First (FCF) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $0.45
- Estimate
- $0.46
- Surprise
- -1.6%
- Score at report (before → after)
- 5.9 → 6.0/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
First (FCF) missed the $0.46 estimate with adjusted EPS of $0.45 — a modest 1.6% shortfall. TrendMatrix's engine moved from Buy (Wait) (5.9/10) to Sell at 6.0/10 after the report — the engine's score rose despite the miss.
Coverage in the report window
- First Commonwealth Q3 Adj. EPS $0.45 Misses $0.46 Estimate, Sales $143.047M Beat $141.357M Estimate — benzinga, 2026-10-27
Where TrendMatrix's rating stands now
TrendMatrix currently rates FCF Sell at 6.0/10.
2 of the last 4 quarters beat the estimate; this quarter's -1.6% surprise compares with a -0.5% four-quarter average. Next scheduled report: 2027-01-26.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Attractive valuation
What argues against it
- Analyst target reached - limited upside remaining
- V7 low-quality RISK_OFF penalty: -0.5 (Q=5.5)
- Consecutive earnings misses (2)
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $20.83
- Price target
- $20.94
- Stop
- $20.11
- Upside to target
- +0.5%
- Reward-to-risk
- 0.1:1
At 12.2× trailing and 10.7× forward earnings, consensus estimates imply little change in earnings power.
Model outputs from TrendMatrix’s engine as of 2026-10-29 — shown for context, not personalized investment advice.
FCF at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $2.10B
- P/E (fwd)
- 10.7
- P/E (ttm)
- 12.2
- 52-week range
- $15.00–$22.34
- Off 52-week high
- 6.8%
- RSI (14)
- 67
- Volume vs avg
- 1.11×
- Score today
- 6.0/10