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Apr 28, 2026·SEC
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First Commonwealth Financial Corporation(FCF)Earnings, Financials & Key Ratios
FCF•NYSE•Banking & Credit
$18.59
$1.9B mkt cap·12.6× P/E·Price updated May 6, 2026
AboutFirst Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include 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, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. It also offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. As of December 31, 2021, the company operated 118 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio; corporate banking centers in Pittsburgh, Pennsylvania, as well as Columbus, Canton, and Cleveland, Ohio; and mortgage banking offices in Wexford, Pennsylvania, and Hudson, Westlake, as well as Lewis Center, Ohio. It also operates 136 automated teller machines. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.Show more
- Net Interest Income$424M+12.5%
- Total Revenue$729M+4.3%
- Net Income$152M+6.8%
- Return on Equity10.29%-1.8%
- Net Interest Margin3.43%+5.4%
- Efficiency Ratio40.41%+4.4%
- ROA1.27%+2.8%
- Equity / Assets12.57%+3.6%
- Book Value per Share15.00+9.1%
- Tangible BV/Share11.14+11.4%
- Debt/Equity0.29+19.2%
FCF Key Insights
First Commonwealth Financial Corporation (FCF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 15.7%
- ✓Efficient operations: 40.4% efficiency ratio
- ✓Well capitalized: 12.6% equity/assets
- ✓Healthy dividend yield of 2.9%
- ✓Trading near 52-week high
- ✓Trading at only 1.2x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FCF Price & Volume
First Commonwealth Financial Corporation (FCF) stock price & volume — 10-year historical chart
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FCF Growth Metrics
First Commonwealth Financial Corporation (FCF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.64%
5 Years13.01%
3 Years19.39%
TTM-
Profit CAGR
10 Years11.75%
5 Years15.7%
3 Years5.92%
TTM6.82%
EPS CAGR
10 Years10.13%
5 Years14.41%
3 Years2.38%
TTM5.04%
Return on Capital
10 Years9.76%
5 Years9.76%
3 Years8.6%
Last Year2.85%
FCF Recent Earnings
First Commonwealth Financial Corporation (FCF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 28, 2026EPS
$0.37
Est $0.40
-7.5%
Revenue
$134M
Est $134M
-0.5%
Q1 2026
Jan 27, 2026EPS
$0.43
Est $0.41
+4.9%
Revenue
$138M
Est $136M
+1.6%
Q4 2025
Oct 28, 2025EPS
$0.39
Est $0.41
-4.9%
Revenue
$136M
Est $138M
-1.5%
Q3 2025
Jul 29, 2025EPS
$0.38
Est $0.34
+11.8%
Revenue
$131M
Est $134M
-2.3%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.37vs $0.40-7.5% | $134Mvs $134M-0.5% |
| Q1 2026 | Jan 27, 2026 | $0.43vs $0.41+4.9% | $138Mvs $136M+1.6% |
| Q4 2025 | Oct 28, 2025 | $0.39vs $0.41-4.9% | $136Mvs $138M-1.5% |
| Q3 2025 | Jul 29, 2025 | $0.38vs $0.34+11.8% | $131Mvs $134M-2.3% |
Based on last 12 quarters of dataView full earnings history →
FCF Peer Comparison
First Commonwealth Financial Corporation (FCF) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 FULT | 4.19B | 21.79 | 10.48 | 5.03% | 11.6% | 0.37 | ||
 WSFS | 3.8B | 72.11 | 14.17 | -3.05% | 10.65% | 0.11 | ||
 PFIS | 589.34M | 58.90 | 10.02 | 22.26% | 11.81% | 0.50 | ||
 FNB | 6.5B | 18.19 | 11.66 | 4.94% | 8.36% | 0.58 | ||
 UMBF | 10.2B | 133.96 | 14.67 | 68.52% | 11.67% | 0.49 | ||
 IBCP | 696.01M | 33.81 | 10.34 | -0.3% | 14.2% | 0.23 | ||
 FFBC | 3.21B | 30.67 | 11.53 | 2.75% | 9.77% | 0.43 |
Compare FCF vs Peers
First Commonwealth Financial Corporation (FCF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FCF Income Statement
First Commonwealth Financial Corporation (FCF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 227.11M | 250.36M | 268.25M | 267.58M | 278.02M | 311.34M | 382.67M | 376.84M | 424.07M |
| NII Growth % | 15.75% | 10.24% | 7.15% | -0.25% | 3.9% | 11.99% | 22.91% | -1.52% | 12.53% |
| Net Interest Margin % | 3.11% | 3.2% | 3.23% | 2.95% | 2.91% | 3.18% | 3.34% | 3.25% | 3.43% |
| Interest Income | 250.55M | 292.26M | 325.26M | 300.52M | 293.32M | 329.08M | 526.99M | 598.41M | 630.67M |
| Interest Expense | 21.77M | 40.03M | 55.4M | 32.94M | 15.3M | 17.73M | 144.32M | 221.57M | 206.6M |
| Loan Loss Provision | 5.09M | 12.53M | 14.53M | 56.72M | -1.38M | 21.11M | 14.81M | 29.17M | 29.72M |
| Non-Interest Income | 80.33M | 88.64M | 85.48M | 95.16M | 107.28M | 99.58M | 99.62M | 101.28M | 98.77M |
| Non-Interest Income % | 24.28% | 23.27% | 20.81% | 24.05% | 26.78% | 23.23% | 15.9% | 14.48% | 13.54% |
| Total Revenue | 330.88M▲ 0% | 380.89M▲ 15.1% | 410.75M▲ 7.8% | 395.69M▼ 3.7% | 400.6M▲ 1.2% | 428.66M▲ 7.0% | 626.61M▲ 46.2% | 699.69M▲ 11.7% | 729.44M▲ 4.3% |
| Revenue Growth % | 17.25% | 15.12% | 7.84% | -3.67% | 1.24% | 7.01% | 46.18% | 11.66% | 4.25% |
| Non-Interest Expense | 200.3M | 195.56M | 209.97M | 215.83M | 213.86M | 229.64M | 269.92M | 270.75M | 294.76M |
| Efficiency Ratio | 60.53% | 51.34% | 51.12% | 54.54% | 53.38% | 53.57% | 43.08% | 38.69% | 40.41% |
| Operating Income | 103.73M▲ 0% | 132.77M▲ 28.0% | 130.85M▼ 1.4% | 90.2M▼ 31.1% | 172.82M▲ 91.6% | 160.19M▼ 7.3% | 197.56M▲ 23.3% | 178.21M▼ 9.8% | 198.36M▲ 11.3% |
| Operating Margin % | 31.35% | 34.86% | 31.86% | 22.8% | 43.14% | 37.37% | 31.53% | 25.47% | 27.19% |
| Operating Income Growth % | 21.7% | 28% | -1.45% | -31.06% | 91.59% | -7.31% | 23.33% | -9.79% | 11.31% |
| Pretax Income | 103.73M▲ 0% | 132.77M▲ 28.0% | 130.85M▼ 1.4% | 90.2M▼ 31.1% | 172.82M▲ 91.6% | 160.19M▼ 7.3% | 197.56M▲ 23.3% | 178.21M▼ 9.8% | 191.36M▲ 7.4% |
| Pretax Margin % | 31.35% | 34.86% | 31.86% | 22.8% | 43.14% | 37.37% | 31.53% | 25.47% | 26.23% |
| Income Tax | 48.56M | 25.27M | 25.52M | 16.76M | 34.56M | 32M | 40.49M | 35.64M | 39.06M |
| Effective Tax Rate % | 46.82% | 19.04% | 19.5% | 18.58% | 20% | 19.98% | 20.5% | 20% | 20.41% |
| Net Income | 55.16M▲ 0% | 107.5M▲ 94.9% | 105.33M▼ 2.0% | 73.45M▼ 30.3% | 138.26M▲ 88.2% | 128.18M▼ 7.3% | 157.06M▲ 22.5% | 142.57M▼ 9.2% | 152.3M▲ 6.8% |
| Net Margin % | 16.67% | 28.22% | 25.64% | 18.56% | 34.51% | 29.9% | 25.07% | 20.38% | 20.88% |
| Net Income Growth % | -7.43% | 94.87% | -2.01% | -30.27% | 88.24% | -7.29% | 22.53% | -9.23% | 6.82% |
| Net Income (Continuing) | 55.16M | 107.5M | 105.33M | 73.45M | 138.26M | 128.18M | 157.06M | 142.57M | 152.3M |
| EPS (Diluted) | 0.57▲ 0% | 1.08▲ 89.5% | 1.07▼ 0.9% | 0.75▼ 29.9% | 1.44▲ 92.0% | 1.37▼ 4.9% | 1.54▲ 12.4% | 1.39▼ 9.7% | 1.47▲ 5.8% |
| EPS Growth % | -14.93% | 89.47% | -0.93% | -29.91% | 92% | -4.86% | 12.41% | -9.74% | 5.76% |
| EPS (Basic) | 0.57 | 1.09 | 1.07 | 0.76 | 1.47 | 1.37 | 1.55 | 1.40 | 1.48 |
| Diluted Shares Outstanding | 97.46M | 99.53M | 98.59M | 97.76M | 95.84M | 93.89M | 101.82M | 102.2M | 103.64M |
FCF Balance Sheet
First Commonwealth Financial Corporation (FCF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 838.65M | 1.01B | 1.02B | 1.19B | 1.44B | 916.9M | 1.17B | 1.28B | 103.28M |
| Cash & Due from Banks | 107.29M | 98.95M | 121.86M | 356.58M | 395.37M | 154.24M | 146.99M | 133.41M | 103.28M |
| Short Term Investments | 731.36M | 909.25M | 902.29M | 831.22M | 1.04B | 762.66M | 1.02B | 1.15B | 0 |
| Total Investments | 6.56B | 7.07B | 7.41B | 7.9B | 8.36B | 8.8B | 10.37B | 10.5B | 11.31B |
| Investments Growth % | 8.85% | 7.87% | 4.75% | 6.6% | 5.85% | 5.27% | 17.84% | 1.25% | 7.73% |
| Long-Term Investments | 5.83B | 6.16B | 6.51B | 7.07B | 7.32B | 8.04B | 9.35B | 9.35B | 11.31B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 270.36M | 287.24M | 319.69M | 316.82M | 314.52M | 312.53M | 386.54M | 383.35M | 400.23M |
| Goodwill | 255.35M | 274.2M | 303.33M | 303.33M | 303.33M | 303.33M | 363.71M | 363.71M | 378.21M |
| Intangible Assets | 15.01M | 13.04M | 16.37M | 13.49M | 11.19M | 9.21M | 22.82M | 19.64M | 22.02M |
| PP&E (Net) | 81.34M | 80.47M | 137.27M | 125.52M | 120.78M | 115.11M | 121.02M | 116.11M | 114.28M |
| Other Assets | 292.33M | 288.11M | 320.28M | 370.58M | 353.61M | 422.44M | 433.22M | 451.01M | 366.1M |
| Total Current Assets | 838.65M | 1.01B | 1.02B | 1.19B | 1.44B | 916.9M | 1.17B | 1.28B | 103.28M |
| Total Non-Current Assets | 6.47B | 6.82B | 7.28B | 7.88B | 8.11B | 8.89B | 10.29B | 10.3B | 12.26B |
| Total Assets | 7.31B▲ 0% | 7.83B▲ 7.1% | 8.31B▲ 6.1% | 9.07B▲ 9.1% | 9.55B▲ 5.3% | 9.81B▲ 2.7% | 11.46B▲ 16.9% | 11.58B▲ 1.1% | 12.37B▲ 6.7% |
| Asset Growth % | 9.34% | 7.11% | 6.14% | 9.14% | 5.26% | 2.73% | 16.87% | 1.09% | 6.74% |
| Return on Assets (ROA) | 0.79% | 1.42% | 1.31% | 0.85% | 1.49% | 1.32% | 1.48% | 1.24% | 1.27% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 795.38M | 906.88M | 436.04M | 350.63M | 320.58M | 553.92M | 784.59M | 343.12M | 452.33M |
| Net Debt | 688.09M | 807.93M | 314.18M | -5.95M | -74.79M | 399.67M | 637.6M | 209.72M | 349.06M |
| Long-Term Debt | 80.33M | 177.84M | 227.37M | 226.87M | 175.64M | 175.8M | 181.09M | 257.86M | 130.19M |
| Short-Term Debt | 707.47M | 721.82M | 201.85M | 117.37M | 138.31M | 372.69M | 597.84M | 80.14M | 281.15M |
| Other Liabilities | 44.32M | 47.99M | 139.46M | 210.19M | 132.64M | 194.21M | 168.31M | 158.63M | 10.34B |
| Total Current Liabilities | 6.29B | 6.62B | 6.88B | 7.56B | 8.12B | 8.38B | 9.79B | 9.76B | 281.15M |
| Total Non-Current Liabilities | 132.24M | 233.05M | 373.64M | 443.45M | 314.91M | 375.43M | 355.07M | 421.61M | 10.53B |
| Total Liabilities | 6.42B | 6.85B | 7.25B | 8B | 8.44B | 8.75B | 10.15B | 10.18B | 10.81B |
| Total Equity | 888.13M▲ 0% | 975.39M▲ 9.8% | 1.06B▲ 8.2% | 1.07B▲ 1.2% | 1.11B▲ 3.8% | 1.05B▼ 5.2% | 1.31B▲ 24.9% | 1.41B▲ 6.9% | 1.55B▲ 10.6% |
| Equity Growth % | 18.43% | 9.83% | 8.23% | 1.23% | 3.81% | -5.16% | 24.92% | 6.92% | 10.62% |
| Equity / Assets (Capital Ratio) | 12.15% | 12.46% | 12.71% | 11.78% | 11.62% | 10.73% | 11.47% | 12.13% | 12.57% |
| Return on Equity (ROE) | 6.74% | 11.54% | 10.37% | 6.92% | 12.7% | 11.86% | 13.27% | 10.49% | 10.29% |
| Book Value per Share | 9.11 | 9.80 | 10.71 | 10.93 | 11.58 | 11.21 | 12.91 | 13.75 | 15.00 |
| Tangible BV per Share | 6.34 | 6.91 | 7.47 | 7.69 | 8.29 | 7.88 | 9.11 | 10.00 | 11.14 |
| Common Stock | 113.92M | 113.92M | 113.92M | 113.92M | 113.92M | 113.92M | 123.6M | 123.6M | 126.6M |
| Additional Paid-in Capital | 470.12M | 492.27M | 493.74M | 494.68M | 496.12M | 497.43M | 630.15M | 631.37M | 675.75M |
| Retained Earnings | 437.42M | 511.41M | 577.35M | 596.61M | 691.26M | 774.86M | 881.11M | 971.08M | 1.07B |
| Accumulated OCI | -6.17M | -11.34M | 5.58M | 17.23M | -8.77M | -137.69M | -111.76M | -102.51M | -64.6M |
| Treasury Stock | -127.15M | -130.87M | -134.91M | -153.83M | -183.16M | -196.44M | -208.84M | -218.37M | -251.26M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FCF Cash Flow Statement
First Commonwealth Financial Corporation (FCF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 88.31M | 135.26M | 107.63M | 105.7M | 165.05M | 151.41M | 150.76M | 129.46M | 187.45M |
| Operating CF Growth % | -1.08% | 53.18% | -20.43% | -1.8% | 56.15% | -8.26% | -0.43% | -14.13% | 44.79% |
| Net Income | 55.16M | 107.5M | 105.33M | 73.45M | 138.26M | 128.18M | 157.06M | 142.57M | 152.3M |
| Depreciation & Amortization | 9M | 8.05M | 10.37M | 11.65M | 11.44M | 10.55M | 4.1M | 5.69M | 6.65M |
| Deferred Taxes | 20.82M | 3.47M | 2.29M | -8.22M | 1.43M | -2.01M | 6.84M | 3.41M | 3.04M |
| Other Non-Cash Items | 0 | 20.35M | -12.01M | 41.24M | -2.22M | 24.93M | -8.8M | -25.89M | 26.38M |
| Working Capital Changes | 430K | -4.1M | 1.65M | -12.5M | 16.14M | -10.23M | -8.45M | 3.68M | -908K |
| Cash from Investing | -52.8M | -347.75M | 122.94M | -483.14M | -565.3M | -588.79M | -574.27M | -121.72M | -388.14M |
| Purchase of Investments | -253.31M | -352.62M | -138.87M | -496.86M | -1.04B | -200K | -338.59M | -492.62M | -354.6M |
| Sale/Maturity of Investments | 343.46M | 204.26M | 244.77M | 591.19M | 555.14M | 225.2M | 173.89M | 376.6M | 434.51M |
| Net Investment Activity | 90.15M | -148.36M | 105.9M | 94.33M | -483.46M | 225M | -164.7M | -116.02M | 79.91M |
| Acquisitions | 3.19M | 705K | 332.47M | 0 | 0 | 0 | 14.49M | 0 | 10.88M |
| Other Investing | -134.54M | -190.5M | -298.05M | -569.85M | -71.21M | -802.58M | -402.03M | 9.84M | -462.84M |
| Cash from Financing | -43.89M | 204.14M | -207.66M | 612.16M | 439.05M | 196.25M | 416.26M | -21.32M | 247.64M |
| Dividends Paid | -30.51M | -34.85M | -39.39M | -42.98M | -43.61M | -44.58M | -50.81M | -52.6M | -55.49M |
| Share Repurchases | -1.46M | -26.19M | -6.26M | -20.91M | -31.3M | -15.6M | -14.96M | -12.63M | -35.79M |
| Stock Issued | 228K | 208K | 211K | 222K | 222K | 245K | 245K | 204K | 245K |
| Net Stock Activity | -1.23M | -25.98M | -6.05M | -20.68M | -31.08M | -15.35M | -14.72M | -12.43M | -35.55M |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K |
| Other Financing | 149.18M | 187.77M | 297.78M | 761.4M | 543.95M | 23.01M | 430.66M | 485.74M | 295.04M |
| Net Change in Cash | -8.38M▲ 0% | -8.35M▲ 0.5% | 22.91M▲ 374.5% | 234.72M▲ 924.6% | 38.79M▼ 83.5% | -241.13M▼ 721.6% | -7.25M▲ 97.0% | -13.58M▼ 87.3% | 46.95M▲ 445.6% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 115.68M | 107.29M | 98.95M | 121.86M | 356.58M | 395.37M | 154.24M | 146.99M | 133.41M |
| Cash at End | 107.29M | 98.95M | 121.86M | 356.58M | 395.37M | 154.24M | 146.99M | 133.41M | 180.36M |
| Interest Paid | 21.55M | 40.07M | 0 | 0 | 0 | 16.4M | 139.87M | 220.15M | 207.5M |
| Income Taxes Paid | 27.9M | 23.83M | 0 | 0 | 0 | 34.33M | 37.53M | 32.2M | 34.66M |
| Free Cash Flow | 76.71M▲ 0% | 125.66M▲ 63.8% | 90.25M▼ 28.2% | 98.08M▲ 8.7% | 154.41M▲ 57.4% | 140.21M▼ 9.2% | 128.72M▼ 8.2% | 113.92M▼ 11.5% | 171.36M▲ 50.4% |
| FCF Growth % | -6.69% | 63.81% | -28.18% | 8.68% | 57.42% | -9.2% | -8.19% | -11.5% | 50.43% |
FCF Banking Ratios
First Commonwealth Financial Corporation (FCF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.11% | 6.74% | 11.54% | 10.37% | 6.92% | 12.7% | 11.86% | 13.27% | 10.49% | 10.29% |
| Return on Assets (ROA) | 0.9% | 0.79% | 1.42% | 1.31% | 0.85% | 1.49% | 1.32% | 1.48% | 1.24% | 1.27% |
| Net Interest Margin | 2.94% | 3.11% | 3.2% | 3.23% | 2.95% | 2.91% | 3.18% | 3.34% | 3.25% | 3.43% |
| Efficiency Ratio | 56.67% | 60.53% | 51.34% | 51.12% | 54.54% | 53.38% | 53.57% | 43.08% | 38.69% | 40.41% |
| Equity / Assets | 11.22% | 12.15% | 12.46% | 12.71% | 11.78% | 11.62% | 10.73% | 11.47% | 12.13% | 12.57% |
| Book Value / Share | 8.43 | 9.11 | 9.8 | 10.71 | 10.93 | 11.58 | 11.21 | 12.91 | 13.75 | 15 |
| NII Growth | 6.03% | 15.75% | 10.24% | 7.15% | -0.25% | 3.9% | 11.99% | 22.91% | -1.52% | 12.53% |
| Dividend Payout | 41.8% | 55.31% | 32.42% | 37.4% | 58.52% | 31.54% | 34.78% | 32.35% | 36.9% | 36.43% |
FCF SEC Filings & Documents
First Commonwealth Financial Corporation (FCF) SEC filings — annual & quarterly reports (10-K, 10-Q)
FCF Frequently Asked Questions
First Commonwealth Financial Corporation (FCF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
First Commonwealth Financial Corporation (FCF) grew revenue by 4.3% over the past year. Growth has been modest.
Yes, First Commonwealth Financial Corporation (FCF) is profitable, generating $152.3M in net income for fiscal year 2025 (20.9% net margin).
Dividend & Returns
Yes, First Commonwealth Financial Corporation (FCF) pays a dividend with a yield of 2.88%. This makes it attractive for income-focused investors.
First Commonwealth Financial Corporation (FCF) has a return on equity (ROE) of 10.3%. This is reasonable for most industries.
Industry Metrics
First Commonwealth Financial Corporation (FCF) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
First Commonwealth Financial Corporation (FCF) has an efficiency ratio of 40.4%. This is excellent, indicating strong cost control.
Explore More FCF
First Commonwealth Financial Corporation (FCF) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates