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First Commonwealth Financial Corporation operates as the holding company for First Commonwealth Bank that provides consumer and commercial banking services to individuals, and small and mid-sized businesses in central and western Pennsylvania. It offers personal and business checking accounts, interest-earning checking accounts, savings accounts, health savings accounts, insured money market accounts, time deposits, fixed and variable rate certificates of deposit, club accounts, and individual retirement accounts. The company also offers secured and unsecured installment loans, construction and mortgage loans, credit lines with overdraft checking protection, student loans, and commercial loans. In addition, it provides safe deposit facilities, debit cards, investment certificates, Internet and telephone banking, automated teller machines (ATMs), on-line account management, ACH origination, payroll direct deposit, commercial cash management, and repurchase agreements. Further, the company offers trust and asset management services; auto, home, term life, and business insurance; financial planning services; and annuities, mutual funds, and stock and bond brokerage services. As of December 31, 2008, it operated 114 community banking offices, 3 loan production offices, and 124 ATMs. The company was founded in 1982 and is headquartered in Indiana, Pennsylvania.

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Key Statistics

Closing Price	6.45
Volume	408481
Volume Avg	606633
52 Week High	7.00
52 Week Low	3.47
PE	43.40
PE (group average)	27
EPS Year	0.15
EPS change Q/Q	-54.55%
EPS change Q/Q Yr ago	-1000%
EPS change Q/Q next Q est	-50%
EPS change Y/Y	1000%
REV change Q/Q	-4.9%
REV change Q/Q Yr ago	-9.45%
EPS next Q est	0.10
EPS next Y est	0.51
Divident Annual	0.12
Dividend Yield	1.86%