Is FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 46.5% | |
| Net Margin | 31.4% | |
| Return on Equity (ROE) | 10.3% | |
| Return on Assets (ROA) | 1.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $188M |
| Free Cash Flow | $171M |
| Total Debt | $387M |
| Total Assets | $12.3B |
Price & Trading
| Last Close | $17.45 |
| 50-Day MA | $17.71 |
| 200-Day MA | $16.94 |
| Avg Volume | 882K |
| Beta | 0.8 |
|
52-Week Range
$13.54
| |
About FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF)
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company's consumer services include internet, mobile, and telephone banking; an automated teller machine network; personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.
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Frequently Asked Questions
Is FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), FIRST COMMONWEALTH FINANCIAL CORP /PA/ is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is FIRST COMMONWEALTH FINANCIAL CORP /PA/'s debt ratio?
FIRST COMMONWEALTH FINANCIAL CORP /PA/'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are FIRST COMMONWEALTH FINANCIAL CORP /PA/'s key financial metrics?
FIRST COMMONWEALTH FINANCIAL CORP /PA/ has a market capitalization of $1.8B, trailing P/E ratio of 11.7, and revenue of $523M. Return on equity stands at 10.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.