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First Commonwealth Financial (FCF) Financials

First Commonwealth Financial logo
$20.64 -0.11 (-0.51%)
Closing price 03:59 PM Eastern
Extended Trading
$20.62 -0.01 (-0.05%)
As of 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for First Commonwealth Financial

Annual Income Statements for First Commonwealth Financial

This table shows First Commonwealth Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 50 60 55 107 105 73 138 128 157 143 152
Consolidated Net Income / (Loss)		 50 60 55 107 105 73 138 128 157 143 152
Net Income / (Loss) Continuing Operations		 50 60 55 107 105 73 138 128 157 143 152
Total Pre-Tax Income 		71 85 104 133 131 90 173 160 198 178 191
Total Revenue		 250 264 309 341 355 363 385 411 482 478 523
Net Interest Income / (Expense)		 188 199 229 252 270 268 279 312 386 379 426
Total Interest Income		 204 218 251 292 325 301 294 330 530 600 633
Loans and Leases Interest Income		 173 185 219 257 292 275 268 302 491 541 573
Investment Securities Interest Income		 31 32 32 35 33 26 26 26 30 50 57
Deposits and Money Market Investments Interest Income		 0.01 0.03 0.12 0.17 0.40 0.22 0.40 1.72 9.49 9.07 2.65
Total Interest Expense		 16 19 22 40 55 33 15 18 144 222 207
Deposits Interest Expense		 7.47 7.52 9.42 22 37 22 5.75 6.71 112 191 190
Short-Term Borrowings Interest Expense		 5.02 8.08 8.80 11 8.30 0.70 0.10 2.00 22 20 3.49
Long-Term Debt Interest Expense		 3.10 2.98 3.32 7.29 10 10.00 9.20 8.79 9.96 9.92 13
Other Interest Expense		 - - - - - - - 0.23 0.21 0.18 0.16
Total Non-Interest Income		 61 65 80 89 85 94 107 99 97 99 97
Trust Fees by Commissions		 5.83 5.37 7.10 7.90 8.32 9.10 11 11 11 12 13
Service Charges on Deposit Accounts		 - - - 18 19 16 18 20 21 23 23
Other Service Charges		 32 33 37 16 18 17 19 24 21 22 24
Net Realized & Unrealized Capital Gains on Investments		 3.85 6.33 12 20 12 21 24 12 11 15 15
Other Non-Interest Income		 20 20 24 27 28 31 34 33 34 28 22
Provision for Credit Losses		 15 18 5.09 13 15 57 -1.38 21 15 29 37
Total Non-Interest Expense		 164 160 200 196 210 216 214 230 270 271 295
Salaries and Employee Benefits		 89 87 104 105 112 119 120 126 143 149 164
Net Occupancy & Equipment Expense		 31 32 38 42 45 44 45 48 52 53 55
Marketing Expense		 2.64 2.60 3.79 3.96 4.25 4.68 4.98 5.03 5.71 5.54 6.45
Property & Liability Insurance Claims		 4.01 3.90 3.21 2.01 1.22 2.70 2.53 2.87 6.26 5.97 6.12
Other Operating Expenses		 33 29 36 37 39 42 38 43 49 51 53
Amortization Expense		 0.61 0.55 3.08 3.22 3.34 3.69 3.50 3.20 4.98 5.39 5.50
Impairment Charge		 3.11 1.16 1.83 1.08 1.72 0.68 0.30 0.34 0.20 0.45 0.65
Restructuring Charge		 0.92 3.17 10 1.64 3.54 0.00 0.00 1.70 9.03 0.39 4.38
Income Tax Expense		 21 26 49 25 26 17 35 32 40 36 39
Basic Earnings per Share		 $0.56 $0.67 $0.58 $1.09 $1.07 $0.75 $1.45 $1.37 $1.55 $1.40 $1.48
Weighted Average Basic Shares Outstanding		 89.36M 88.85M 95.22M 99.04M 98.32M 97.50M 95.58M 93.61M 101.56M 101.91M 103.22M
Diluted Earnings per Share		 $0.56 $0.67 $0.58 $1.08 $1.07 $0.75 $1.44 $1.37 $1.54 $1.39 $1.47
Weighted Average Diluted Shares Outstanding		 89.36M 88.85M 95.33M 99.22M 98.59M 97.76M 95.84M 93.89M 101.82M 102.21M 103.52M
Weighted Average Basic & Diluted Shares Outstanding		 89.50M 88.90M 95.10M 98.60M 98.40M 192.32M 188.60M 206.14M 204.49M 101.85M 102.14M
Cash Dividends to Common per Share		 $0.28 $0.28 $0.32 $0.35 $0.40 $0.44 $0.46 $0.48 $0.50 $0.52 $0.54

Quarterly Income Statements for First Commonwealth Financial

This table shows First Commonwealth Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 45 38 37 32 36 33 33 41 41 38 45
Consolidated Net Income / (Loss)		 45 38 37 32 36 33 33 41 45 38 45
Net Income / (Loss) Continuing Operations		 45 38 37 32 36 33 33 41 41 38 45
Total Pre-Tax Income 		57 46 47 41 45 41 42 52 56 47 56
Total Revenue		 120 116 120 121 120 118 131 136 138 134 139
Net Interest Income / (Expense)		 96 92 95 97 95 96 106 111 113 109 112
Total Interest Income		 144 145 151 154 150 147 159 163 164 157 159
Loans and Leases Interest Income		 133 133 136 138 135 132 143 148 150 142 143
Investment Securities Interest Income		 9.69 11 12 13 14 14 15 14 13 13 15
Deposits and Money Market Investments Interest Income		 1.59 1.57 2.89 3.84 0.77 0.89 0.72 0.49 0.55 1.97 1.52
Total Interest Expense		 49 53 56 58 55 52 53 52 51 48 47
Deposits Interest Expense		 38 44 47 50 51 48 48 47 47 45 45
Short-Term Borrowings Interest Expense		 7.51 6.77 6.34 6.28 1.06 0.36 1.51 1.26 0.37 0.17 0.15
Long-Term Debt Interest Expense		 2.66 2.63 2.30 1.82 3.17 3.20 3.22 3.25 3.21 2.59 1.82
Total Non-Interest Income		 24 24 25 25 25 23 25 25 25 25 27
Trust Fees by Commissions		 2.55 2.73 2.82 3.24 3.03 3.02 3.03 3.48 3.38 3.41 3.58
Service Charges on Deposit Accounts		 5.60 5.38 5.55 5.84 - 5.44 5.60 5.91 5.83 5.53 5.74
Other Service Charges		 -16 11 12 9.57 -17 9.91 10 10 -6.42 9.23 5.94
Net Realized & Unrealized Capital Gains on Investments		 2.50 3.39 3.10 3.77 4.82 2.63 4.05 3.59 4.59 4.62 4.77
Other Non-Interest Income		 30 1.29 1.37 2.28 23 1.50 1.94 1.71 17 1.80 6.96
Provision for Credit Losses		 -1.87 4.24 7.83 11 6.49 5.74 13 11 11 11 8.93
Total Non-Interest Expense		 65 66 66 70 69 71 76 73 74 76 74
Salaries and Employee Benefits		 36 35 37 39 38 40 41 41 42 43 43
Net Occupancy & Equipment Expense		 13 14 13 13 13 14 14 14 14 15 13
Marketing Expense		 1.06 1.32 0.90 1.96 1.36 1.37 1.46 1.93 1.69 1.67 1.44
Property & Liability Insurance Claims		 1.65 1.61 1.29 1.64 1.44 1.38 1.55 1.65 1.54 1.59 1.15
Other Operating Expenses		 12 12 12 13 14 13 14 13 13 13 13
Amortization Expense		 1.21 1.26 1.54 1.22 1.37 1.13 1.31 1.57 1.49 1.36 2.81
Impairment Charge		 0.11 0.14 0.08 0.13 0.10 0.22 0.07 0.09 0.28 0.57 0.09
Restructuring Charge		 0.17 0.11 0.00 0.00 0.28 0.11 3.96 0.17 0.15 0.12 0.11
Income Tax Expense		 12 8.93 9.49 8.44 8.77 8.34 8.66 10 12 9.69 12
Basic Earnings per Share		 $0.45 $0.37 $0.36 $0.31 $0.36 $0.32 $0.32 $0.40 $0.44 $0.37 $0.44
Weighted Average Basic Shares Outstanding		 101.56M 101.98M 102.05M 102.07M 101.91M 101.57M 103.63M 104.38M 103.22M 102.12M 101.19M
Diluted Earnings per Share		 $0.44 $0.37 $0.36 $0.31 $0.35 $0.32 $0.32 $0.39 $0.44 $0.37 $0.44
Weighted Average Diluted Shares Outstanding		 101.82M 102.20M 102.29M 102.42M 102.21M 101.86M 103.93M 104.75M 103.52M 102.39M 101.56M
Weighted Average Basic & Diluted Shares Outstanding		 204.49M 102.30M 102.36M 101.78M 101.85M 104.94M 104.54M 103.77M 102.14M 101.68M 101.06M
Cash Dividends to Common per Share		 $0.13 $0.13 $0.13 $0.13 $0.13 $0.13 $0.14 $0.14 $0.14 $0.14 $0.14

Annual Cash Flow Statements for First Commonwealth Financial

This table details how cash moves in and out of First Commonwealth Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -5.09 46 -8.39 -8.35 23 235 39 -241 -7.25 -14 47
Net Cash From Operating Activities		 73 89 88 135 108 106 165 151 151 129 188
Net Cash From Continuing Operating Activities		 73 89 88 135 108 106 165 151 151 129 188
Net Income / (Loss) Continuing Operations		 50 60 55 107 105 73 138 128 157 143 152
Consolidated Net Income / (Loss)		 50 60 55 107 105 73 138 128 157 143 152
Provision For Loan Losses		 15 18 5.09 13 15 57 -1.38 21 15 29 37
Depreciation Expense		 7.64 7.12 9.00 8.05 10 12 11 11 4.10 5.69 6.63
Amortization Expense		 2.79 4.52 3.53 3.08 3.89 6.18 4.77 2.03 1.33 0.74 0.02
Non-Cash Adjustments to Reconcile Net Income		 5.65 -2.11 4.10 -3.49 -14 -35 1.69 -16 -20 -48 -17
Changes in Operating Assets and Liabilities, net		 -8.43 1.67 11 7.59 -13 -7.15 10 5.18 -6.78 -0.31 9.27
Net Cash From Investing Activities		 -142 494 -53 -348 123 -483 -565 -589 -574 -122 -388
Net Cash From Continuing Investing Activities		 -142 494 -53 -348 123 -483 -565 -589 -574 -122 -388
Purchase of Property, Leasehold Improvements and Equipment		 -4.89 -7.49 -12 -9.60 -17 -7.62 -11 -11 -22 -16 -16
Purchase of Investment Securities		 -666 -347 -464 -642 -534 -1,142 -1,205 -892 -980 -675 -975
Sale and/or Maturity of Investments		 528 848 423 304 674 666 650 315 427 569 603
Net Cash From Financing Activities		 65 -537 -44 204 -208 612 439 196 416 -21 248
Net Cash From Continuing Financing Activities		 65 -537 -44 204 -208 612 439 196 416 -21 248
Net Change in Deposits		 -210 132 149 177 309 761 544 23 431 486 295
Issuance of Debt		 410 0.00 0.00 101 50 -84 21 0.00 0.00 127 0.00
Issuance of Common Equity		 0.19 0.22 0.23 0.21 0.21 0.22 0.22 0.25 0.25 0.20 0.25
Repayment of Debt		 -80 -639 -161 -24 -510 -1.09 -51 233 51 -569 44
Repurchase of Common Equity		 -25 -0.86 -1.46 -26 -6.26 -21 -31 -16 -15 -13 -36
Payment of Dividends		 -25 -25 -31 -35 -39 -43 -44 -45 -51 -53 -55

Quarterly Cash Flow Statements for First Commonwealth Financial

This table details how cash moves in and out of First Commonwealth Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -190 163 -122 394 -449 7.95 19 1.25 19 163 -163
Net Cash From Operating Activities		 44 40 23 54 14 56 30 49 52 87 3.64
Net Cash From Continuing Operating Activities		 44 40 22 54 14 56 30 49 52 87 3.64
Net Income / (Loss) Continuing Operations		 45 38 37 32 36 33 33 41 45 38 45
Consolidated Net Income / (Loss)		 45 38 37 32 36 33 33 41 45 38 45
Provision For Loan Losses		 -1.87 4.24 7.83 11 6.49 5.74 13 11 7.01 11 8.93
Depreciation Expense		 1.27 1.50 0.73 1.40 2.06 2.15 0.79 1.88 1.80 2.07 1.80
Amortization Expense		 0.28 0.24 0.20 0.20 0.10 0.04 -0.03 0.02 -0.01 -0.02 -0.12
Non-Cash Adjustments to Reconcile Net Income		 -2.17 -8.36 -22 -4.96 -13 9.95 -14 0.13 -13 13 -17
Changes in Operating Assets and Liabilities, net		 1.68 4.47 -1.77 14 -17 5.31 -2.02 -5.19 11 24 -34
Net Cash From Investing Activities		 -225 -64 -35 19 -42 -214 -87 -74 -14 211 -100
Net Cash From Continuing Investing Activities		 -225 -64 -35 19 -42 -214 -87 -74 -14 211 -100
Purchase of Investment Securities		 -286 -178 -183 -113 -201 -359 -245 -193 -179 -133 -228
Sale and/or Maturity of Investments		 98 114 148 132 175 146 152 120 186 344 128
Net Cash From Financing Activities		 -8.82 188 -110 322 -421 166 76 25 -19 -135 -67
Net Cash From Continuing Financing Activities		 -8.82 188 -110 322 -421 166 76 25 -19 -135 -67
Net Change in Deposits		 -49 254 -37 337 -68 184 -35 127 20 159 -150
Issuance of Debt		 1.37 -51 -8.93 1.22 186 -2.62 146 -76 -67 -125 115
Repayment of Debt		 52 -0.33 -50 -0.34 -518 -0.35 -21 -0.35 65 -130 -6.67
Repurchase of Common Equity		 -0.86 -1.76 -0.32 -2.48 -8.08 -1.81 -0.51 -11 -23 -25 -12
Payment of Dividends		 -13 -13 -13 -13 -13 -13 -14 -14 -14 -14 -14

Annual Balance Sheets for First Commonwealth Financial

This table presents First Commonwealth Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 6,567 6,684 7,309 7,828 8,309 9,068 9,545 9,806 11,459 11,585 12,343
Cash and Due from Banks		 67 91 99 96 102 100 85 124 125 105 103
Interest Bearing Deposits at Other Banks		 2.81 25 8.67 3.01 20 257 311 30 22 28 77
Trading Account Securities		 1,277 1,158 1,153 1,303 1,239 1,193 1,583 1,224 1,440 1,553 1,805
Loans and Leases, Net of Allowance		 4,633 4,829 5,359 5,726 6,138 6,660 6,747 7,539 -118 -119 9,382
Loans and Leases		 4,684 4,879 5,407 5,774 6,189 6,761 6,839 7,642 - - 9,508
Allowance for Loan and Lease Losses		 51 50 48 48 52 101 93 103 118 119 126
Premises and Equipment, Net		 63 68 81 80 137 126 121 115 121 116 114
Goodwill		 165 187 255 274 303 303 303 303 364 364 378
Intangible Assets		 1.23 12 15 13 16 13 11 9.21 23 20 22
Other Assets		 359 315 322 320 337 383 7,113 449 9,453 9,466 461
Total Liabilities & Shareholders' Equity		 6,567 6,684 7,309 7,828 8,309 9,068 9,545 9,806 11,459 11,585 12,343
Total Liabilities		 5,847 5,934 6,420 6,853 7,253 7,999 8,436 8,754 10,145 10,180 10,789
Non-Interest Bearing Deposits		 1,117 1,269 1,417 1,466 1,690 2,320 2,659 2,671 2,389 2,250 2,373
Interest Bearing Deposits		 3,079 3,679 4,164 4,432 4,987 5,119 5,324 5,335 6,804 7,428 7,878
Short-Term Debt		 1,511 868 707 722 202 117 138 373 598 80 148
Long-Term Debt		 81 81 80 178 227 227 176 176 182 259 258
Capital Lease Obligations		 - 0.00 7.59 7.22 6.82 6.39 5.92 5.43 4.89 4.33 3.72
Other Long-Term Liabilities		 59 38 44 48 139 210 133 194 168 159 128
Total Equity & Noncontrolling Interests		 720 750 888 975 1,056 1,069 1,109 1,052 1,314 1,405 1,554
Total Preferred & Common Equity		 720 750 888 975 1,056 1,069 1,109 1,052 1,314 1,405 1,554
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 720 750 888 975 1,056 1,069 1,109 1,052 1,314 1,405 1,554
Common Stock		 472 472 584 606 608 609 610 611 754 755 802
Retained Earnings		 378 413 437 511 577 597 691 775 881 971 1,068
Treasury Stock		 -128 -128 -127 -131 -135 -154 -183 -196 -209 -218 -251
Accumulated Other Comprehensive Income / (Loss)		 -2.39 -7.03 -6.17 -11 5.58 17 -8.77 -138 -112 -103 -65

Quarterly Balance Sheets for First Commonwealth Financial

This table presents First Commonwealth Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 11,114 11,319 11,422 11,694 11,627 11,983 11,786 12,237 12,310 12,263 12,208
Cash and Due from Banks		 114 123 123 77 110 127 119 121 117 118 110
Interest Bearing Deposits at Other Banks		 282 326 214 233 78 456 23 39 44 225 69
Trading Account Securities		 1,213 1,194 1,280 1,520 1,576 1,618 1,714 1,653 1,601 1,651 1,712
Loans and Leases, Net of Allowance		 8,523 8,666 8,767 8,881 8,871 8,839 -120 -133 -130 -129 9,340
Loans and Leases		 8,657 8,800 8,902 9,000 8,995 8,966 - - - - 9,467
Allowance for Loan and Lease Losses		 134 134 134 119 124 126 120 133 130 129 127
Premises and Equipment, Net		 130 124 123 119 119 117 115 117 117 114 113
Goodwill		 360 364 364 364 364 364 364 379 378 378 378
Intangible Assets		 26 25 24 22 21 20 19 24 23 21 20
Other Assets		 466 496 527 479 488 443 9,553 10,037 10,160 9,884 466
Total Liabilities & Shareholders' Equity		 11,114 11,319 11,422 11,694 11,627 11,983 11,786 12,237 12,310 12,263 12,208
Total Liabilities		 9,889 10,086 10,181 10,362 10,264 10,574 10,339 10,719 10,769 10,710 10,639
Non-Interest Bearing Deposits		 2,698 2,624 2,536 2,334 2,305 2,464 2,274 2,327 2,420 2,370 2,414
Interest Bearing Deposits		 6,537 6,522 6,705 7,112 7,104 7,282 7,588 7,778 7,811 8,040 7,846
Short-Term Debt		 279 543 544 547 538 539 78 226 150 23 138
Long-Term Debt		 182 182 182 182 132 132 259 258 258 129 122
Capital Lease Obligations		 5.29 5.16 5.03 4.76 4.61 4.47 4.18 4.03 3.88 3.56 3.40
Other Long-Term Liabilities		 187 210 209 182 181 153 137 127 126 145 116
Total Equity & Noncontrolling Interests		 1,225 1,232 1,241 1,333 1,363 1,410 1,447 1,518 1,542 1,553 1,569
Total Preferred & Common Equity		 1,225 1,232 1,241 1,333 1,363 1,410 1,447 1,518 1,542 1,553 1,569
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,225 1,232 1,241 1,333 1,363 1,410 1,447 1,518 1,542 1,553 1,569
Common Stock		 754 754 754 754 755 755 757 803 803 803 803
Retained Earnings		 793 823 849 906 930 948 991 1,010 1,037 1,092 1,122
Treasury Stock		 -197 -205 -208 -209 -208 -211 -219 -219 -229 -274 -286
Accumulated Other Comprehensive Income / (Loss)		 -125 -139 -154 -119 -113 -83 -81 -76 -69 -68 -71

Annual Metrics And Ratios for First Commonwealth Financial

This table displays calculated financial ratios and metrics derived from First Commonwealth Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 103,765,987.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 103,765,987.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.47
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.15% 5.54% 17.25% 10.27% 4.25% 2.08% 6.22% 6.65% 17.36% -0.86% 9.37%
EBITDA Growth		 4.31% 18.99% 20.01% 23.78% 0.84% -25.55% 74.97% -8.61% 17.49% -9.04% 7.24%
EBIT Growth		 14.24% 20.08% 21.70% 28.00% -1.45% -31.06% 91.59% -7.31% 23.33% -9.79% 7.38%
NOPAT Growth		 12.80% 18.84% -7.43% 94.87% -2.01% -30.27% 88.24% -7.29% 22.53% -9.23% 6.82%
Net Income Growth		 12.80% 18.84% -7.43% 94.87% -2.01% -30.27% 88.24% -7.29% 22.53% -9.23% 6.82%
EPS Growth		 16.67% 19.64% -13.43% 86.21% -0.93% -29.91% 92.00% -4.86% 12.41% -9.74% 5.76%
Operating Cash Flow Growth		 -11.43% 22.71% -1.08% 53.18% -20.43% -1.80% 56.15% -8.26% -0.43% -14.13% 44.86%
Free Cash Flow Firm Growth		 27.65% 341.91% -89.53% -229.55% 643.40% -70.58% -12.58% -137.52% -601.73% 246.85% -112.88%
Invested Capital Growth		 16.55% -26.52% -0.90% 11.81% -20.75% -4.86% 0.75% 12.31% 30.69% -16.70% 12.34%
Revenue Q/Q Growth		 1.42% 2.46% 4.89% 0.38% 1.65% 0.77% 0.58% 4.05% 1.62% 0.08% 3.46%
EBITDA Q/Q Growth		 5.37% 14.11% 3.86% 2.84% -0.19% -0.52% 6.17% 0.43% 5.27% -5.86% 4.04%
EBIT Q/Q Growth		 6.24% 15.96% 4.13% 3.06% -0.55% -1.58% 7.29% 0.79% 6.37% -6.36% 4.39%
NOPAT Q/Q Growth		 4.88% 15.18% -20.16% 27.25% -0.17% -1.52% 7.04% 0.75% 6.15% -5.92% 6.30%
Net Income Q/Q Growth		 4.88% 15.18% -20.16% 27.25% -0.17% -1.52% 7.04% 0.75% 6.15% -5.92% 6.30%
EPS Q/Q Growth		 3.70% 15.52% -21.62% 27.06% 0.00% -1.32% 7.46% 2.24% 3.36% -6.08% 6.52%
Operating Cash Flow Q/Q Growth		 -5.40% 11.24% -4.67% 14.06% -9.22% 4.01% 6.97% -1.87% 0.86% -19.07% 25.61%
Free Cash Flow Firm Q/Q Growth		 -52.10% 1,185.04% -84.13% -171.99% 0.31% 4,643.24% -11.86% -120.08% 35.62% 1,183.27% -123.13%
Invested Capital Q/Q Growth		 6.84% -21.47% -5.86% 7.80% 9.91% -0.66% 1.19% 23.35% 6.45% -16.14% 0.54%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 32.59% 36.74% 37.61% 42.22% 40.84% 29.78% 49.06% 42.04% 42.09% 38.62% 37.87%
EBIT Margin		 28.41% 32.33% 33.56% 38.95% 36.82% 24.87% 44.85% 38.98% 40.96% 37.27% 36.59%
Profit (Net Income) Margin		 20.07% 22.60% 17.85% 31.54% 29.64% 20.25% 35.88% 31.19% 32.57% 29.82% 29.13%
Tax Burden Percent		 70.64% 69.92% 53.18% 80.96% 80.50% 81.42% 80.00% 80.02% 79.50% 80.00% 79.59%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.36% 30.08% 46.82% 19.04% 19.50% 18.58% 20.00% 19.98% 20.50% 20.00% 20.41%
Return on Invested Capital (ROIC)		 2.33% 2.97% 3.26% 6.03% 6.24% 5.05% 9.71% 8.44% 8.48% 7.41% 8.21%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.33% 2.97% 3.26% 6.03% 6.24% 5.05% 9.71% 8.44% 8.48% 7.41% 8.21%
Return on Net Nonoperating Assets (RNNOA)		 4.65% 5.14% 3.47% 5.51% 4.13% 1.87% 2.99% 3.42% 4.80% 3.07% 2.09%
Return on Equity (ROE)		 6.99% 8.11% 6.74% 11.54% 10.37% 6.92% 12.70% 11.86% 13.27% 10.49% 10.29%
Cash Return on Invested Capital (CROIC)		 -12.95% 33.54% 4.17% -5.12% 29.40% 10.02% 8.95% -3.15% -18.13% 25.64% -3.42%
Operating Return on Assets (OROA)		 1.10% 1.29% 1.48% 1.75% 1.62% 1.04% 1.86% 1.66% 1.86% 1.55% 1.60%
Return on Assets (ROA)		 0.78% 0.90% 0.79% 1.42% 1.31% 0.85% 1.49% 1.32% 1.48% 1.24% 1.27%
Return on Common Equity (ROCE)		 6.99% 8.11% 6.74% 11.54% 10.37% 6.92% 12.70% 11.86% 13.27% 10.49% 10.29%
Return on Equity Simple (ROE_SIMPLE)		 6.97% 7.95% 6.21% 11.02% 9.98% 6.87% 12.46% 12.18% 11.95% 10.15% 9.80%
Net Operating Profit after Tax (NOPAT)		 50 60 55 107 105 73 138 128 157 143 152
NOPAT Margin		 20.07% 22.60% 17.85% 31.54% 29.64% 20.25% 35.88% 31.19% 32.57% 29.82% 29.13%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 48.99% 46.25% 47.15% 44.30% 45.38% 46.10% 43.89% 43.46% 41.49% 43.43% 43.16%
Operating Expenses to Revenue		 65.60% 60.66% 64.80% 57.37% 59.09% 59.50% 55.50% 55.88% 55.97% 56.63% 56.38%
Earnings before Interest and Taxes (EBIT)		 71 85 104 133 131 90 173 160 198 178 191
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 81 97 116 144 145 108 189 173 203 185 198
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.84 1.31 1.25 1.00 1.13 0.86 1.25 1.15 1.15 1.22 1.12
Price to Tangible Book Value (P/TBV)		 1.10 1.78 1.79 1.42 1.62 1.23 1.74 1.63 1.63 1.67 1.51
Price to Revenue (P/Rev)		 2.43 3.71 3.59 2.86 3.36 2.55 3.60 2.93 3.14 3.57 3.32
Price to Earnings (P/E)		 12.11 16.43 20.09 9.08 11.33 12.58 10.03 9.40 9.63 11.99 11.40
Dividend Yield		 4.10% 2.55% 2.81% 3.56% 3.29% 4.58% 3.11% 3.68% 3.34% 3.07% 3.20%
Earnings Yield		 8.26% 6.09% 4.98% 11.01% 8.82% 7.95% 9.97% 10.63% 10.38% 8.34% 8.77%
Enterprise Value to Invested Capital (EV/IC)		 0.92 1.07 1.07 0.95 1.01 0.65 0.92 1.00 1.02 1.10 1.00
Enterprise Value to Revenue (EV/Rev)		 8.53 6.87 5.81 5.23 4.24 2.53 3.41 3.91 4.46 4.01 3.76
Enterprise Value to EBITDA (EV/EBITDA)		 26.16 18.71 15.45 12.40 10.39 8.50 6.94 9.29 10.59 10.39 9.93
Enterprise Value to EBIT (EV/EBIT)		 30.01 21.26 17.32 13.44 11.52 10.18 7.59 10.02 10.88 10.77 10.28
Enterprise Value to NOPAT (EV/NOPAT)		 42.48 30.41 32.56 16.60 14.32 12.50 9.49 12.52 13.69 13.46 12.91
Enterprise Value to Operating Cash Flow (EV/OCF)		 29.28 20.30 20.34 13.19 14.01 8.68 7.95 10.60 14.26 14.82 10.48
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 2.69 25.50 0.00 3.04 6.29 10.29 0.00 0.00 3.89 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.21 1.27 0.90 0.93 0.41 0.33 0.29 0.53 0.60 0.24 0.26
Long-Term Debt to Equity		 0.11 0.11 0.10 0.19 0.22 0.22 0.16 0.17 0.14 0.19 0.17
Financial Leverage		 1.99 1.73 1.06 0.91 0.66 0.37 0.31 0.40 0.57 0.41 0.25
Leverage Ratio		 9.00 9.02 8.54 8.12 7.95 8.18 8.55 8.95 8.99 8.47 8.09
Compound Leverage Factor		 9.00 9.02 8.54 8.12 7.95 8.18 8.55 8.95 8.99 8.47 8.09
Debt to Total Capital		 68.88% 55.86% 47.25% 48.18% 29.23% 24.71% 22.42% 34.49% 37.38% 19.63% 20.86%
Short-Term Debt to Total Capital		 65.35% 51.09% 42.02% 38.35% 13.53% 8.27% 9.67% 23.21% 28.48% 4.58% 7.53%
Long-Term Debt to Total Capital		 3.52% 4.76% 5.22% 9.83% 15.70% 16.44% 12.75% 11.28% 8.90% 15.04% 13.33%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 31.12% 44.14% 52.75% 51.82% 70.77% 75.29% 77.58% 65.51% 62.62% 80.37% 79.14%
Debt to EBITDA		 19.56 9.80 6.84 6.30 3.00 3.25 1.70 3.21 3.87 1.86 2.07
Net Debt to EBITDA		 18.71 8.60 5.92 5.61 2.17 -0.06 -0.40 2.31 3.14 1.14 1.16
Long-Term Debt to EBITDA		 1.00 0.84 0.76 1.29 1.61 2.16 0.96 1.05 0.92 1.42 1.32
Debt to NOPAT		 31.76 15.92 14.42 8.44 4.14 4.77 2.32 4.32 5.00 2.41 2.69
Net Debt to NOPAT		 30.37 13.98 12.47 7.52 2.98 -0.08 -0.54 3.12 4.06 1.47 1.51
Long-Term Debt to NOPAT		 1.63 1.36 1.59 1.72 2.22 3.18 1.32 1.41 1.19 1.84 1.72
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -278 673 70 -91 496 146 128 -48 -336 493 -63
Operating Cash Flow to CapEx		 1,488.66% 1,191.74% 761.84% 1,409.14% 619.29% 1,388.04% 1,551.33% 1,351.06% 684.21% 832.77% 1,165.64%
Free Cash Flow to Firm to Interest Expense		 -17.83 36.21 3.24 -2.28 8.95 4.43 8.34 -2.70 -2.33 2.23 -0.31
Operating Cash Flow to Interest Expense		 4.67 4.81 4.06 3.38 1.94 3.21 10.79 8.54 1.04 0.58 0.91
Operating Cash Flow Less CapEx to Interest Expense		 4.35 4.40 3.52 3.14 1.63 2.98 10.09 7.91 0.89 0.51 0.83
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.05 0.04 0.04 0.04 0.04 0.05 0.04 0.04
Fixed Asset Turnover		 3.89 4.03 4.15 4.21 3.26 2.76 3.13 3.48 4.09 4.03 4.54
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,312 1,699 1,684 1,882 1,492 1,419 1,430 1,606 2,099 1,748 1,964
Invested Capital Turnover		 0.12 0.13 0.18 0.19 0.21 0.25 0.27 0.27 0.26 0.25 0.28
Increase / (Decrease) in Invested Capital		 328 -613 -15 199 -391 -72 11 176 493 -351 216
Enterprise Value (EV)		 2,130 1,812 1,796 1,784 1,508 918 1,312 1,605 2,150 1,919 1,966
Market Capitalization		 607 979 1,108 976 1,194 924 1,387 1,205 1,513 1,709 1,737
Book Value per Share		 $8.09 $8.43 $9.11 $9.81 $10.74 $11.12 $11.69 $11.27 $12.87 $13.81 $14.98
Tangible Book Value per Share		 $6.23 $6.20 $6.34 $6.92 $7.49 $7.82 $8.37 $7.92 $9.09 $10.04 $11.12
Total Capital		 2,312 1,699 1,684 1,882 1,492 1,419 1,430 1,606 2,099 1,748 1,964
Total Debt		 1,592 949 795 907 436 351 321 554 785 343 410
Total Long-Term Debt		 81 81 88 185 234 233 182 181 187 263 262
Net Debt		 1,523 833 688 808 314 -5.95 -75 400 638 210 229
Capital Expenditures (CapEx)		 4.89 7.49 12 9.60 17 7.62 11 11 22 16 16
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,592 949 795 907 436 351 321 554 785 343 410
Total Depreciation and Amortization (D&A)		 10 12 13 11 14 18 16 13 5.43 6.43 6.65
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.56 $0.67 $0.58 $1.09 $1.07 $0.75 $1.45 $1.37 $1.55 $1.40 $1.48
Adjusted Weighted Average Basic Shares Outstanding		 89.36M 88.85M 95.22M 99.04M 98.32M 97.50M 95.58M 93.61M 101.56M 101.91M 103.22M
Adjusted Diluted Earnings per Share		 $0.56 $0.67 $0.58 $1.08 $1.07 $0.75 $1.44 $1.37 $1.54 $1.39 $1.47
Adjusted Weighted Average Diluted Shares Outstanding		 89.36M 88.85M 95.33M 99.22M 98.59M 97.76M 95.84M 93.89M 101.82M 102.21M 103.52M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $1.07 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 88.96M 89.10M 97.52M 98.64M 98.26M 192.32M 188.60M 206.14M 204.49M 101.85M 102.14M
Normalized Net Operating Profit after Tax (NOPAT)		 53 63 62 110 110 74 138 130 164 143 156
Normalized NOPAT Margin		 21.21% 23.75% 19.92% 32.18% 30.83% 20.40% 35.95% 31.59% 34.09% 29.96% 29.89%
Pre Tax Income Margin		 28.41% 32.33% 33.56% 38.95% 36.82% 24.87% 44.85% 38.98% 40.96% 37.27% 36.59%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.55 4.59 4.76 3.32 2.36 2.74 11.30 9.03 1.37 0.80 0.93
NOPAT to Interest Expense		 3.22 3.21 2.53 2.69 1.90 2.23 9.04 7.23 1.09 0.64 0.74
EBIT Less CapEx to Interest Expense		 4.24 4.18 4.23 3.08 2.05 2.51 10.60 8.40 1.22 0.73 0.85
NOPAT Less CapEx to Interest Expense		 2.90 2.80 2.00 2.45 1.59 2.00 8.34 6.60 0.94 0.57 0.66
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 50.03% 41.80% 55.31% 32.42% 37.40% 58.52% 31.54% 34.78% 32.35% 36.90% 36.43%
Augmented Payout Ratio		 100.66% 43.25% 57.96% 56.78% 43.34% 86.98% 54.18% 46.95% 41.88% 45.75% 59.93%

Quarterly Metrics And Ratios for First Commonwealth Financial

This table displays calculated financial ratios and metrics derived from First Commonwealth Financial's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - 103,765,987.00 102,143,230.00 101,684,455.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 103,765,987.00 102,143,230.00 101,684,455.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 0.43 0.37 0.44
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.85% -0.88% -1.75% -1.12% 0.32% 1.49% 8.97% 12.18% 14.53% 13.16% 6.45%
EBITDA Growth		 21.14% 20.07% -12.05% -16.67% -19.71% -10.35% -1.93% 27.52% 16.42% 13.98% 35.32%
EBIT Growth		 26.37% 22.52% -13.13% -17.77% -21.33% -11.71% -1.62% 27.86% 18.05% 15.10% 33.78%
NOPAT Growth		 25.45% 24.24% -13.31% -18.21% -20.03% -12.92% -9.94% 28.80% 25.18% 14.84% 33.49%
Net Income Growth		 25.45% 24.24% -13.31% -18.21% -20.03% -12.92% -9.94% 28.80% 25.18% 14.84% 33.49%
EPS Growth		 12.82% 23.33% -14.29% -18.42% -20.45% -13.51% -11.11% 25.81% 25.71% 15.63% 37.50%
Operating Cash Flow Growth		 3.02% 2.71% -52.47% 162.84% -69.29% 40.97% 33.98% -7.67% 282.87% 55.36% -88.02%
Free Cash Flow Firm Growth		 -219.34% -6.57% 93.82% 87.15% 186.25% 192.43% 272.86% 313.00% -144.23% -62.35% 240.77%
Invested Capital Growth		 30.69% 22.12% 3.78% 5.74% -16.70% -13.48% -1.51% -6.30% 12.34% -4.46% -8.66%
Revenue Q/Q Growth		 -2.08% -3.12% 3.36% 0.84% -0.66% -1.99% 10.99% 3.81% 1.42% -3.16% 4.40%
EBITDA Q/Q Growth		 15.27% -17.24% -1.50% -11.32% 11.06% -7.59% 7.76% 15.31% 1.39% -9.52% 17.61%
EBIT Q/Q Growth		 15.08% -18.05% 0.21% -12.99% 10.10% -8.03% 11.66% 13.08% 1.66% -10.33% 19.14%
NOPAT Q/Q Growth		 14.26% -16.24% -1.23% -13.49% 11.73% -8.80% 2.16% 23.73% 8.59% -16.33% 18.75%
Net Income Q/Q Growth		 14.26% -16.24% -1.23% -13.49% 11.73% -8.80% 2.16% 23.73% 8.59% -16.33% 18.75%
EPS Q/Q Growth		 15.79% -15.91% -2.70% -13.89% 12.90% -8.57% 0.00% 21.88% 12.82% -15.91% 18.92%
Operating Cash Flow Q/Q Growth		 115.84% -9.94% -42.76% 136.23% -74.79% 313.45% -45.59% 62.79% 4.56% 67.77% -95.81%
Free Cash Flow Firm Q/Q Growth		 28.92% 24.86% 88.99% -118.56% 576.86% -19.47% -79.41% 169.31% -199.02% 168.55% 86.40%
Invested Capital Q/Q Growth		 6.45% -1.58% -1.41% 2.36% -16.14% 2.23% 12.24% -2.62% 0.54% -13.06% 7.30%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 48.54% 41.47% 39.52% 34.75% 38.85% 36.63% 35.57% 39.50% 39.49% 36.90% 41.56%
EBIT Margin		 47.25% 39.97% 38.75% 33.44% 37.06% 34.77% 34.98% 38.11% 38.19% 35.36% 40.36%
Profit (Net Income) Margin		 37.35% 32.29% 30.85% 26.47% 29.77% 27.70% 25.50% 30.39% 32.54% 28.11% 31.98%
Tax Burden Percent		 79.03% 80.78% 79.63% 79.17% 80.34% 79.67% 79.41% 79.75% 79.52% 79.50% 79.24%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 91.80% 100.00% 107.14% 100.00% 100.00%
Effective Tax Rate		 20.97% 19.22% 20.37% 20.83% 19.66% 20.33% 20.59% 20.25% 20.48% 20.50% 20.76%
Return on Invested Capital (ROIC)		 9.72% 8.27% 7.39% 6.24% 7.40% 6.90% 6.19% 7.61% 9.17% 8.66% 9.11%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.72% 8.27% 7.39% 6.24% 7.40% 6.90% 6.19% 7.61% 9.17% 8.66% 9.11%
Return on Net Nonoperating Assets (RNNOA)		 5.50% 3.88% 4.00% 3.31% 3.07% 2.66% 2.50% 2.80% 2.33% 1.43% 2.22%
Return on Equity (ROE)		 15.22% 12.15% 11.39% 9.54% 10.47% 9.56% 8.69% 10.41% 11.50% 10.09% 11.33%
Cash Return on Invested Capital (CROIC)		 -18.13% -11.17% 4.23% 1.89% 25.64% 21.61% 8.15% 13.60% -3.42% 13.55% 17.83%
Operating Return on Assets (OROA)		 2.14% 1.69% 1.62% 1.36% 1.54% 1.42% 1.44% 1.59% 1.67% 1.58% 1.81%
Return on Assets (ROA)		 1.69% 1.36% 1.29% 1.08% 1.24% 1.13% 1.05% 1.26% 1.42% 1.26% 1.43%
Return on Common Equity (ROCE)		 15.22% 12.15% 11.39% 9.54% 10.47% 9.56% 8.69% 10.41% 11.50% 10.09% 11.33%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 12.33% 11.65% 10.75% 0.00% 9.52% 8.83% 9.29% 0.00% 10.12% 10.73%
Net Operating Profit after Tax (NOPAT)		 45 38 37 32 36 33 33 41 45 38 45
NOPAT Margin		 37.35% 32.29% 30.85% 26.47% 29.77% 27.70% 25.50% 30.39% 32.54% 28.11% 31.98%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 41.89% 43.24% 42.56% 44.26% 43.64% 47.05% 42.42% 41.51% 42.14% 44.26% 41.25%
Operating Expenses to Revenue		 54.30% 56.39% 54.74% 57.81% 57.55% 60.37% 58.22% 53.56% 54.00% 56.60% 53.24%
Earnings before Interest and Taxes (EBIT)		 57 46 47 41 45 41 46 52 53 47 56
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 58 48 48 42 47 43 47 54 54 49 58
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.15 1.05 1.03 1.24 1.22 1.08 1.11 1.15 1.12 1.15 1.31
Price to Tangible Book Value (P/TBV)		 1.63 1.48 1.43 1.70 1.67 1.47 1.51 1.55 1.51 1.55 1.75
Price to Revenue (P/Rev)		 3.14 2.91 2.93 3.65 3.57 3.27 3.44 3.50 3.32 3.31 3.76
Price to Earnings (P/E)		 9.63 8.51 8.84 11.50 11.99 11.40 12.26 12.02 11.40 11.34 12.20
Dividend Yield		 3.34% 3.65% 3.68% 2.99% 3.07% 3.37% 3.26% 3.14% 3.20% 3.10% 2.70%
Earnings Yield		 10.38% 11.75% 11.32% 8.69% 8.34% 8.78% 8.16% 8.32% 8.77% 8.82% 8.20%
Enterprise Value to Invested Capital (EV/IC)		 1.02 0.88 0.93 0.88 1.10 0.99 1.01 1.03 1.00 0.93 1.17
Enterprise Value to Revenue (EV/Rev)		 4.46 3.79 3.94 3.84 4.01 3.69 4.11 3.99 3.76 2.96 3.91
Enterprise Value to EBITDA (EV/EBITDA)		 10.59 8.63 9.23 9.36 10.39 9.84 11.29 10.60 9.93 7.81 9.75
Enterprise Value to EBIT (EV/EBIT)		 10.88 8.84 9.48 9.65 10.77 10.24 11.73 11.00 10.28 8.07 10.09
Enterprise Value to NOPAT (EV/NOPAT)		 13.69 11.08 11.90 12.11 13.46 12.84 15.05 14.08 12.91 10.14 12.70
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.26 12.00 14.89 11.48 14.82 12.14 13.15 13.51 10.48 7.30 11.15
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 22.34 47.78 3.89 4.25 12.25 7.35 0.00 6.73 6.25
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.60 0.55 0.49 0.48 0.24 0.24 0.32 0.27 0.26 0.10 0.17
Long-Term Debt to Equity		 0.14 0.14 0.10 0.10 0.19 0.18 0.17 0.17 0.17 0.09 0.08
Financial Leverage		 0.57 0.47 0.54 0.53 0.41 0.39 0.40 0.37 0.25 0.17 0.24
Leverage Ratio		 8.99 8.92 8.84 8.83 8.47 8.45 8.29 8.23 8.09 8.02 7.92
Compound Leverage Factor		 8.99 8.92 8.84 8.83 8.47 8.45 7.61 8.23 8.66 8.02 7.92
Debt to Total Capital		 37.38% 35.49% 33.10% 32.38% 19.63% 19.03% 24.34% 21.07% 20.86% 9.07% 14.36%
Short-Term Debt to Total Capital		 28.48% 26.46% 26.40% 25.85% 4.58% 4.34% 11.26% 7.66% 7.53% 1.34% 7.53%
Long-Term Debt to Total Capital		 8.90% 9.03% 6.71% 6.54% 15.04% 14.70% 13.08% 13.42% 13.33% 7.73% 6.83%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 62.62% 64.52% 66.90% 67.62% 80.37% 80.97% 75.66% 78.93% 79.14% 90.93% 85.64%
Debt to EBITDA		 3.87 3.47 3.30 3.44 1.86 1.89 2.73 2.16 2.07 0.76 1.20
Net Debt to EBITDA		 3.14 2.00 2.38 0.47 1.14 1.11 1.84 1.31 1.16 -0.92 0.38
Long-Term Debt to EBITDA		 0.92 0.88 0.67 0.69 1.42 1.46 1.47 1.38 1.32 0.65 0.57
Debt to NOPAT		 5.00 4.46 4.25 4.45 2.41 2.47 3.64 2.87 2.69 0.99 1.56
Net Debt to NOPAT		 4.06 2.57 3.06 0.61 1.47 1.44 2.45 1.75 1.51 -1.20 0.50
Long-Term Debt to NOPAT		 1.19 1.13 0.86 0.90 1.84 1.91 1.96 1.83 1.72 0.84 0.74
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -448 -337 -37 -81 386 311 64 173 -171 117 218
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -9.23 -6.33 -0.67 -1.40 7.04 6.03 1.22 3.35 -3.37 2.43 4.66
Operating Cash Flow to Interest Expense		 0.91 0.75 0.41 0.93 0.25 1.08 0.58 0.96 1.02 1.80 0.08
Operating Cash Flow Less CapEx to Interest Expense		 0.91 0.75 0.41 0.93 0.25 1.08 0.58 0.96 1.02 1.80 0.08
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 4.09 3.87 3.94 3.98 4.03 4.11 4.15 4.33 4.54 4.72 4.75
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,099 2,066 2,037 2,085 1,748 1,787 2,006 1,953 1,964 1,708 1,832
Invested Capital Turnover		 0.26 0.26 0.24 0.24 0.25 0.25 0.24 0.25 0.28 0.31 0.29
Increase / (Decrease) in Invested Capital		 493 374 74 113 -351 -279 -31 -131 216 -80 -174
Enterprise Value (EV)		 2,150 1,822 1,888 1,836 1,919 1,768 2,017 2,017 1,966 1,594 2,137
Market Capitalization		 1,513 1,399 1,402 1,743 1,709 1,569 1,689 1,767 1,737 1,782 2,054
Book Value per Share		 $12.87 $13.03 $13.32 $13.77 $13.81 $14.21 $14.46 $14.75 $14.98 $15.20 $15.43
Tangible Book Value per Share		 $9.09 $9.26 $9.56 $10.02 $10.04 $10.45 $10.63 $10.91 $11.12 $11.29 $11.51
Total Capital		 2,099 2,066 2,037 2,085 1,748 1,787 2,006 1,953 1,964 1,708 1,832
Total Debt		 785 733 674 675 343 340 488 412 410 155 263
Total Long-Term Debt		 187 186 137 136 263 263 262 262 262 132 125
Net Debt		 638 423 486 93 210 199 328 250 229 -188 83
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 785 733 674 675 343 340 488 412 410 155 263
Total Depreciation and Amortization (D&A)		 1.55 1.74 0.93 1.60 2.16 2.20 0.76 1.90 1.79 2.05 1.68
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.45 $0.37 $0.36 $0.31 $0.36 $0.32 $0.32 $0.40 $0.44 $0.37 $0.44
Adjusted Weighted Average Basic Shares Outstanding		 101.56M 101.98M 102.05M 102.07M 101.91M 101.57M 103.63M 104.38M 103.22M 102.12M 101.19M
Adjusted Diluted Earnings per Share		 $0.44 $0.37 $0.36 $0.31 $0.35 $0.32 $0.32 $0.39 $0.44 $0.37 $0.44
Adjusted Weighted Average Diluted Shares Outstanding		 101.82M 102.20M 102.29M 102.42M 102.21M 101.86M 103.93M 104.75M 103.52M 102.39M 101.56M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 204.49M 102.30M 102.36M 101.78M 101.85M 104.94M 104.54M 103.77M 102.14M 101.68M 101.06M
Normalized Net Operating Profit after Tax (NOPAT)		 45 38 37 32 36 33 37 42 45 38 45
Normalized NOPAT Margin		 37.53% 32.47% 30.91% 26.56% 30.02% 27.92% 27.94% 30.54% 32.79% 28.52% 32.09%
Pre Tax Income Margin		 47.25% 39.97% 38.75% 33.44% 37.06% 34.77% 32.11% 38.11% 40.92% 35.36% 40.36%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.17 0.87 0.84 0.70 0.81 0.80 0.87 1.00 1.04 0.98 1.20
NOPAT to Interest Expense		 0.92 0.71 0.67 0.56 0.65 0.63 0.63 0.80 0.88 0.78 0.95
EBIT Less CapEx to Interest Expense		 1.17 0.87 0.84 0.70 0.81 0.80 0.87 1.00 1.04 0.98 1.20
NOPAT Less CapEx to Interest Expense		 0.92 0.71 0.67 0.56 0.65 0.63 0.63 0.80 0.88 0.78 0.95
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 32.35% 31.15% 32.53% 34.40% 36.90% 38.54% 40.24% 38.19% 36.43% 35.70% 33.37%
Augmented Payout Ratio		 41.88% 40.27% 36.41% 37.97% 45.75% 47.75% 49.84% 52.86% 59.93% 73.11% 75.16%

Financials Breakdown Chart

Key Financial Trends

First Commonwealth Financial’s recent results show improving profitability, stronger capital, and moderate balance-sheet growth. The most recent quarter, Q2 2026, was particularly strong on earnings, although cash flow and deposit trends were less favorable.

  • Earnings momentum has improved. Q2 2026 net income rose to $44.6 million from $33.4 million in Q2 2025, a 33.5% increase. Diluted EPS increased to $0.44 from $0.32.
  • Revenue and net interest income continue to expand. Q2 2026 revenue increased 6.4% year over year to $139.4 million, while net interest income rose 5.8% to $112.4 million. Net interest income has generally improved from approximately $82.4 million in Q2 2023 to the current level.
  • Credit-loss provisions declined. The Q2 2026 provision for credit losses fell to $8.9 million from $12.7 million in Q2 2025. Provisions have remained well below the elevated levels recorded during parts of 2023 and 2024, supporting pretax income.
  • Operating expenses are becoming more controlled. Q2 2026 non-interest expense declined 2.7% year over year to $74.2 million, despite higher salaries and employee benefits than in Q2 2024. Restructuring and impairment charges were also relatively small in the latest quarter.
  • The balance sheet has grown over the long term. Total assets increased from $11.3 billion in Q2 2023 to $12.2 billion in Q2 2026. Deposits rose from approximately $9.1 billion to $10.3 billion over the same period, providing a larger funding base.
  • Common equity has strengthened. Total common equity increased from $1.23 billion in Q2 2023 to $1.57 billion in Q2 2026. Retained earnings also rose steadily, reaching $1.12 billion in the latest quarter.
  • Shareholder distributions have increased. The quarterly common dividend rose from $0.12 per share in 2023 to $0.14 in Q2 2026. The company has also continued repurchasing shares, although the pace has varied by quarter.
  • Cash flow is highly volatile, as is typical for a bank. Operating cash flow was positive in each reported quarter, but ranged from $3.6 million in Q2 2026 to $86.8 million in Q1 2026. Investment-security purchases and deposit movements caused significant quarter-to-quarter swings in total cash.
  • The asset mix has shifted. Q2 2026 trading account securities increased to $1.71 billion, while interest-bearing deposits at other banks declined sharply from $224.8 million in Q1 to $69.3 million. Cash and due from banks also declined modestly to $110.3 million.
  • Deposits declined during Q2 2026. Net change in deposits was negative $149.8 million during the quarter, compared with a $158.9 million increase in Q1. Total interest-bearing deposits fell from $8.04 billion at Q1-end to $7.85 billion at Q2-end, which could pressure future funding and interest margins if the trend continues.

Overall, the statements point to a healthier earnings profile than First Commonwealth had in 2023 and early 2024. Revenue, net interest income, EPS, retained earnings, and common equity have trended higher, while credit-loss provisions and some operating costs have moderated. Investors should nevertheless monitor deposit retention, the sharp decline in quarterly operating cash flow, and the company’s continued reliance on investment securities and wholesale funding movements.

Some historical balance-sheet entries are incomplete or inconsistently tagged, particularly net loans and leases in portions of 2025. The comparisons above therefore place greater weight on consistently reported totals, deposits, equity, revenue, earnings, and cash-flow measures.

09/23/26 05:37 PM ETAI Generated. May Contain Errors.

First Commonwealth Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, First Commonwealth Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

First Commonwealth Financial's net income appears to be on an upward trend, with a most recent value of $152.30 million in 2025, rising from $50.14 million in 2015. The previous period was $142.57 million in 2024. Check out First Commonwealth Financial's forecast to explore projected trends and price targets.

Over the last 10 years, First Commonwealth Financial's total revenue changed from $249.80 million in 2015 to $522.91 million in 2025, a change of 109.3%.

First Commonwealth Financial's total liabilities were at $10.79 billion at the end of 2025, a 6.0% increase from 2024, and a 84.5% increase since 2015.

In the past 10 years, First Commonwealth Financial's cash and equivalents has ranged from $66.64 million in 2015 to $125.44 million in 2023, and is currently $103.28 million as of their latest financial filing in 2025.

Over the last 10 years, First Commonwealth Financial's book value per share changed from 8.09 in 2015 to 14.98 in 2025, a change of 85.2%.


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Financial statements for NYSE:FCF last updated on 8/10/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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