Chart

    Upcoming
    7/28/2026Earnings ReleaseRev: $137 Mil (E)
    EPS: $0.42 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 7/1/2026

    First Commonwealth Financial (FCF) stock has gained about 20% since 3/31/2026 because of the following key factors:

    1. Sustained Dividend Growth and Shareholder Returns.

    First Commonwealth Financial announced a 3.7% increase in its quarterly cash dividend to $0.14 per share for fiscal Q1 2026, payable on May 22, 2026. This marks the ninth consecutive year the company has raised its dividend, reinforcing a shareholder-friendly approach and signaling financial stability despite missing analyst estimates for diluted earnings per share ($0.37 reported vs. $0.40 estimated) and revenue ($133.6 million reported vs. $134.3 million estimated) in the same quarter.

    2. Positive Analyst Sentiment and Undervaluation.

    Despite the Q1 2026 earnings and revenue miss, analyst sentiment remained largely positive, with a consensus "Buy" rating for FCF. Analysts polled by S&P Global assigned an average price target of $20.83, implying a potential 6.66% upside from its June 2026 trading price. InvestingPro analysis also indicated that the stock appeared undervalued relative to its Fair Value, suggesting further growth potential.

    Show more
    Updated on 7/1/2026

    First Commonwealth Financial (FCF) stock has gained about 20% since 3/31/2026 because of the following key factors:

    1. Sustained Dividend Growth and Shareholder Returns.

    First Commonwealth Financial announced a 3.7% increase in its quarterly cash dividend to $0.14 per share for fiscal Q1 2026, payable on May 22, 2026. This marks the ninth consecutive year the company has raised its dividend, reinforcing a shareholder-friendly approach and signaling financial stability despite missing analyst estimates for diluted earnings per share ($0.37 reported vs. $0.40 estimated) and revenue ($133.6 million reported vs. $134.3 million estimated) in the same quarter.

    2. Positive Analyst Sentiment and Undervaluation.

    Despite the Q1 2026 earnings and revenue miss, analyst sentiment remained largely positive, with a consensus "Buy" rating for FCF. Analysts polled by S&P Global assigned an average price target of $20.83, implying a potential 6.66% upside from its June 2026 trading price. InvestingPro analysis also indicated that the stock appeared undervalued relative to its Fair Value, suggesting further growth potential.

    3. Resilient Regional Banking Sector Outlook.

    The broader North American banking sector demonstrated resilience during the period. S&P Global Ratings projected that North American banks would perform well over the next year, noting that banks had strengthened their balance sheets and reduced interest-rate risk following previous challenges. This positive macroeconomic backdrop for regional banks likely contributed to First Commonwealth Financial's stock appreciation.

    4. Deposit Growth and Solid Financial Health Metrics.

    In fiscal Q1 2026, First Commonwealth Financial reported an increase in average deposits by $67.1 million, or 2.7% annualized, compared to the prior quarter. The company also maintained solid financial health, achieving a return on average equity of 9.75% and a return on average assets of 1.25% during the first quarter of 2026.

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    Stock Movement Drivers

    Fundamental Drivers

    The 20.2% change in FCF stock from 3/31/2026 to 7/21/2026 was primarily driven by a 15.2% change in the company's P/E Multiple.
    (LTM values as of)33120267212026Change
    Stock Price ($)17.4520.9720.2%
    Change Contribution By: 
    Total Revenues ($ Mil)5235383.0%
    Net Income Margin (%)29.1%29.2%0.2%
    P/E Multiple11.813.615.2%
    Shares Outstanding (Mil)1031021.1%
    Cumulative Contribution20.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    3/31/2026 to 7/21/2026
    ReturnCorrelation
    FCF20.2% 
    Market (SPY)15.1%9.1%
    Sector (XLF)13.7%45.2%

    Fundamental Drivers

    The 26.2% change in FCF stock from 12/31/2025 to 7/21/2026 was primarily driven by a 12.6% change in the company's P/E Multiple.
    (LTM values as of)123120257212026Change
    Stock Price ($)16.6120.9726.2%
    Change Contribution By: 
    Total Revenues ($ Mil)5055386.5%
    Net Income Margin (%)28.4%29.2%3.0%
    P/E Multiple12.113.612.6%
    Shares Outstanding (Mil)1041022.2%
    Cumulative Contribution26.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    12/31/2025 to 7/21/2026
    ReturnCorrelation
    FCF26.2% 
    Market (SPY)10.0%21.3%
    Sector (XLF)3.0%53.5%

    Fundamental Drivers

    The 33.4% change in FCF stock from 6/30/2025 to 7/21/2026 was primarily driven by a 17.5% change in the company's P/E Multiple.
    (LTM values as of)63020257212026Change
    Stock Price ($)15.7220.9733.4%
    Change Contribution By: 
    Total Revenues ($ Mil)48053812.2%
    Net Income Margin (%)28.7%29.2%1.7%
    P/E Multiple11.613.617.5%
    Shares Outstanding (Mil)102102-0.5%
    Cumulative Contribution33.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    6/30/2025 to 7/21/2026
    ReturnCorrelation
    FCF33.4% 
    Market (SPY)22.1%26.0%
    Sector (XLF)8.4%56.1%

    Fundamental Drivers

    The 83.3% change in FCF stock from 6/30/2023 to 7/21/2026 was primarily driven by a 56.4% change in the company's P/E Multiple.
    (LTM values as of)63020237212026Change
    Stock Price ($)11.4420.9783.3%
    Change Contribution By: 
    Total Revenues ($ Mil)43653823.5%
    Net Income Margin (%)30.0%29.2%-2.6%
    P/E Multiple8.713.656.4%
    Shares Outstanding (Mil)100102-2.5%
    Cumulative Contribution83.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    6/30/2023 to 7/21/2026
    ReturnCorrelation
    FCF83.3% 
    Market (SPY)74.8%39.8%
    Sector (XLF)73.9%61.9%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    FCF Return52%-10%15%13%3%26%130%
    Peers Return36%-9%-3%27%21%16%115%
    S&P 500 Return27%-19%24%23%16%9%98%

    Monthly Win Rates [3]
    FCF Win Rate75%42%58%42%50%86% 
    Peers Win Rate72%47%47%58%58%54% 
    S&P 500 Win Rate75%42%67%75%67%43% 

    Max Drawdowns [4]
    FCF Max Drawdown-19%-25%-30%-19%-17%-12% 
    Peers Max Drawdown-18%-34%-41%-14%-27%-18% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: PNC, HBAN, KEY, CFG, FNB.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 7/21/2026 (YTD)

    How Low Can It Go

    EventFCFS&P 500
    2025 US Tariff Shock
      % Loss-14.0%-18.8%
      % Gain to Breakeven16.3%23.1%
      Time to Breakeven80 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-15.7%-9.5%
      % Gain to Breakeven18.7%10.5%
      Time to Breakeven37 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-27.8%-6.7%
      % Gain to Breakeven38.5%7.1%
      Time to Breakeven229 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-19.1%-24.5%
      % Gain to Breakeven23.6%32.4%
      Time to Breakeven126 days427 days
    2020 COVID-19 Crash
      % Loss-39.9%-33.7%
      % Gain to Breakeven66.3%50.9%
      Time to Breakeven331 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-28.7%-19.2%
      % Gain to Breakeven40.2%23.8%
      Time to Breakeven805 days105 days

    Compare to PNC, HBAN, KEY, CFG, FNB

    In The Past

    First Commonwealth Financial's stock fell -14.0% during the 2025 US Tariff Shock. Such a loss loss requires a 16.3% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventFCFS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-27.8%-6.7%
      % Gain to Breakeven38.5%7.1%
      Time to Breakeven229 days31 days
    2020 COVID-19 Crash
      % Loss-39.9%-33.7%
      % Gain to Breakeven66.3%50.9%
      Time to Breakeven331 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-28.7%-19.2%
      % Gain to Breakeven40.2%23.8%
      Time to Breakeven805 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-32.5%-17.9%
      % Gain to Breakeven48.2%21.8%
      Time to Breakeven79 days123 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-29.9%-15.4%
      % Gain to Breakeven42.6%18.2%
      Time to Breakeven185 days125 days
    2008-2009 Global Financial Crisis
      % Loss-40.7%-53.4%
      % Gain to Breakeven68.6%114.4%
      Time to Breakeven2068 days1085 days

    Compare to PNC, HBAN, KEY, CFG, FNB

    In The Past

    First Commonwealth Financial's stock fell -14.0% during the 2025 US Tariff Shock. Such a loss loss requires a 16.3% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About First Commonwealth Financial (FCF)

    First Commonwealth Financial Corporation (FCF) is a financial holding company that provides a comprehensive suite of banking and financial services. Essentially, FCF functions as a community bank, catering to the diverse financial needs of both individual consumers and commercial businesses within its operational footprint.

    The company's core offerings include traditional consumer banking services such as personal checking, savings, and money market accounts, along with various lending products like mortgage loans, installment loans, and credit cards. For businesses, FCF provides commercial lending, business checking accounts, cash management services, and online account management. Beyond conventional banking, FCF also offers trust and asset management, a range of insurance products (including auto, home, business, and life), and investment services like annuities, mutual funds, and stock and bond brokerage.

    FCF's primary market presence is concentrated across western and central Pennsylvania, and northeastern, central, and southwestern Ohio. The company maintains a significant physical footprint with 118 community banking offices, specialized corporate banking centers in key regional cities such as Pittsburgh and Columbus, and a network of 136 automated teller machines, ensuring accessible service for its local customer base.

    AI Analysis | Feedback

    Here are 1-3 brief analogies to describe First Commonwealth Financial (FCF):

    • It's a regional version of Bank of America or Wells Fargo, focused on communities in Pennsylvania and Ohio.
    • Think of it as a community-focused PNC Bank for western Pennsylvania and Ohio.

    AI Analysis | Feedback

    • Deposit Accounts: Provides various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
    • Lending Services: Offers a range of loans including mortgages, installment loans, construction and real estate loans, commercial loans, credit cards, and lines of credit.
    • Digital Banking & Payment Services: Delivers internet, mobile, telephone, and ATM banking, along with debit cards, online account management, and payment processing for businesses.
    • Wealth Management & Investment Services: Includes trust and asset management, annuities, mutual funds, and stock and bond brokerage services.
    • Insurance Services: Offers auto, home, business, and term life insurance policies.

    AI Analysis | Feedback

    First Commonwealth Financial (symbol: FCF) primarily serves individuals, households, and small to medium-sized businesses within its operational footprint. Given the difficulty in identifying specific "major customer companies" for a financial institution due to the proprietary nature of client relationships and the broad base of its commercial clientele, and considering the extensive list of consumer services provided, the company's customer base is best described by categorizing its individual customers. Here are up to three categories of individual customers that First Commonwealth Financial serves:

    1. General Consumers and Households: This category includes individuals and families who utilize the company's core banking services for everyday financial needs. These services encompass personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, ATM services, and internet/mobile banking for convenient account management.

    2. Borrowers (Mortgage & Installment): This segment comprises individuals seeking various forms of credit. It includes homeowners and aspiring homeowners utilizing mortgage loans, construction loans, and real estate loans, as well as individuals seeking secured and unsecured installment loans for personal expenses, or credit cards for revolving credit needs.

    3. Savers, Investors, and Retirees: This category focuses on individuals looking to grow and manage their wealth. They utilize services such as investment certificates, fixed and variable rate certificates of deposit, IRA accounts, and benefit from the company's trust and asset management services, annuities, mutual funds, and stock and bond brokerage services through its affiliated brokers.

    AI Analysis | Feedback

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    AI Analysis | Feedback

    T. Michael Price
    President and Chief Executive Officer
    T. Michael Price became President and Chief Executive Officer of First Commonwealth Financial Corporation in March 2012. He joined First Commonwealth in 2007 as President of First Commonwealth Bank. Price has more than 30 years of management experience in the financial services industry. Prior to joining First Commonwealth, he served in various roles at a large financial institution in Ohio, including Bank Teller, Branch Manager, Lender, Head of Small Business, and Regional CEO. Price has been instrumental in leading First Commonwealth through numerous acquisitions.

    James R. Reske
    Executive Vice President, Chief Financial Officer and Treasurer
    James R. Reske is the Executive Vice President, Chief Financial Officer, and Treasurer of First Commonwealth Financial Corporation. Before joining First Commonwealth, Mr. Reske served as Executive Vice President, Chief Financial Officer, and Treasurer at United Community Financial Corporation. His financial services career includes investment banking roles within the Financial Institutions Groups at Keybanc Capital Markets, Inc. and Morgan Stanley & Company. Mr. Reske also provided expertise and counsel on mergers and acquisitions and capital markets activities as an attorney at Wachtell, Lipton, Rosen & Katz, and Sullivan & Cromwell. Earlier in his career, he worked at the Board of Governors of the Federal Reserve System and the Federal Reserve Bank of Boston.

    Jane Grebenc
    Executive Vice President, Chief Revenue Officer; President of First Commonwealth Bank
    Ms. Grebenc serves as Executive Vice President and Chief Revenue Officer of First Commonwealth Financial Corporation and as President of First Commonwealth Bank. She is also a director of the company.

    Michael P. McCuen
    Executive Vice President, Chief Banking Officer
    Michael P. McCuen was promoted to Chief Banking Officer in October 2025, having previously served as Chief Lending Officer. He joined First Commonwealth in September 2023 as Corporate Banking Executive. Prior to his tenure at First Commonwealth, McCuen was market president and commercial sales leader for Key Bank's Cincinnati area, and held previous roles at Key Bank in credit, wealth management, and corporate banking. His experience also includes leadership positions at National City, where he was Cincinnati market president, and leading corporate banking in the Midwest territory for PNC Bank after joining in 2009.

    Norman J. Montgomery
    Executive Vice President, Business Integration
    Norman J. Montgomery holds the position of Executive Vice President, Business Integration.

    AI Analysis | Feedback

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    Key Risks to First Commonwealth Financial (FCF)

    1. Economic Sensitivity and Interest Rate Fluctuations

      First Commonwealth Financial's performance is closely tied to prevailing economic conditions, including factors such as inflation, monetary policies, and particularly interest rate fluctuations. Adverse changes in these macroeconomic factors can negatively impact the company's financial performance, earnings, and cash flows. While FCF has some protection through fixed-rate loans and floors on variable-rate loans, a decline in interest rates could lead to loan refinancings at lower rates, impacting net interest income. Conversely, higher interest rates could influence customer behavior and demand for the company's banking products and services.

    2. Credit Risk and Asset Quality Deterioration

      The company faces credit risk, as evidenced by recent deteriorations in certain credit quality metrics. Specifically, non-performing loans have increased from 0.68% to 0.94% year-over-year for the final quarter, and non-performing assets have risen from 0.55% to 0.77%. While the company's exposure to office real estate loans is considered manageable, this trend in rising non-performing assets is a concern that investors are advised to monitor. Additionally, the increase in uninsured deposits to 29% of total deposits also warrants attention.

    3. Cybersecurity Risks

      As financial transactions increasingly migrate to online platforms, First Commonwealth Financial is exposed to heightened cybersecurity threats. These risks include potential security breaches, data loss, and operational disruptions. Such incidents could result in significant financial liabilities, reputational damage, and a loss of customer trust. Proactive cybersecurity measures and adequate insurance coverage are crucial for mitigating these risks. The growing regulatory focus on cybersecurity, including new mandatory disclosure rules from the SEC, further emphasizes the significance of this risk for financial institutions.

    ```

    AI Analysis | Feedback

    • Digital-First Banks and Neobanks: These emerging financial institutions operate primarily or exclusively online and via mobile applications, without the overhead of extensive physical branch networks. They often offer more competitive interest rates on deposits, lower fees, and highly streamlined, user-friendly digital experiences. This directly threatens First Commonwealth Financial's ability to attract and retain consumer checking and savings account customers, especially among demographics that prioritize digital convenience and value over traditional branch access, similar to how Netflix challenged Blockbuster's physical distribution model.
    • Specialized Fintech Companies: A growing number of financial technology firms are specializing in specific banking services, often performing them more efficiently or at a lower cost than traditional full-service banks. Examples include online mortgage lenders offering quicker, fully digital application processes (challenging FCF's mortgage business), and robo-advisors providing low-cost, automated investment management (threatening FCF's trust, asset management, and brokerage services). These specialized players can unbundle traditional banking services and capture profitable segments of FCF's business.
    • Large Technology Companies (Big Tech) Entering Financial Services: Companies like Apple, Google, and Amazon are leveraging their immense user bases, data insights, and technological capabilities to increasingly offer financial products, such as credit cards, payment systems, and lending for merchants. Their ability to seamlessly integrate financial services into existing ecosystems and provide highly personalized digital experiences poses a significant competitive threat across various aspects of FCF's consumer and commercial banking functions, akin to the disruptive impact of Apple's iPhone on traditional mobile phone manufacturers.

    AI Analysis | Feedback

    Addressable Markets for First Commonwealth Financial (FCF)

    First Commonwealth Financial Corporation provides a range of consumer and commercial banking, trust and asset management, insurance, and brokerage services across western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio. Identifying precise addressable market sizes for highly specific financial products within these exact regional boundaries can be challenging. However, market sizes for broader categories in the U.S., Pennsylvania, and Ohio provide a strong indication of their addressable markets.

    Consumer Banking Services

    • The global retail banking market was valued at approximately USD 2.04 trillion in 2024 and is projected to reach USD 3.37 trillion by 2033, growing at a Compound Annual Growth Rate (CAGR) of 5.8% from 2025 to 2033.
    • The U.S. retail banking market generated revenues of USD 1.28 trillion in 2025. The North American retail banking market, which includes the U.S., reached approximately USD 1.62 trillion in 2025 and USD 1.72 trillion in 2026.
    • The broader consumer lending market globally, which encompasses mortgage loans, installment loans, and credit cards, has a market size of approximately USD 27 trillion and is growing. The global consumer credit market was valued at USD 11.8 billion in 2022 and is projected to reach USD 24.3 billion by 2032, with a CAGR of 7.8% from 2023 to 2032.
    • Total outstanding mortgage debt in the U.S. reached USD 19.9 trillion in Q2 2023. In Pennsylvania, the median home price as of February 2023 was USD 244,500.

    Commercial Banking Services

    • The U.S. commercial banking market size was estimated at USD 226.44 billion in 2024 and is expected to reach USD 269.28 billion by 2029, growing at a CAGR of more than 2%. This market was worth USD 229 billion in 2023 and is expected to reach USD 339 billion by 2032, growing at a CAGR of 5% from 2024-2032.
    • The Commercial Banking industry in Pennsylvania is expected to grow over the five years to 2025 (specific value not extracted).

    Trust and Asset Management Services (Wealth Management and Brokerage Services)

    • The global wealth management market size was valued at USD 1.83 trillion in 2024 and is projected to grow to USD 5.95 trillion by 2033, with a CAGR of 14% during the forecast period (2026–2033). Another report indicates the global wealth management market size was USD 4.12 billion in 2023 and is expected to grow to USD 15.27 billion by 2033, at a CAGR of 14.0%.
    • North America held the largest share in the global wealth management market in 2020. The North American wealth management platform market, a segment of wealth management, was valued at USD 1.26 billion in 2025 and USD 1.4 billion in 2026.

    Insurance Services

    • The Property, Casualty and Direct Insurance industry in Pennsylvania has been growing at an average annual rate of 3.4% from 2020 to 2025. It is expected to grow over the five years to 2025 (specific value not extracted).
    • The U.S. group health insurance market size was estimated at USD 1.41 trillion in 2024 and is projected to grow at a CAGR of 2.2% from 2025 to 2030.
    • In Pennsylvania, insurance companies provided medical coverage for nearly thirteen million people as of June 30, 2024.

    AI Analysis | Feedback

    First Commonwealth Financial (FCF) is expected to drive future revenue growth over the next two to three years through several key strategies:

    • Robust Loan Growth: The company anticipates continued strong loan growth, projecting an annual increase in the 5-7% range. This growth is expected to be fueled by healthy new commercial loan volumes at favorable rates, as well as contributions from equipment finance, commercial banking, indirect lending, and home equity loans. The successful integration of the CenterBank acquisition has already contributed significantly to loan volumes.
    • Net Interest Margin (NIM) Expansion and Net Interest Income (NII) Growth: First Commonwealth Financial has demonstrated an expanding net interest margin and is focused on further growing its net interest income. This is driven by improved loan yields, disciplined control over deposit costs, and a favorable commercial business mix. Management has provided guidance for the net interest margin to gradually improve to approximately 4% by the end of 2026.
    • Diversification and Growth of Fee Income: The company is actively pursuing the expansion of its fee-based revenue streams to diversify earnings and reduce reliance on traditional interest income. Key areas of focus for fee income growth include SBA lending, wealth management, mortgage services, and insurance products through its regional banking model. Despite some headwinds, these fee businesses are seen as filling revenue gaps.
    • Strategic Deposit Growth and Cost Control: Sustained growth in deposits is crucial for funding loan expansion. First Commonwealth Financial has achieved balanced deposit growth across its operating geographies and emphasizes effective pricing discipline to manage the cost of deposits, which directly contributes to an improved net interest margin.
    • Strategic Acquisitions: The company's recent acquisition of CenterBank has proven to be a successful strategy for increasing both loan and deposit volumes, enhancing its market position, particularly in Ohio and Western Pennsylvania. While no specific future acquisitions are detailed, strategic mergers and acquisitions are a common growth lever for regional banks like First Commonwealth Financial.

    AI Analysis | Feedback

    Share Repurchases

    • As of January 27, 2026, First Commonwealth Financial increased its equity buyback authorization by an additional $25 million, bringing the total plan authorization to $50 million.
    • During the fourth quarter of 2025, the company completed a $25 million share repurchase program, buying back 1,560,477 shares at a weighted average price of $16.02 per share.
    • In total for 2025, First Commonwealth Financial repurchased 2.1 million shares.

    Share Issuance

    • In 2023, First Commonwealth Financial issued 9,688,478 shares of common stock for the acquisition of Centric Financial Corporation.
    • In 2025, the company issued 3 million shares in connection with the CenterBank acquisition.

    Outbound Investments

    • In 2025, First Commonwealth Financial completed the acquisition of CenterGroup Financial.
    • On January 31, 2023, the company acquired Centric Financial Corporation and its banking subsidiary, Centric Bank, adding seven full-service banking offices and one loan production office.

    Latest Trefis Analyses

    TitleDate
    0DASHBOARDS 
    1How Low Can First Commonwealth Financial Stock Really Go?10/17/2025
    2First Commonwealth Financial (FCF) Debt Comparison08/08/2025
    3First Commonwealth Financial (FCF) Operating Cash Flow Comparison08/08/2025
    4First Commonwealth Financial (FCF) EBITDA Comparison08/08/2025
    5First Commonwealth Financial (FCF) Revenue Comparison08/08/2025
    6First Commonwealth Financial (FCF) Net Income Comparison08/08/2025
    7First Commonwealth Financial (FCF) Tax Expense Comparison08/08/2025
    8First Commonwealth Financial (FCF) Operating Income Comparison08/08/2025
    9Why First Commonwealth Financial Stock Moved: FCF Stock Has Gained 31% Since 2022 Fiscal End, Primarily Due To Favorable Change In Price To Sales Multiple (P/S)08/08/2025
    10First Commonwealth Financial (FCF) Valuation Ratios Comparison08/08/2025
    11ARTICLES 
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    Financials

    FCFPNCHBANKEYCFGFNBMedian
    NameFirst Co.PNC Fina.Huntingt.KeyCorp Citizens.F N B  
    Mkt Price20.97250.3818.1722.9572.0019.0921.96
    Mkt Cap2.1101.434.024.930.66.927.8
    Rev LTM53823,7878,7847,4708,4801,8047,975
    Op Inc LTM-------
    FCF LTM2036,8212,1562,1772,5014662,166
    FCF 3Y Avg1567,4762,2401,5641,9474541,756
    CFO LTM2186,8212,4932,2862,6615692,390
    CFO 3Y Avg1727,4762,4561,6652,0855601,875

    Growth & Margins

    FCFPNCHBANKEYCFGFNBMedian
    NameFirst Co.PNC Fina.Huntingt.KeyCorp Citizens.F N B  
    Rev Chg LTM12.2%12.7%16.3%61.0%9.0%12.8%12.7%
    Rev Chg 3Y Avg7.4%2.9%5.6%7.8%0.1%5.4%5.5%
    Rev Chg Q13.2%13.0%34.0%10.7%12.0%9.5%12.5%
    QoQ Delta Rev Chg LTM3.0%3.1%8.0%2.5%2.8%2.2%2.9%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM40.6%28.7%28.4%30.6%31.4%31.5%31.0%
    CFO/Rev 3Y Avg34.2%34.2%31.5%25.4%25.5%34.0%32.8%
    FCF/Rev LTM37.7%28.7%24.5%29.1%29.5%25.8%28.9%
    FCF/Rev 3Y Avg30.9%34.2%28.9%23.8%23.8%27.5%28.2%

    Valuation

    FCFPNCHBANKEYCFGFNBMedian
    NameFirst Co.PNC Fina.Huntingt.KeyCorp Citizens.F N B  
    Mkt Cap2.1101.434.024.930.66.927.8
    P/S4.04.33.93.33.63.83.8
    P/Op Inc-------
    P/EBIT-------
    P/E13.614.115.412.815.511.713.8
    P/CFO9.814.913.610.911.512.111.8
    Total Yield10.0%9.8%9.2%12.0%9.0%11.0%9.9%
    Dividend Yield2.6%2.7%2.7%4.2%2.5%2.5%2.6%
    FCF Yield 3Y Avg9.1%10.2%9.5%9.2%9.2%8.2%9.2%
    D/E0.10.70.70.70.40.50.6
    Net D/E-0.60.3-0.10.0-1.2-0.4-0.2

    Returns

    FCFPNCHBANKEYCFGFNBMedian
    NameFirst Co.PNC Fina.Huntingt.KeyCorp Citizens.F N B  
    1M Rtn7.4%8.8%7.8%1.6%7.3%4.7%7.4%
    3M Rtn13.8%10.7%8.0%4.9%11.1%9.0%9.8%
    6M Rtn23.1%15.1%2.9%11.0%22.1%12.2%13.6%
    12M Rtn29.0%31.9%12.1%30.9%52.9%23.0%29.9%
    3Y Rtn67.2%108.4%75.3%134.4%163.3%68.6%91.8%
    1M Excs Rtn7.3%8.6%7.7%1.5%7.2%4.6%7.2%
    3M Excs Rtn6.8%5.5%1.8%-1.2%4.6%2.2%3.4%
    6M Excs Rtn13.6%6.6%-5.4%2.4%11.9%3.4%5.0%
    12M Excs Rtn8.9%12.3%-6.4%10.0%33.7%3.0%9.5%
    3Y Excs Rtn9.7%55.7%16.9%97.0%127.7%10.3%36.3%

    Comparison Analyses

    null

    FDIC Bank Data

    Bank Assets

    FDIC Data As Of12312022
    ASSETS 
    Cash Balance ($ Bil)0
    Securities ($ Bil)1
    Net Loans ($ Bil)8
    Trading Assets ($ Bil)0
    Bank Premises Assets ($ Bil)0
    Other Real Estate Owned ($ Bil)0
    Goodwill & Intangibles ($ Bil)0
    Other Assets ($ Bil)0
    Total Assets (Sum) ($ Bil)10
    Total Assets (Reported) ($ Bil)10
    Risk Weighted Assets ($ Bil)8
    SECURITIES DETAILS 
    US Govt Securities ($ Bil)1
    Equity Securities Not Held for Trading ($ Bil)0
    Total Debt Securities ($ Bil)1
    Mortgage-Backed Securities ($ Bil)1
    SECURITIES VALUATION 
    Securities Held to Maturity (Book Value) ($ Bil)0
    Securities Available for Sale (Fair Market) ($ Bil)1

    Bank Loans

    FDIC Data As Of12312022
    LOAN DETAILS 
    All Real Estate Loans ($ Bil)5
    Farm Loans ($ Bil)0
    Commercial and Industrial Loans ($ Bil)1
    Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)1
    Commercial Real Estate Loans not Secured by Real Estate ($ Bil)0
    Commercial Real Estate Owner-Occupied ($ Bil)0
    Commercial Real Estate Other Non-Farm Non-Residential ($ Bil)2
    Total Net Loans ($ Bil)8

    Financials

    $ Mil | FY: 12/312026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q2
    Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
    Filing Date5/11/20263/2/202611/10/20258/11/20255/12/20253/3/202511/12/20248/9/20245/7/20242/29/202411/7/20238/9/2023
    Key Financials Quarterly            
    Total Revenue134138136131118120121120116120123122
    Net Income384541333336323738453943
    EPS0.370.440.400.320.320.350.310.360.370.440.380.42
    Key Financials TTM            
    Total Revenue TTM538523505491480478478479481482475460
    Net Income TTM157152143134138143152159164157148143
    Growth Rates Quarterly            
    Total Revenue Growth13.2%14.5%12.2%9.0%1.5%0.3%-1.1%-1.8%-0.9%6.9%13.2%24.6%
    Net Income Growth14.8%25.2%28.8%-9.9%-12.9%-20.0%-18.2%-13.3%24.2%25.4%15.5%39.1%
    Margins Quarterly            
    Net Income Margin28.1%32.5%30.4%25.5%27.7%29.8%26.5%30.9%32.3%37.3%32.0%35.0%
    Cash & Debt            
    Total Cash1,3391,1431,1631,2101,2331,2811,7231,2591,3341,1681,1551,187
    Total Debt155387412488340318675674733750731730
    Net Debt / (Cash)-1,184-756-752-721-893-963-1,048-585-601-418-424-457
    Cash Flows Quarterly            
    FCF from Operations875249305614542340442048
    Cash Flows TTM            
    FCF from Operations TTM218188149153146129160127152151149177
    Returns to Shareholders Quarterly            
    Dividends141414141313131313131313
    Share Repurchases252311128202139
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20242023202220212020
    Single Segment478482411385363
    Total478482411385363


    Net Income by Segment
    $ Mil20252024
    Single Segment152143
    Total152143


    Price Behavior

    Price Behavior
    Market Price$20.97 
    Market Cap ($ Bil)2.1 
    First Trading Date06/10/1992 
    Distance from 52W High-1.7% 
       50 Days200 Days
    DMA Price$19.55$17.67
    DMA Trendupup
    Distance from DMA7.2%18.7%
     3M1YR
    Volatility18.6%22.3%
    Downside Capture-19.5424.72
    Upside Capture42.2449.24
    Correlation (SPY)-0.8%25.0%
    FCF Betas & Captures as of 6/30/2026

     1M2M3M6M1Y3Y
    Beta-0.19-0.030.150.320.470.73
    Up Beta-1.08-0.470.180.370.740.76
    Down Beta-0.13-0.06-0.270.120.370.67
    Up Capture46%46%47%50%41%51%
    Bmk +ve Days11244067140429
    Stock +ve Days16274072134369
    Down Capture-35%-25%-7%21%37%88%
    Bmk -ve Days10172358112321
    Stock -ve Days5132250112365

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FCF
    FCF28.3%22.3%1.04-
    Sector ETF (XLF)8.1%14.6%0.3255.0%
    Equity (SPY)20.3%12.6%1.1924.9%
    Gold (GLD)21.6%28.1%0.69-5.2%
    Commodities (DBC)31.4%19.1%1.30-15.5%
    Real Estate (VNQ)15.0%14.0%0.7641.0%
    Bitcoin (BTCUSD)-44.6%42.9%-1.2513.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FCF
    FCF12.7%28.3%0.43-
    Sector ETF (XLF)10.7%18.5%0.4564.3%
    Equity (SPY)12.9%17.1%0.5846.0%
    Gold (GLD)17.3%18.4%0.76-4.6%
    Commodities (DBC)8.9%19.5%0.356.9%
    Real Estate (VNQ)2.9%18.9%0.0547.6%
    Bitcoin (BTCUSD)14.9%53.4%0.4619.3%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FCF
    FCF12.0%32.3%0.43-
    Sector ETF (XLF)13.7%22.0%0.5673.3%
    Equity (SPY)15.2%17.9%0.7253.2%
    Gold (GLD)11.2%16.1%0.57-8.5%
    Commodities (DBC)7.2%17.9%0.3217.2%
    Real Estate (VNQ)5.1%20.7%0.2149.1%
    Bitcoin (BTCUSD)58.7%66.2%0.9913.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date6302026
    Short Interest: Shares Quantity2.8 Mil
    Short Interest: % Change Since 615202610.9%
    Average Daily Volume0.9 Mil
    Days-to-Cover Short Interest3.2 days
    Basic Shares Quantity102.1 Mil
    Short % of Basic Shares2.8%

    Returns Analyses

    Earnings Returns History

    Updated 6/3/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    4/28/20261.3%-1.0%1.5%
    1/28/2026-0.6%5.0%3.0%
    10/28/2025-5.5%-4.8%0.7%
    7/30/20251.0%1.2%9.9%
    4/29/20251.6%3.3%2.5%
    1/28/2025-3.9%0.4%-2.6%
    10/29/2024-0.4%-2.1%12.8%
    7/23/20243.0%8.6%-1.8%
    ...
    SUMMARY STATS   
    # Positive121618
    # Negative1286
    Median Positive1.9%3.4%6.4%
    Median Negative-3.7%-2.4%-5.2%
    Max Positive8.3%9.4%22.1%
    Max Negative-7.1%-11.0%-11.9%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    4/28/20261.3%-1.0%1.5%
    1/28/2026-0.6%5.0%3.0%
    10/28/2025-5.5%-4.8%0.7%
    7/30/20251.0%1.2%9.9%
    4/29/20251.6%3.3%2.5%
    1/28/2025-3.9%0.4%-2.6%
    10/29/2024-0.4%-2.1%12.8%
    7/23/20243.0%8.6%-1.8%
    4/23/20242.2%0.8%5.9%
    1/30/2024-6.2%-11.0%-11.9%
    10/24/2023-2.9%2.4%13.2%
    7/25/20234.3%3.7%-5.7%
    4/25/20230.3%3.8%10.6%
    1/25/2023-7.1%5.8%15.3%
    10/25/2022-2.8%1.9%4.8%
    7/26/20223.1%3.4%2.7%
    4/26/2022-3.9%-5.1%-5.3%
    1/25/2022-3.4%0.5%-5.1%
    10/27/20215.3%9.4%6.8%
    7/27/2021-1.4%-1.0%1.6%
    4/27/20210.7%3.4%3.5%
    1/27/2021-6.2%-2.8%11.6%
    10/28/20201.5%-2.0%22.1%
    7/29/20208.3%3.4%9.5%
    SUMMARY STATS   
    # Positive121618
    # Negative1286
    Median Positive1.9%3.4%6.4%
    Median Negative-3.7%-2.4%-5.2%
    Max Positive8.3%9.4%22.1%
    Max Negative-7.1%-11.0%-11.9%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    03/31/202605/11/202610-Q
    12/31/202503/02/202610-K
    09/30/202511/10/202510-Q
    06/30/202508/11/202510-Q
    03/31/202505/12/202510-Q
    12/31/202403/03/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/07/202410-Q
    12/31/202302/29/202410-K
    09/30/202311/07/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/10/202310-Q
    12/31/202202/28/202310-K
    09/30/202211/07/202210-Q
    06/30/202208/09/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    03/31/202605/11/202610-Q
    12/31/202503/02/202610-K
    09/30/202511/10/202510-Q
    06/30/202508/11/202510-Q
    03/31/202505/12/202510-Q
    12/31/202403/03/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/07/202410-Q
    12/31/202302/29/202410-K
    09/30/202311/07/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/10/202310-Q
    12/31/202202/28/202310-K
    09/30/202211/07/202210-Q
    06/30/202208/09/202210-Q
    03/31/202205/09/202210-Q
    12/31/202103/01/202210-K
    09/30/202111/08/202110-Q
    06/30/202108/06/202110-Q
    03/31/202105/07/202110-Q
    12/31/202003/01/202110-K
    09/30/202011/06/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/08/202010-Q
    12/31/201903/02/202010-K
    09/30/201911/08/201910-Q
    06/30/201908/07/201910-Q

    Insider Activity

    Updated 7/7/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Reske, James REVP/Chief Financial OfficerDirectSell707202620.502,07242,4851,582,999Form
    2Reske, James REVP/Chief Financial OfficerDirectSell608202618.932,07239,2251,500,782Form
    3McCuen, Michael PEVP/Chief Banking OfficerDirectSell604202619.115,250100,354986,544Form
    4McCuen, Michael PEVP/Chief Banking OfficerDirectSell604202618.585,25097,5451,056,477Form
    5Lyon, Lee E IIEVP / Chief Audit ExecutiveDirectSell518202618.4035,000644,0541,062,487Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Reske, James REVP/Chief Financial OfficerDirectSell707202620.502,07242,4851,582,999Form
    2Reske, James REVP/Chief Financial OfficerDirectSell608202618.932,07239,2251,500,782Form
    3McCuen, Michael PEVP/Chief Banking OfficerDirectSell604202619.115,250100,354986,544Form
    4McCuen, Michael PEVP/Chief Banking OfficerDirectSell604202618.585,25097,5451,056,477Form
    5Lyon, Lee E IIEVP / Chief Audit ExecutiveDirectSell518202618.4035,000644,0541,062,487Form
    6Reske, James REVP/Chief Financial OfficerDirectSell506202618.522,07238,3671,506,300Form
    7Brice, Todd D DirectBuy504202618.581,00018,580269,410Form
    8Montgomery, Norman JEVP/Business IntegrationDirectSell504202618.3712,964238,180920,532Form
    9Montgomery, Norman JEVP/Business IntegrationDirectSell504202618.3425,000458,5841,156,878Form
    10Reske, James REVP/Chief Financial OfficerDirectSell407202617.862,07237,0071,489,917Form
    11Reske, James REVP/Chief Financial OfficerDirectSell306202617.582,07236,4321,503,212Form
    12Grebenc, JaneEVP/Chief Revenue OfficerDirectSell209202618.8518,598350,6062,996,967Form
    13Grebenc, JaneEVP/Chief Revenue OfficerDirectSell206202618.777,402138,9053,332,312Form
    14Reske, James REVP/Chief Financial OfficerDirectSell206202618.922,07239,1991,656,576Form
    15Brice, Todd D DirectBuy203202618.231,00018,230246,105Form
    16Reske, James REVP/Chief Financial OfficerDirectSell106202616.742,07234,6891,344,556Form
    17Reske, James REVP/Chief Financial OfficerDirectSell1208202516.521,96532,4651,361,083Form
    18McCuen, Michael PEVP/Chief Banking OfficerDirectBuy1121202516.193,09050,0271,005,577Form
    19Reske, James REVP/Chief Financial OfficerDirectSell1110202515.551,51823,6041,311,566Form
    20Brice, Todd D DirectBuy1103202515.271,00015,269190,858Form
    21Reske, James REVP/Chief Financial OfficerDirectSell1007202516.992,19037,2121,459,012Form
    22Reske, James REVP/Chief Financial OfficerDirectSell909202517.742,19038,8421,561,772Form
    23McCuen, Michael PEVP/Chief Banking OfficerDirectBuy904202517.672,82649,9351,042,901Form
    24Reske, James REVP/Chief Financial OfficerDirectSell807202516.662,19036,4841,503,461Form
    25Brice, Todd D DirectBuy804202516.521,00016,520189,980Form

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    Core Cache Last Updated: 7/21/2026