First Commonwealth Financial Corporation (FCF) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FCF SEC filings page.
First Commonwealth Financial Corporation (FCF) reported $522.9M in revenue for fiscal year 2025, up 9.4% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
The bank is expanding its balance sheet, but each dollar of assets is producing less return per dollar than several years ago.
In FY2025, operating cash flow of$187.5M exceeded net income of$152.3M , indicating reported earnings were backed by cash rather than remaining purely accounting profit. Free cash flow rose from$113.9M in FY2024 to$171.5M in FY2025, reinforcing that cash conversion improved alongside operating cash generation.
Assets expanded from
FY2025 liabilities totaled
Financial Health Signals
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 Corporation'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.
First Commonwealth Financial Corporation earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and First Commonwealth Financial Corporation scores 77/100 among other banks.
First Commonwealth Financial Corporation reported revenue of $522.9M in fiscal year 2025, against $478.1M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First Commonwealth Financial Corporation scores 32/100 among other banks.
First Commonwealth Financial Corporation funded 12.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.6B of equity against $12.3B of assets. Capital ranks banks on that cushion, and First Commonwealth Financial Corporation scores 64/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First Commonwealth Financial Corporation scores 78/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. First Commonwealth Financial Corporation scores 28/100 on it among other banks.
First Commonwealth Financial Corporation reported net income of $152.3M in fiscal year 2025, against $142.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First Commonwealth Financial Corporation scores 96/100 among other banks.
First Commonwealth Financial Corporation passes 6 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, both operating efficiency signals pass.
For every $1 of reported earnings, First Commonwealth Financial Corporation 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
Earnings & Revenue
First Commonwealth Financial Corporation generated $139.4M in revenue in Q2 2026. This represents an increase of 6.5% from the same quarter a year earlier. Against the prior quarter it is up 4.4%.
First Commonwealth Financial Corporation reported $44.6M in net income in Q2 2026. This represents an increase of 33.5% from the same quarter a year earlier. Against the prior quarter it is up 18.8%.
First Commonwealth Financial Corporation earned $0.44 per diluted share (EPS) in Q2 2026. This represents an increase of 37.5% from the same quarter a year earlier. Against the prior quarter it is up 18.9%.
Not reported for Q2 2026.
Cash & Balance Sheet
First Commonwealth Financial Corporation held $179.6M in cash against $125.1M in long-term debt as of Q2 2026.
First Commonwealth Financial Corporation paid $0.14 per share in dividends in Q2 2026. This represents an increase of 3.7% from the same quarter a year earlier. Against the prior quarter it is up 3.7%.
Not reported for Q2 2026.
Margins & Returns
First Commonwealth Financial Corporation's net profit margin was 32.0% in Q2 2026, showing the share of revenue converted to profit. This is up 6.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.9 percentage points.
First Commonwealth Financial Corporation's ROE was 2.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
First Commonwealth Financial Corporation spent $12.1M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 2274.2% from the same quarter a year earlier. Against the prior quarter it is down 51.4%.
Not reported for Q2 2026.
Not reported for Q2 2026.
FCF Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $139.4M+6.5% | $133.6M+13.2% | $137.9M+14.5% | $136.0M+12.2% | $131.0M+9.0% | $118.0M+1.5% | $120.4M+0.3% | $121.2M-1.1% |
| SG&A Expenses | $42.7M+5.3% | $42.9M+6.1% | $42.3M+11.2% | $40.7M+5.4% | $40.6M+8.7% | $40.4M+14.4% | $38.0M+4.9% | $38.6M+8.4% |
| Interest Expense | $46.9M-11.0% | $48.2M-6.5% | $50.7M-7.6% | $51.6M-10.8% | $52.7M-5.4% | $51.6M-2.9% | $54.9M+13.2% | $57.8M+37.2% |
| Income Tax | $11.7M+34.9% | $9.7M+16.1% | $11.6M+31.8% | $10.5M+24.3% | $8.7M-8.7% | $8.3M-6.6% | $8.8M-26.2% | $8.4M-16.0% |
| Net Income | $44.6M+33.5% | $37.5M+14.8% | $44.9M+25.2% | $41.3M+28.8% | $33.4M-9.9% | $32.7M-12.9% | $35.8M-20.0% | $32.1M-18.2% |
| EPS (Basic) | $0.44+37.5% | $0.37+15.6% | $0.44+25.7% | $0.40+29.0% | $0.32-11.1% | $0.32-13.5% | $0.35-20.5% | $0.31-18.4% |
| EPS (Diluted) | $0.44+37.5% | $0.37+15.6% | $0.43+22.9% | $0.39+25.8% | $0.32-11.1% | $0.32-13.5% | $0.35-20.5% | $0.31-18.4% |
| Diluted Shares (Avg) | 102M-2.3% | 102M+0.5% | N/A | 105M+2.3% | 104M+1.6% | 102M-0.3% | N/A | 102M0.0% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
FCF Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $12.2B-0.2% | $12.3B+4.0% | $12.3B+6.5% | $12.3B+2.7% | $12.2B+5.2% | $11.8B+0.8% | $11.6B+1.1% | $12.0B+4.9% |
| Cash & Equivalents | $179.6M+12.2% | $342.9M+142.6% | $180.4M+35.2% | $161.4M-72.3% | $160.2M-14.9% | $141.4M-54.5% | $133.4M-9.2% | $582.3M+72.8% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $574.5M+15.4% | $577.3M+11.2% | $519.4M+28.1% | $479.9M+11.5% | $498.0M+9.7% | $519.0M+11.7% | $405.6M-3.2% | $430.4M+0.2% |
| Goodwill | $378.2M-0.1% | $378.2M+4.0% | $378.2M+4.0% | $378.2M+4.0% | $378.7M+4.1% | $363.7M0.0% | $363.7M0.0% | $363.7M0.0% |
| Total Liabilities | $10.6B-0.8% | $10.7B+3.6% | $10.8B+6.0% | $10.8B+1.8% | $10.7B+4.4% | $10.3B-0.2% | $10.2B+0.3% | $10.6B+3.9% |
| Long-Term Debt | $125.1M-52.3% | $132.1M-49.7% | $261.7M-0.5% | $262.1M+92.3% | $262.4M+92.1% | $262.7M+40.9% | $263.0M+40.8% | $136.3M-27.1% |
| Total Equity | $1.6B+3.4% | $1.6B+7.3% | $1.6B+10.6% | $1.5B+9.4% | $1.5B+11.4% | $1.4B+8.6% | $1.4B+6.9% | $1.4B+13.6% |
| Retained Earnings | $1.1B+11.1% | $1.1B+10.2% | $1.1B+10.0% | $1.0B+9.3% | $1.0B+8.6% | $990.5M+9.3% | $971.1M+10.2% | $948.5M+11.7% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
FCF Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.6M-88.0% | $86.8M+55.4% | $51.8M+282.9% | $49.5M-7.7% | $30.4M+34.0% | $55.9M+41.0% | $13.5M-69.3% | $53.6M+162.8% |
| Depreciation & Amortization | $1.8M+128.9% | $2.1M-4.0% | $1.8M-12.5% | $1.9M+34.6% | $788K+8.2% | $2.2M+43.4% | $2.1M+61.7% | $1.4M+49.6% |
| Investing Cash Flow | -$100.0M-14.5% | $210.8M+198.7% | -$13.7M+67.1% | -$73.6M-494.1% | -$87.4M-152.4% | -$213.6M-232.4% | -$41.5M+81.6% | $18.7M+108.8% |
| Financing Cash Flow | -$66.9M-188.3% | -$135.1M-181.5% | -$19.1M+95.5% | $25.4M-92.1% | $75.8M+168.8% | $165.6M-11.9% | -$420.9M-4673.9% | $321.7M+303.0% |
| Dividends Paid | $14.2M+0.5% | $13.8M+4.6% | $14.0M+5.8% | $14.1M+5.9% | $14.2M+6.4% | $13.2M+3.7% | $13.2M+3.7% | $13.3M+4.0% |
| Share Buybacks | $12.1M+2274.2% | $24.8M+1273.2% | $22.8M+182.9% | $10.6M+328.3% | $508K+61.3% | $1.8M+2.8% | $8.1M+839.1% | $2.5M-22.8% |
Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow.
FCF Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.0%+6.5pp | 28.1%+0.4pp | 32.5%+2.8pp | 30.4%+3.9pp | 25.5%-5.3pp | 27.7%-4.6pp | 29.8%-7.6pp | 26.5%-5.5pp |
| Return on Equity | 2.8%+0.6pp | 2.4%+0.2pp | 2.9%+0.3pp | 2.7%+0.4pp | 2.2%-0.5pp | 2.3%-0.6pp | 2.5%-0.9pp | 2.3%-0.9pp |
| Return on Assets | 0.4%+0.1pp | 0.3%0.0pp | 0.4%+0.1pp | 0.3%+0.1pp | 0.3%-0.1pp | 0.3%0.0pp | 0.3%-0.1pp | 0.3%-0.1pp |
| Debt-to-Equity | 0.08-0.1x | 0.09-0.1x | 0.170.0x | 0.17+0.1x | 0.17+0.1x | 0.180.0x | 0.190.0x | 0.10-0.1x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| First Commonwealth Financial Corporation FCF | FY2025 | $522.9M | $152.3M | 29.1% | $2.0B | 63/100 |
| Northwest Bancshares, Inc NWBI | FY2025 | $654.7M | $126.0M | 19.3% | $2.2B | 48/100 |
| OFG BANCORP OFG | FY2025 | $731.4M | $205.1M | 28.0% | $2.2B | 56/100 |
| Veritex Holdings, Inc. VBTX | FY2024 | $425.6M | $107.2M | 25.2% | $1.7B | 48/100 |
| City Holding Co CHCO | FY2025 | $314.2M | $130.5M | 41.5% | $2.0B | 59/100 |
| Lakeland Financial Corp LKFN | FY2025 | $269.0M | $103.4M | 38.4% | $1.4B | 59/100 |
Where First Commonwealth Financial Corporation Ranks
Frequently Asked Questions
What is First Commonwealth Financial Corporation's annual revenue?
First Commonwealth Financial Corporation (FCF) reported $522.9M in total revenue for fiscal year 2025. This represents a 9.4% 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 Corporation's revenue growing?
First Commonwealth Financial Corporation (FCF) revenue grew by 9.4% year-over-year, from $478.1M to $522.9M in fiscal year 2025.
Is First Commonwealth Financial Corporation profitable?
Yes, First Commonwealth Financial Corporation (FCF) reported a net income of $152.3M in fiscal year 2025, with a net profit margin of 29.1%.
How much debt does First Commonwealth Financial Corporation have?
As of fiscal year 2025, First Commonwealth Financial Corporation (FCF) had $180.4M in cash and equivalents against $261.7M in long-term debt.
What is First Commonwealth Financial Corporation's net profit margin?
First Commonwealth Financial Corporation (FCF) had a net profit margin of 29.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does First Commonwealth Financial Corporation pay dividends?
Yes, First Commonwealth Financial Corporation (FCF) paid $0.54 per share in dividends during fiscal year 2025.
What is First Commonwealth Financial Corporation's return on equity (ROE)?
First Commonwealth Financial Corporation (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 Corporation's free cash flow?
First Commonwealth Financial Corporation (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 Corporation's operating cash flow?
First Commonwealth Financial Corporation (FCF) generated $187.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are First Commonwealth Financial Corporation's total assets?
First Commonwealth Financial Corporation (FCF) had $12.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are First Commonwealth Financial Corporation's capital expenditures?
First Commonwealth Financial Corporation (FCF) invested $16.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is First Commonwealth Financial Corporation's debt-to-equity ratio?
First Commonwealth Financial Corporation (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 Corporation's return on assets (ROA)?
First Commonwealth Financial Corporation (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 Corporation's P/E ratio?
First Commonwealth Financial Corporation (FCF) trades at 11.9x earnings, its market capitalization divided by net income of $168.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.0B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is First Commonwealth Financial Corporation's price-to-sales ratio?
First Commonwealth Financial Corporation (FCF) trades at 3.7x sales, its market capitalization divided by revenue of $546.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.0B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is First Commonwealth Financial Corporation's Piotroski F-Score?
First Commonwealth Financial Corporation (FCF) has a Piotroski F-Score of 6 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 Corporation's earnings high quality?
First Commonwealth Financial Corporation (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 Corporation?
First Commonwealth Financial Corporation (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.