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First Commonwealth Financial (FCF) Financials

First Commonwealth Financial logo
$18.64 +0.19 (+1.00%)
As of 03:28 PM Eastern
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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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 43 39 45 38 37 32 36 33 37 41 41
Consolidated Net Income / (Loss)		 43 39 45 38 37 32 36 33 33 41 45
Net Income / (Loss) Continuing Operations		 43 39 45 38 37 32 36 33 37 41 41
Total Pre-Tax Income 		54 49 57 46 47 41 45 41 42 52 56
Total Revenue		 122 123 120 116 120 121 120 118 131 136 138
Net Interest Income / (Expense)		 98 98 96 92 95 97 95 96 106 111 113
Total Interest Income		 131 140 144 145 151 154 150 147 159 163 164
Loans and Leases Interest Income		 121 129 133 133 136 138 135 132 143 148 150
Investment Securities Interest Income		 6.53 7.17 9.69 11 12 13 14 14 15 14 13
Deposits and Money Market Investments Interest Income		 4.04 3.35 1.59 1.57 2.89 3.84 0.77 0.89 0.72 0.49 0.55
Total Interest Expense		 33 42 49 53 56 58 55 52 53 52 51
Deposits Interest Expense		 26 33 38 44 47 50 51 48 48 47 47
Short-Term Borrowings Interest Expense		 5.19 6.64 7.51 6.77 6.34 6.28 1.06 0.36 1.51 1.26 0.37
Long-Term Debt Interest Expense		 2.30 2.75 2.66 2.63 2.30 1.82 3.17 3.20 3.22 3.25 3.21
Total Non-Interest Income		 25 25 24 24 25 25 25 23 25 25 25
Trust Fees by Commissions		 2.53 2.95 2.55 2.73 2.82 3.24 3.03 3.02 3.03 3.48 3.38
Service Charges on Deposit Accounts		 5.32 5.60 5.60 5.38 5.55 5.84 - 5.44 5.60 5.91 5.83
Other Service Charges		 12 13 -16 11 12 9.57 -17 9.91 10 10 -6.42
Net Realized & Unrealized Capital Gains on Investments		 3.23 2.23 2.50 3.39 3.10 3.77 4.82 2.63 4.05 3.59 4.59
Other Non-Interest Income		 1.20 1.24 30 1.29 1.37 2.28 23 1.50 1.94 1.71 17
Provision for Credit Losses		 2.79 5.89 -1.87 4.24 7.83 11 6.49 5.74 8.90 11 11
Total Non-Interest Expense		 66 67 65 66 66 70 69 71 76 73 74
Salaries and Employee Benefits		 37 36 36 35 37 39 38 40 41 41 42
Net Occupancy & Equipment Expense		 13 13 13 14 13 13 13 14 14 14 14
Marketing Expense		 1.33 1.66 1.06 1.32 0.90 1.96 1.36 1.37 1.46 1.93 1.69
Property & Liability Insurance Claims		 1.28 1.92 1.65 1.61 1.29 1.64 1.44 1.38 1.55 1.65 1.54
Other Operating Expenses		 13 13 12 12 12 13 14 13 14 13 13
Amortization Expense		 1.28 1.34 1.21 1.26 1.54 1.22 1.37 1.13 1.31 1.57 1.49
Impairment Charge		 0.01 0.05 0.11 0.14 0.08 0.13 0.10 0.22 0.07 0.09 0.28
Restructuring Charge		 -0.06 0.38 0.17 0.11 0.00 0.00 0.28 0.11 3.96 0.17 0.15
Income Tax Expense		 11 10 12 8.93 9.49 8.44 8.77 8.34 8.66 10 12
Basic Earnings per Share		 $0.42 $0.38 $0.45 $0.37 $0.36 $0.31 $0.36 $0.32 $0.32 $0.40 $0.44
Weighted Average Basic Shares Outstanding		 102.53M 102.16M 101.56M 101.98M 102.05M 102.07M 101.91M 101.57M 103.63M 104.38M 103.22M
Diluted Earnings per Share		 $0.42 $0.38 $0.44 $0.37 $0.36 $0.31 $0.35 $0.32 $0.32 $0.39 $0.44
Weighted Average Diluted Shares Outstanding		 102.76M 102.44M 101.82M 102.20M 102.29M 102.42M 102.21M 101.86M 103.93M 104.75M 103.52M
Weighted Average Basic & Diluted Shares Outstanding		 102.41M 102.11M 204.49M 102.30M 102.36M 101.78M 101.85M 104.94M 104.54M 103.77M 102.14M
Cash Dividends to Common per Share		 $0.13 $0.13 $0.13 $0.13 $0.13 $0.13 $0.13 $0.13 $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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 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
Net Change in Cash & Equivalents		 53 -112 -190 163 -122 394 -449 7.95 19 1.25 19
Net Cash From Operating Activities		 48 20 44 40 23 54 14 56 30 49 52
Net Cash From Continuing Operating Activities		 48 20 44 40 22 54 14 56 30 49 52
Net Income / (Loss) Continuing Operations		 43 39 45 38 37 32 36 33 33 41 45
Consolidated Net Income / (Loss)		 43 39 45 38 37 32 36 33 33 41 45
Provision For Loan Losses		 2.79 5.89 -1.87 4.24 7.83 11 6.49 5.74 13 11 7.01
Depreciation Expense		 0.05 0.94 1.27 1.50 0.73 1.40 2.06 2.15 0.79 1.88 1.80
Amortization Expense		 0.35 0.33 0.28 0.24 0.20 0.20 0.10 0.04 -0.03 0.02 -0.01
Non-Cash Adjustments to Reconcile Net Income		 -7.41 -10 -2.17 -8.36 -22 -4.96 -13 9.95 -14 0.13 -13
Changes in Operating Assets and Liabilities, net		 9.18 -16 1.68 4.47 -1.77 14 -17 5.31 -2.02 -5.19 11
Net Cash From Investing Activities		 -148 -212 -225 -64 -35 19 -42 -214 -87 -74 -14
Net Cash From Continuing Investing Activities		 -148 -212 -225 -64 -35 19 -42 -214 -87 -74 -14
Purchase of Investment Securities		 -235 -336 -286 -178 -183 -113 -201 -359 -245 -193 -179
Sale and/or Maturity of Investments		 86 124 98 114 148 132 175 146 152 120 186
Net Cash From Financing Activities		 153 80 -8.82 188 -110 322 -421 166 76 25 -19
Net Cash From Continuing Financing Activities		 153 80 -8.82 188 -110 322 -421 166 76 25 -19
Net Change in Deposits		 -88 95 -49 254 -37 337 -68 184 -35 127 20
Issuance of Debt		 264 1.22 1.37 -51 -8.93 1.22 186 -2.62 146 -76 -67
Issuance of Common Equity		 - - - - - - - - - - 0.01
Repayment of Debt		 -0.32 -0.32 52 -0.33 -50 -0.34 -518 -0.35 -21 -0.35 65
Repurchase of Common Equity		 -9.16 -3.22 -0.86 -1.76 -0.32 -2.48 -8.08 -1.81 -0.51 -11 -23
Payment of Dividends		 -13 -13 -13 -13 -13 -13 -13 -13 -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 1,534
Loans and Leases, Net of Allowance		 4,633 4,829 5,359 5,726 6,138 6,660 6,747 7,539 -118 -119 -126
Allowance for Loan and Lease Losses		 51 50 48 48 52 101 93 103 118 119 126
Loans Held for Sale		 - - 15 12 16 33 19 12 30 52 271
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 9,969
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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2022 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
Total Assets		 9,579 11,114 11,319 11,422 11,694 11,627 11,983 11,786 12,237 12,310
Cash and Due from Banks		 106 114 123 123 77 110 127 119 121 117
Interest Bearing Deposits at Other Banks		 75 282 326 214 233 78 456 23 39 44
Trading Account Securities		 1,276 1,213 1,194 1,280 1,520 1,576 1,618 1,714 1,653 1,601
Loans and Leases, Net of Allowance		 7,253 8,523 8,666 8,767 8,881 8,871 8,839 -120 -133 -130
Allowance for Loan and Lease Losses		 96 134 134 134 119 124 126 120 133 130
Premises and Equipment, Net		 120 130 124 123 119 119 117 115 117 117
Goodwill		 303 360 364 364 364 364 364 364 379 378
Intangible Assets		 9.62 26 25 24 22 21 20 19 24 23
Other Assets		 436 466 496 527 479 488 443 9,553 10,037 10,160
Total Liabilities & Shareholders' Equity		 9,579 11,114 11,319 11,422 11,694 11,627 11,983 11,786 12,237 12,310
Total Liabilities		 8,556 9,889 10,086 10,181 10,362 10,264 10,574 10,339 10,719 10,769
Non-Interest Bearing Deposits		 2,783 2,698 2,624 2,536 2,334 2,305 2,464 2,274 2,327 2,420
Interest Bearing Deposits		 5,295 6,537 6,522 6,705 7,112 7,104 7,282 7,588 7,778 7,811
Short-Term Debt		 98 279 543 544 547 538 539 78 226 150
Long-Term Debt		 176 182 182 182 182 132 132 259 258 258
Capital Lease Obligations		 5.55 5.29 5.16 5.03 4.76 4.61 4.47 4.18 4.03 3.88
Other Long-Term Liabilities		 199 187 210 209 182 181 153 137 127 126
Total Equity & Noncontrolling Interests		 1,023 1,225 1,232 1,241 1,333 1,363 1,410 1,447 1,518 1,542
Total Preferred & Common Equity		 1,023 1,225 1,232 1,241 1,333 1,363 1,410 1,447 1,518 1,542
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,023 1,225 1,232 1,241 1,333 1,363 1,410 1,447 1,518 1,542
Common Stock		 611 754 754 754 754 755 755 757 803 803
Retained Earnings		 750 793 823 849 906 930 948 991 1,010 1,037
Treasury Stock		 -197 -197 -205 -208 -209 -208 -211 -219 -219 -229
Accumulated Other Comprehensive Income / (Loss)		 -142 -125 -139 -154 -119 -113 -83 -81 -76 -69

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 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
DEI Shares Outstanding		 - - - - - - - - - - 103,765,987.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 103,765,987.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.43
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 24.63% 13.22% 6.85% -0.88% -1.75% -1.12% 0.32% 1.49% 8.97% 12.18% 14.53%
EBITDA Growth		 30.18% 11.05% 21.14% 20.07% -12.05% -16.67% -19.71% -10.35% -1.93% 27.52% 16.42%
EBIT Growth		 39.65% 16.10% 26.37% 22.52% -13.13% -17.77% -21.33% -11.71% -1.62% 27.86% 18.05%
NOPAT Growth		 39.11% 15.49% 25.45% 24.24% -13.31% -18.21% -20.03% -12.92% -9.94% 28.80% 25.18%
Net Income Growth		 39.11% 15.49% 25.45% 24.24% -13.31% -18.21% -20.03% -12.92% -9.94% 28.80% 25.18%
EPS Growth		 27.27% 5.56% 12.82% 23.33% -14.29% -18.42% -20.45% -13.51% -11.11% 25.81% 25.71%
Operating Cash Flow Growth		 63.66% -57.78% 3.02% 2.71% -52.47% 162.84% -69.29% 40.97% 33.98% -7.67% 282.87%
Free Cash Flow Firm Growth		 -658.17% -534.45% -219.34% -6.57% 93.82% 87.15% 186.25% 192.43% 272.86% 313.00% -144.23%
Invested Capital Growth		 48.70% 51.43% 30.69% 22.12% 3.78% 5.74% -16.70% -13.48% -1.51% -6.30% 12.34%
Revenue Q/Q Growth		 4.28% 0.19% -2.08% -3.12% 3.36% 0.84% -0.66% -1.99% 10.99% 3.81% 1.42%
EBITDA Q/Q Growth		 34.48% -6.41% 15.27% -17.24% -1.50% -11.32% 11.06% -7.59% 7.76% 15.31% 1.39%
EBIT Q/Q Growth		 41.32% -8.07% 15.08% -18.05% 0.21% -12.99% 10.10% -8.03% 11.66% 13.08% 1.66%
NOPAT Q/Q Growth		 41.55% -8.30% 14.26% -16.24% -1.23% -13.49% 11.73% -8.80% 2.16% 23.73% 8.59%
Net Income Q/Q Growth		 41.55% -8.30% 14.26% -16.24% -1.23% -13.49% 11.73% -8.80% 2.16% 23.73% 8.59%
EPS Q/Q Growth		 40.00% -9.52% 15.79% -15.91% -2.70% -13.89% 12.90% -8.57% 0.00% 21.88% 12.82%
Operating Cash Flow Q/Q Growth		 23.68% -57.28% 115.84% -9.94% -42.76% 136.23% -74.79% 313.45% -45.59% 62.79% 4.56%
Free Cash Flow Firm Q/Q Growth		 -89.90% -5.08% 28.92% 24.86% 88.99% -118.56% 576.86% -19.47% -79.41% 169.31% -199.02%
Invested Capital Q/Q Growth		 16.02% 0.46% 6.45% -1.58% -1.41% 2.36% -16.14% 2.23% 12.24% -2.62% 0.54%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 44.14% 41.24% 48.54% 41.47% 39.52% 34.75% 38.85% 36.63% 35.57% 39.50% 39.49%
EBIT Margin		 43.82% 40.21% 47.25% 39.97% 38.75% 33.44% 37.06% 34.77% 34.98% 38.11% 38.19%
Profit (Net Income) Margin		 34.97% 32.00% 37.35% 32.29% 30.85% 26.47% 29.77% 27.70% 25.50% 30.39% 32.54%
Tax Burden Percent		 79.79% 79.60% 79.03% 80.78% 79.63% 79.17% 80.34% 79.67% 79.41% 79.75% 79.52%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 91.80% 100.00% 107.14%
Effective Tax Rate		 20.21% 20.40% 20.97% 19.22% 20.37% 20.83% 19.66% 20.33% 20.59% 20.25% 20.48%
Return on Invested Capital (ROIC)		 9.81% 9.28% 9.72% 8.27% 7.39% 6.24% 7.40% 6.90% 6.19% 7.61% 9.17%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.81% 9.28% 9.72% 8.27% 7.39% 6.24% 7.40% 6.90% 6.19% 7.61% 9.17%
Return on Net Nonoperating Assets (RNNOA)		 4.30% 4.14% 5.50% 3.88% 4.00% 3.31% 3.07% 2.66% 2.50% 2.80% 2.33%
Return on Equity (ROE)		 14.11% 13.42% 15.22% 12.15% 11.39% 9.54% 10.47% 9.56% 8.69% 10.41% 11.50%
Cash Return on Invested Capital (CROIC)		 -30.47% -31.87% -18.13% -11.17% 4.23% 1.89% 25.64% 21.61% 8.15% 13.60% -3.42%
Operating Return on Assets (OROA)		 1.94% 1.82% 2.14% 1.69% 1.62% 1.36% 1.54% 1.42% 1.44% 1.59% 1.67%
Return on Assets (ROA)		 1.54% 1.45% 1.69% 1.36% 1.29% 1.08% 1.24% 1.13% 1.05% 1.26% 1.42%
Return on Common Equity (ROCE)		 14.11% 13.42% 15.22% 12.15% 11.39% 9.54% 10.47% 9.56% 8.69% 10.41% 11.50%
Return on Equity Simple (ROE_SIMPLE)		 11.58% 11.93% 0.00% 12.33% 11.65% 10.75% 0.00% 9.52% 8.83% 9.29% 0.00%
Net Operating Profit after Tax (NOPAT)		 43 39 45 38 37 32 36 33 33 41 45
NOPAT Margin		 34.97% 32.00% 37.35% 32.29% 30.85% 26.47% 29.77% 27.70% 25.50% 30.39% 32.54%
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		 41.60% 41.08% 41.89% 43.24% 42.56% 44.26% 43.64% 47.05% 42.42% 41.51% 42.14%
Operating Expenses to Revenue		 53.90% 54.99% 54.30% 56.39% 54.74% 57.81% 57.55% 60.37% 58.22% 53.56% 54.00%
Earnings before Interest and Taxes (EBIT)		 54 49 57 46 47 41 45 41 46 52 53
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 54 51 58 48 48 42 47 43 47 54 54
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.01 0.96 1.15 1.05 1.03 1.24 1.22 1.08 1.11 1.15 1.12
Price to Tangible Book Value (P/TBV)		 1.47 1.40 1.63 1.48 1.43 1.70 1.67 1.47 1.51 1.55 1.51
Price to Revenue (P/Rev)		 2.70 2.52 3.14 2.91 2.93 3.65 3.57 3.27 3.44 3.50 3.32
Price to Earnings (P/E)		 8.71 8.09 9.63 8.51 8.84 11.50 11.99 11.40 12.26 12.02 11.40
Dividend Yield		 4.01% 4.19% 3.34% 3.65% 3.68% 2.99% 3.07% 3.37% 3.26% 3.14% 3.20%
Earnings Yield		 11.48% 12.37% 10.38% 11.75% 11.32% 8.69% 8.34% 8.78% 8.16% 8.32% 8.77%
Enterprise Value to Invested Capital (EV/IC)		 0.78 0.81 1.02 0.88 0.93 0.88 1.10 0.99 1.01 1.03 1.00
Enterprise Value to Revenue (EV/Rev)		 3.31 3.35 4.46 3.79 3.94 3.84 4.01 3.69 4.11 3.99 3.76
Enterprise Value to EBITDA (EV/EBITDA)		 8.12 8.25 10.59 8.63 9.23 9.36 10.39 9.84 11.29 10.60 9.93
Enterprise Value to EBIT (EV/EBIT)		 8.52 8.56 10.88 8.84 9.48 9.65 10.77 10.24 11.73 11.00 10.28
Enterprise Value to NOPAT (EV/NOPAT)		 10.68 10.75 13.69 11.08 11.90 12.11 13.46 12.84 15.05 14.08 12.91
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.59 10.64 14.26 12.00 14.89 11.48 14.82 12.14 13.15 13.51 10.48
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 22.34 47.78 3.89 4.25 12.25 7.35 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.59 0.59 0.60 0.55 0.49 0.48 0.24 0.24 0.32 0.27 0.26
Long-Term Debt to Equity		 0.15 0.15 0.14 0.14 0.10 0.10 0.19 0.18 0.17 0.17 0.17
Financial Leverage		 0.44 0.45 0.57 0.47 0.54 0.53 0.41 0.39 0.40 0.37 0.25
Leverage Ratio		 9.14 9.28 8.99 8.92 8.84 8.83 8.47 8.45 8.29 8.23 8.09
Compound Leverage Factor		 9.14 9.28 8.99 8.92 8.84 8.83 8.47 8.45 7.61 8.23 8.66
Debt to Total Capital		 37.20% 37.08% 37.38% 35.49% 33.10% 32.38% 19.63% 19.03% 24.34% 21.07% 20.86%
Short-Term Debt to Total Capital		 27.66% 27.59% 28.48% 26.46% 26.40% 25.85% 4.58% 4.34% 11.26% 7.66% 7.53%
Long-Term Debt to Total Capital		 9.54% 9.49% 8.90% 9.03% 6.71% 6.54% 15.04% 14.70% 13.08% 13.42% 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		 62.80% 62.92% 62.62% 64.52% 66.90% 67.62% 80.37% 80.97% 75.66% 78.93% 79.14%
Debt to EBITDA		 3.89 3.79 3.87 3.47 3.30 3.44 1.86 1.89 2.73 2.16 2.07
Net Debt to EBITDA		 1.50 2.04 3.14 2.00 2.38 0.47 1.14 1.11 1.84 1.31 1.16
Long-Term Debt to EBITDA		 1.00 0.97 0.92 0.88 0.67 0.69 1.42 1.46 1.47 1.38 1.32
Debt to NOPAT		 5.12 4.94 5.00 4.46 4.25 4.45 2.41 2.47 3.64 2.87 2.69
Net Debt to NOPAT		 1.97 2.66 4.06 2.57 3.06 0.61 1.47 1.44 2.45 1.75 1.51
Long-Term Debt to NOPAT		 1.31 1.26 1.19 1.13 0.86 0.90 1.84 1.91 1.96 1.83 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)		 -600 -630 -448 -337 -37 -81 386 311 64 173 -171
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		 -17.94 -14.96 -9.23 -6.33 -0.67 -1.40 7.04 6.03 1.22 3.35 -3.37
Operating Cash Flow to Interest Expense		 1.43 0.48 0.91 0.75 0.41 0.93 0.25 1.08 0.58 0.96 1.02
Operating Cash Flow Less CapEx to Interest Expense		 1.43 0.48 0.91 0.75 0.41 0.93 0.25 1.08 0.58 0.96 1.02
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.05 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.74 3.90 4.09 3.87 3.94 3.98 4.03 4.11 4.15 4.33 4.54
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,963 1,972 2,099 2,066 2,037 2,085 1,748 1,787 2,006 1,953 1,964
Invested Capital Turnover		 0.28 0.29 0.26 0.26 0.24 0.24 0.25 0.25 0.24 0.25 0.28
Increase / (Decrease) in Invested Capital		 643 670 493 374 74 113 -351 -279 -31 -131 216
Enterprise Value (EV)		 1,524 1,591 2,150 1,822 1,888 1,836 1,919 1,768 2,017 2,017 1,966
Market Capitalization		 1,243 1,197 1,513 1,399 1,402 1,743 1,709 1,569 1,689 1,767 1,737
Book Value per Share		 $11.98 $12.11 $12.87 $13.03 $13.32 $13.77 $13.81 $14.21 $14.46 $14.75 $14.98
Tangible Book Value per Share		 $8.20 $8.33 $9.09 $9.26 $9.56 $10.02 $10.04 $10.45 $10.63 $10.91 $11.12
Total Capital		 1,963 1,972 2,099 2,066 2,037 2,085 1,748 1,787 2,006 1,953 1,964
Total Debt		 730 731 785 733 674 675 343 340 488 412 410
Total Long-Term Debt		 187 187 187 186 137 136 263 263 262 262 262
Net Debt		 281 394 638 423 486 93 210 199 328 250 229
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)		 730 731 785 733 674 675 343 340 488 412 410
Total Depreciation and Amortization (D&A)		 0.40 1.26 1.55 1.74 0.93 1.60 2.16 2.20 0.76 1.90 1.79
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.42 $0.38 $0.45 $0.37 $0.36 $0.31 $0.36 $0.32 $0.32 $0.40 $0.44
Adjusted Weighted Average Basic Shares Outstanding		 102.53M 102.16M 101.56M 101.98M 102.05M 102.07M 101.91M 101.57M 103.63M 104.38M 103.22M
Adjusted Diluted Earnings per Share		 $0.42 $0.38 $0.44 $0.37 $0.36 $0.31 $0.35 $0.32 $0.32 $0.39 $0.44
Adjusted Weighted Average Diluted Shares Outstanding		 102.76M 102.44M 101.82M 102.20M 102.29M 102.42M 102.21M 101.86M 103.93M 104.75M 103.52M
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		 102.41M 102.11M 204.49M 102.30M 102.36M 101.78M 101.85M 104.94M 104.54M 103.77M 102.14M
Normalized Net Operating Profit after Tax (NOPAT)		 43 40 45 38 37 32 36 33 37 42 45
Normalized NOPAT Margin		 34.93% 32.28% 37.53% 32.47% 30.91% 26.56% 30.02% 27.92% 27.94% 30.54% 32.79%
Pre Tax Income Margin		 43.82% 40.21% 47.25% 39.97% 38.75% 33.44% 37.06% 34.77% 32.11% 38.11% 40.92%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.60 1.17 1.17 0.87 0.84 0.70 0.81 0.80 0.87 1.00 1.04
NOPAT to Interest Expense		 1.28 0.93 0.92 0.71 0.67 0.56 0.65 0.63 0.63 0.80 0.88
EBIT Less CapEx to Interest Expense		 1.60 1.17 1.17 0.87 0.84 0.70 0.81 0.80 0.87 1.00 1.04
NOPAT Less CapEx to Interest Expense		 1.28 0.93 0.92 0.71 0.67 0.56 0.65 0.63 0.63 0.80 0.88
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 33.40% 33.29% 32.35% 31.15% 32.53% 34.40% 36.90% 38.54% 40.24% 38.19% 36.43%
Augmented Payout Ratio		 44.59% 42.82% 41.88% 40.27% 36.41% 37.97% 45.75% 47.75% 49.84% 52.86% 59.93%

Financials Breakdown Chart

Key Financial Trends

First Commonwealth Financial (NYSE: FCF) has shown several notable trends in its quarterly results over the last four years (2022–2025). The focus below highlights how the core business and liquidity have evolved, along with some cost and credit trends to watch for retail investors.

  • Net interest income rose to 113,201,000 in Q4 2025, up from about 95,081,000 in Q4 2024, signaling stronger core lending and funding income in 2025.
  • Total revenue increased to 137,917,000 in Q4 2025 from 120,416,000 in Q4 2024, reflecting improved overall topline performance.
  • Diluted earnings per share reached 0.44 in Q4 2025, up from about 0.36 in Q4 2024, indicating higher profitability per share.
  • Cash dividends per share rose to 0.14 in 2025 from 0.13 in 2024, signaling a modest improvement in shareholder distributions.
  • Net cash from continuing operating activities was 51,752,000 in Q4 2025, underscoring robust cash generation from core operations.
  • Total non-interest income remained broadly stable in the mid-20 million range across 2024–2025, implying steady fee-based revenue streams.
  • Total deposits stood around 10.23 billion by Q3 2025 (2.42B non-interest bearing + 7.81B interest-bearing), indicating a solid and diversified funding base.
  • Net cash from financing activities has shown negative flows in several quarters, reflecting debt repayments and occasional share activity that can affect near-term liquidity.
  • Asset growth has been positive, with total assets near 12.31 billion by Q3 2025, up from about 11.7 billion in mid-2024, signaling expansion and balance-sheet strength.
  • Total non-interest expense rose to about 74,476,000 in Q4 2025, higher than late-2024 levels, pointing to rising operating costs that pressure profitability.
  • Provision for credit losses rose through 2025 (about 11.327 million in Q3 2025), suggesting higher credit risk provisioning and potential pressure on sustained earnings.

Overall, FCN’s 2025 results show better topline and per-share performance, supported by stronger net interest income and solid cash flow from operations. However, rising credit loss provisions and higher non-interest expenses are risks to monitor in the coming quarters, as they can temper earnings growth even as the balance sheet expands and deposits remain funding-rich.

05/05/26 01:12 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About First Commonwealth Financial's Financials

When does First Commonwealth Financial's fiscal year end?

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

How has First Commonwealth Financial's net income changed over the last 10 years?

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. See First Commonwealth Financial's forecast for analyst expectations on what’s next for the company.

How has First Commonwealth Financial's revenue changed over the last 10 years?

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%.

How much debt does First Commonwealth Financial have?

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.

How much cash does First Commonwealth Financial have?

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.

How has First Commonwealth Financial's book value per share changed over the last 10 years?

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 3/4/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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