What is First Commonwealth Financial's earnings per share (EPS)?

First Commonwealth Financial (FCF) reported diluted earnings per share of $1.47 for fiscal year 2025. This represents a 5.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Commonwealth Financial Financials

FCF

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows First Commonwealth Financial (FCF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FCF FY2025 2026-05-11

Balance-sheet growth is lifting revenue, while returns on assets stay narrow and fairly steady across the period.

By FY2025, revenue nearly doubled to $633M from FY2021, but return on assets was still only 1.2%; that gap implies the bigger income stream mainly reflects a larger asset base rather than richer profitability per dollar deployed. Cash conversion also improved in FY2025, with operating cash flow of $188M above net income of $152M, so the latest earnings were backed by cash rather than only accruals.

Leverage remains the operating spine: FY2025 assets of $12.3B were supported by only $1.55B of equity, so even small shifts in earning efficiency can have an outsized effect on shareholder returns. The less obvious point is that equity kept building through retained earnings, which helps explain why ROE softened even while annual profit stayed in a relatively similar band.

Physical reinvestment is light relative to cash generation, with FY2025 capital spending of $16M against operating cash flow of $188M. That means free cash flow is shaped more by balance-sheet movements and funding flows than by a need to keep pouring cash into fixed assets, which is why cash can rebound sharply without a major capex swing.

Financial Health Signals

Financial Health Score 63/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Commonwealth Financial's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

5/7

First Commonwealth Financial passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.23x

For every $1 of reported earnings, First Commonwealth Financial generates $1.23 in operating cash flow ($187.5M OCF vs $152.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$632.7M

YoY+5.4%

5Y CAGR+16.0%

10Y CAGR+12.0%

First Commonwealth Financial generated $632.7M in revenue in fiscal year 2025. This represents an increase of 5.4% from the prior year.

EBITDA

N/A

Net Income

$152.3M

YoY+6.8%

5Y CAGR+15.7%

10Y CAGR+11.8%

First Commonwealth Financial reported $152.3M in net income in fiscal year 2025. This represents an increase of 6.8% from the prior year.

EPS (Diluted)

$1.47

YoY+5.8%

5Y CAGR+14.4%

10Y CAGR+10.1%

First Commonwealth Financial earned $1.47 per diluted share (EPS) in fiscal year 2025. This represents an increase of 5.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$171.5M

YoY+50.5%

5Y CAGR+11.8%

10Y CAGR+9.7%

First Commonwealth Financial generated $171.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 50.5% from the prior year.

Cash & Debt

$180.4M

YoY+35.2%

5Y CAGR-12.7%

10Y CAGR+10.0%

First Commonwealth Financial held $180.4M in cash against $261.7M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.54

YoY+3.9%

5Y CAGR+4.0%

10Y CAGR+6.7%

First Commonwealth Financial paid $0.54 per share in dividends in fiscal year 2025. This represents an increase of 3.9% from the prior year.

Shares Outstanding

103M

YoY+1.1%

5Y CAGR+1.4%

10Y CAGR+1.5%

First Commonwealth Financial had 103M shares outstanding in fiscal year 2025. This represents an increase of 1.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.1%

YoY+0.3pp

5Y CAGR-0.3pp

10Y CAGR-0.5pp

First Commonwealth Financial's net profit margin was 24.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.3 percentage points from the prior year.

Return on Equity

9.8%

YoY-0.4pp

5Y CAGR+2.9pp

10Y CAGR+2.8pp

First Commonwealth Financial's ROE was 9.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$35.8M

YoY+183.4%

5Y CAGR+11.4%

10Y CAGR+3.5%

First Commonwealth Financial spent $35.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 183.4% from the prior year.

Capital Expenditures

$16.1M

YoY+3.5%

5Y CAGR+16.1%

10Y CAGR+12.7%

First Commonwealth Financial invested $16.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 3.5% from the prior year.

FCF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$632.7M+5.4%	$600.5M+13.3%	$530.0M+60.6%	$330.0M+12.3%	$293.8M-2.4%	$301.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$164.0M+9.8%	$149.3M+4.5%	$142.9M+13.4%	$126.0M+5.5%	$119.5M+0.5%	$119.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$206.6M-6.8%	$221.6M+53.5%	$144.3M+713.9%	$17.7M+15.9%	$15.3M-53.6%	$32.9M
Income Tax	$39.1M+9.6%	$35.6M-12.0%	$40.5M+26.5%	$32.0M-7.4%	$34.6M+106.3%	$16.8M
Net Income	$152.3M+6.8%	$142.6M-9.2%	$157.1M+22.5%	$128.2M-7.3%	$138.3M+88.2%	$73.4M
EPS (Diluted)	$1.47+5.8%	$1.39-9.7%	$1.54+12.4%	$1.37-4.9%	$1.44+92.0%	$0.75

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$157.2M-4.1%	$163.9M+0.7%	$162.7M+2.4%	$158.9M+8.0%	$147.1M-1.9%	$150.0M-2.8%	$154.3M+2.4%	$150.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$42.9M+1.4%	$42.3M+3.8%	$40.7M+0.3%	$40.6M+0.4%	$40.4M+6.3%	$38.0M-1.5%	$38.6M+3.5%	$37.3M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$48.2M-4.9%	$50.7M-1.7%	$51.6M-2.1%	$52.7M+2.1%	$51.6M-6.0%	$54.9M-5.0%	$57.8M+3.8%	$55.7M
Income Tax	$9.7M-16.2%	$11.6M+10.2%	$10.5M+21.1%	$8.7M+3.8%	$8.3M-4.9%	$8.8M+3.9%	$8.4M-11.0%	$9.5M
Net Income	$37.5M-16.3%	$44.9M+8.6%	$41.3M+23.7%	$33.4M+2.2%	$32.7M-8.8%	$35.8M+11.7%	$32.1M-13.5%	$37.1M
EPS (Diluted)	$0.37	N/A	$0.39+21.9%	$0.320.0%	$0.32	N/A	$0.31-13.9%	$0.36

FCF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$12.3B+6.5%	$11.6B+1.1%	$11.5B+16.9%	$9.8B+2.7%	$9.5B+5.3%	$9.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$180.4M+35.2%	$133.4M-9.2%	$147.0M-4.7%	$154.2M-61.0%	$395.4M+10.9%	$356.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$378.2M+4.0%	$363.7M0.0%	$363.7M+19.9%	$303.3M0.0%	$303.3M0.0%	$303.3M
Total Liabilities	$10.8B+6.0%	$10.2B+0.3%	$10.1B+15.9%	$8.8B+3.8%	$8.4B+5.5%	$8.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$261.7M-0.5%	$263.0M+40.8%	$186.8M+3.1%	$181.2M-0.6%	$182.3M-21.9%	$233.3M
Total Equity	$1.6B+10.6%	$1.4B+6.9%	$1.3B+24.9%	$1.1B-5.2%	$1.1B+3.8%	$1.1B
Retained Earnings	$1.1B+10.0%	$971.1M+10.2%	$881.1M+13.7%	$774.9M+12.1%	$691.3M+15.9%	$596.6M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$12.3B-0.7%	$12.3B+0.3%	$12.3B+0.6%	$12.2B+3.8%	$11.8B+1.7%	$11.6B-3.3%	$12.0B+3.1%	$11.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$342.9M+90.1%	$180.4M+11.7%	$161.4M+0.8%	$160.2M+13.3%	$141.4M+6.0%	$133.4M-77.1%	$582.3M+209.3%	$188.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$378.2M0.0%	$378.2M0.0%	$378.2M-0.1%	$378.7M+4.1%	$363.7M0.0%	$363.7M0.0%	$363.7M0.0%	$363.7M
Total Liabilities	$10.7B-0.7%	$10.8B+0.2%	$10.8B+0.5%	$10.7B+3.7%	$10.3B+1.6%	$10.2B-3.7%	$10.6B+3.0%	$10.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$132.1M-49.5%	$261.7M-0.1%	$262.1M-0.1%	$262.4M-0.1%	$262.7M-0.1%	$263.0M+93.0%	$136.3M-0.2%	$136.6M
Total Equity	$1.6B-0.1%	$1.6B+0.8%	$1.5B+1.6%	$1.5B+4.9%	$1.4B+3.0%	$1.4B-0.3%	$1.4B+3.5%	$1.4B
Retained Earnings	$1.1B+2.2%	$1.1B+3.0%	$1.0B+2.7%	$1.0B+1.9%	$990.5M+2.0%	$971.1M+2.4%	$948.5M+2.0%	$929.7M

FCF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$187.5M+44.9%	$129.5M-14.1%	$150.8M-0.4%	$151.4M-8.3%	$165.0M+56.1%	$105.7M
Capital Expenditures	$16.1M+3.5%	$15.5M-29.4%	$22.0M+96.6%	$11.2M+5.3%	$10.6M+39.7%	$7.6M
Free Cash Flow	$171.5M+50.5%	$113.9M-11.5%	$128.7M-8.2%	$140.2M-9.2%	$154.4M+57.4%	$98.1M
Investing Cash Flow	-$388.2M-218.9%	-$121.7M+78.8%	-$574.3M+2.5%	-$588.8M-4.2%	-$565.3M-17.0%	-$483.1M
Financing Cash Flow	$247.6M+1261.3%	-$21.3M-105.1%	$416.3M+112.1%	$196.2M-55.3%	$439.1M-28.3%	$612.2M
Dividends Paid	$55.5M+5.5%	$52.6M+3.5%	$50.8M+14.0%	$44.6M+2.2%	$43.6M+1.5%	$43.0M
Share Buybacks	$35.8M+183.4%	$12.6M-15.6%	$15.0M-4.1%	$15.6M-50.2%	$31.3M+49.7%	$20.9M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$86.8M+67.8%	$51.8M+4.6%	$49.5M+62.8%	$30.4M-45.6%	$55.9M+313.4%	$13.5M-74.8%	$53.6M+136.2%	$22.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$210.8M+1643.6%	-$13.7M+81.5%	-$73.6M+15.7%	-$87.4M+59.1%	-$213.6M-414.0%	-$41.5M-322.4%	$18.7M+154.0%	-$34.6M
Financing Cash Flow	-$135.1M-605.5%	-$19.1M-175.4%	$25.4M-66.5%	$75.8M-54.2%	$165.6M+139.4%	-$420.9M-230.8%	$321.7M+392.1%	-$110.2M
Dividends Paid	$13.8M-1.1%	$14.0M-0.7%	$14.1M-0.4%	$14.2M+6.9%	$13.2M+0.1%	$13.2M-0.6%	$13.3M+0.1%	$13.3M
Share Buybacks	$24.8M+8.6%	$22.8M+114.9%	$10.6M+1992.5%	$508K-71.9%	$1.8M-77.6%	$8.1M+225.4%	$2.5M+687.9%	$315K

FCF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.1%+0.3pp	23.7%-5.9pp	29.6%-9.2pp	38.9%-8.2pp	47.0%+22.7pp	24.4%
Return on Equity	9.8%-0.4pp	10.2%-1.8pp	11.9%-0.2pp	12.2%-0.3pp	12.5%+5.6pp	6.9%
Return on Assets	1.2%0.0pp	1.2%-0.1pp	1.4%+0.1pp	1.3%-0.1pp	1.5%+0.6pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.17-0.0	0.19+0.0	0.14-0.0	0.170.0	0.16-0.1	0.22
FCF Margin	27.1%+8.1pp	19.0%-5.3pp	24.3%-18.2pp	42.5%-10.1pp	52.5%+20.0pp	32.6%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.9%-3.5pp	27.4%+2.0pp	25.4%+4.4pp	21.0%-1.2pp	22.2%-1.7pp	23.9%+3.1pp	20.8%-3.8pp	24.6%
Return on Equity	2.4%-0.5pp	2.9%+0.2pp	2.7%+0.5pp	2.2%-0.1pp	2.3%-0.3pp	2.5%+0.3pp	2.3%-0.4pp	2.7%
Return on Assets	0.3%-0.1pp	0.4%+0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%-0.0pp	0.3%+0.0pp	0.3%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.09-0.1	0.170.0	0.170.0	0.170.0	0.180.0	0.19+0.1	0.100.0	0.10
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is First Commonwealth Financial's annual revenue?

First Commonwealth Financial (FCF) reported $632.7M in total revenue for fiscal year 2025. This represents a 5.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Commonwealth Financial's revenue growing?

First Commonwealth Financial (FCF) revenue grew by 5.4% year-over-year, from $600.5M to $632.7M in fiscal year 2025.

Is First Commonwealth Financial profitable?

Yes, First Commonwealth Financial (FCF) reported a net income of $152.3M in fiscal year 2025, with a net profit margin of 24.1%.

How much debt does First Commonwealth Financial have?

As of fiscal year 2025, First Commonwealth Financial (FCF) had $180.4M in cash and equivalents against $261.7M in long-term debt.

What is First Commonwealth Financial's net profit margin?

First Commonwealth Financial (FCF) had a net profit margin of 24.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Commonwealth Financial pay dividends?

Yes, First Commonwealth Financial (FCF) paid $0.54 per share in dividends during fiscal year 2025.

What is First Commonwealth Financial's return on equity (ROE)?

First Commonwealth Financial (FCF) has a return on equity of 9.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Commonwealth Financial's free cash flow?

First Commonwealth Financial (FCF) generated $171.5M in free cash flow during fiscal year 2025. This represents a 50.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Commonwealth Financial's operating cash flow?

First Commonwealth Financial (FCF) generated $187.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First Commonwealth Financial's total assets?

First Commonwealth Financial (FCF) had $12.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Commonwealth Financial's capital expenditures?

First Commonwealth Financial (FCF) invested $16.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does First Commonwealth Financial buy back shares?

Yes, First Commonwealth Financial (FCF) spent $35.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does First Commonwealth Financial have outstanding?

First Commonwealth Financial (FCF) had 103M shares outstanding as of fiscal year 2025.

What is First Commonwealth Financial's debt-to-equity ratio?

First Commonwealth Financial (FCF) had a debt-to-equity ratio of 0.17 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Commonwealth Financial's return on assets (ROA)?

First Commonwealth Financial (FCF) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Commonwealth Financial's Piotroski F-Score?

First Commonwealth Financial (FCF) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Commonwealth Financial's earnings high quality?

First Commonwealth Financial (FCF) has an earnings quality ratio of 1.23x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Commonwealth Financial?

First Commonwealth Financial (FCF) scores 63 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.