First Commonwealth Financial Corporation (FCF) Earnings History
Growth Compounder34 years of earnings data (1992–2025) · Consistent double-digit EPS growth over 5 years
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First Commonwealth Financial Corporation (FCF) Earnings Overview
As of June 28, 2026, First Commonwealth Financial Corporation (FCF) reported trailing twelve-month net income of $157M, reflecting +5.8% year-over-year growth. The company earned $1.53 per diluted share over the past four quarters, with a net profit margin of 20.9%.
Looking at the long-term picture, FCF's 5-year EPS compound annual growth rate (CAGR) stands at +14.4%, showing solid earnings momentum. The company achieved its highest annual net income of $157M in fiscal 2023.
First Commonwealth Financial Corporation maintains industry-leading profitability with a gross margin of 67.6%, operating margin of 27.2%, and net margin of 20.9%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($184M net income, 19.5% margin), FULT ($393M net income, 20.7% margin), WSFS ($308M net income, 21.1% margin), FCF has outperformed on profitability metrics. Compare FCF vs NBTB →
FCF Earnings vs Peers
Earnings metrics vs comparable public companies
FCF Historical Earnings Data (1992–2025)
34 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $152M | +6.8% | $198M | $1.47 | 20.9% | 27.2% |
| 2024 | $143M | -9.2% | $178M | $1.39 | 20.4% | 25.5% |
| 2023 | $157M | +22.5% | $198M | $1.54 | 25.1% | 31.5% |
| 2022 | $128M | -7.3% | $160M | $1.37 | 29.9% | 37.4% |
| 2021 | $138M | +88.2% | $173M | $1.44 | 34.5% | 43.1% |
| 2020 | $73M | -30.3% | $90M | $0.75 | 18.6% | 22.8% |
| 2019 | $105M | -2.0% | $131M | $1.07 | 25.6% | 31.9% |
| 2018 | $107M | +94.9% | $133M | $1.08 | 28.2% | 34.9% |
| 2017 | $55M | -7.4% | $104M | $0.57 | 16.7% | 31.3% |
| 2016 | $60M | +18.8% | $85M | $0.67 | 21.1% | 30.2% |
| 2015 | $50M | +12.8% | $71M | $0.56 | 18.9% | 26.7% |
| 2014 | $44M | +7.2% | $62M | $0.48 | 16.9% | 23.6% |
| 2013 | $41M | -1.1% | $57M | $0.43 | 15.6% | 21.3% |
| 2012 | $42M | +174.7% | $57M | $0.40 | 14.7% | 19.9% |
| 2011 | $15M | -33.5% | $15M | $0.15 | 5.3% | 5.1% |
| 2010 | $23M | +214.5% | $23M | $0.25 | 7.2% | 7.3% |
| 2009 | -$20M | -146.6% | -$46M | $-0.24 | -5.8% | -13.2% |
| 2008 | $43M | -6.8% | $50M | $0.58 | 11.2% | 13.0% |
| 2007 | $46M | -12.7% | $52M | $0.63 | 12.2% | 13.7% |
| 2006 | $53M | -8.4% | $62M | $0.74 | 14.0% | 16.4% |
| 2005 | $58M | +49.6% | $71M | $0.83 | 16.0% | 19.6% |
| 2004 | $39M | -27.5% | $42M | $0.58 | 11.9% | 13.0% |
| 2003 | $53M | +22.5% | $67M | $0.90 | 18.2% | 22.8% |
| 2002 | $44M | -13.3% | $52M | $0.74 | 13.9% | 16.7% |
| 2001 | $50M | +6.2% | $65M | $0.86 | 14.3% | 18.7% |
| 2000 | $47M | -10.9% | $62M | $0.82 | 13.7% | 17.8% |
| 1999 | $53M | +58.7% | $73M | $0.88 | 16.0% | 22.0% |
| 1998 | $33M | -15.4% | $46M | $0.54 | 10.7% | 14.8% |
| 1997 | $40M | +6.2% | $57M | $0.32 | 14.1% | 20.3% |
| 1996 | $37M | +45.9% | $53M | $0.30 | 14.6% | 21.0% |
| 1995 | $26M | -11.1% | $38M | $0.58 | 13.7% | 20.2% |
| 1994 | $29M | +23.7% | $43M | $0.64 | 16.3% | 24.4% |
| 1993 | $23M | +12.6% | $32M | $0.16 | 16.1% | 22.5% |
| 1992 | $21M | - | $28M | $0.14 | 14.6% | 19.7% |
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FCF — Frequently Asked Questions
Quick answers to the most common questions about buying FCF stock.
What is FCF earnings per share (EPS)?
FCF trailing twelve-month (TTM) diluted EPS is $1.53, reflecting +5.8% year-over-year growth. The 5-year EPS CAGR is +14.4%. Complete EPS history from 1992 to 2025 is available in the table on this page.
What is First Commonwealth Financial Corporation's net income?
First Commonwealth Financial Corporation (FCF) trailing twelve-month net income is $157M as of 2025. Earnings grew +5.8% year-over-year. First Commonwealth Financial Corporation has been profitable for 16 consecutive years.
Is FCF profitable?
Yes, FCF is profitable with a TTM net income of $157M and a net profit margin of +20.9%. First Commonwealth Financial Corporation has generated profits for 16 consecutive years.
What is FCF's earnings growth rate?
FCF compound annual EPS growth rates (CAGR): 1-Year: +5.8%, 3-Year: +2.4%, 5-Year: +14.4%, 10-Year: +10.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1992 to 2025.
What are FCF's profit margins?
First Commonwealth Financial Corporation net profit margin is +20.9%, operating margin is +27.2%, and gross margin is +67.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +10.3%.
Is FCF growing earnings?
FCF is growing earnings steadily. YoY EPS growth of +5.8% is consistent with the 5-year CAGR of +14.4%. TTM net income is $157M.
What was FCF's best earnings year?
First Commonwealth Financial Corporation's highest annual net income on record is $157M, achieved in fiscal year 2023. Earnings history on this page spans 1992 to 2025 and includes all annual and quarterly figures.
What were FCF's earnings last quarter?
FCF's most recent reported quarter was Q1 2026. Net income was $38M with diluted EPS of $0.37. For a full breakdown of all quarters, see the quarterly earnings table on this page.