FCF · First Commonwealth Financial Corp /Pa/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $47.23M | - | $51.82M | $42.06M | $41.04M | - | $40.53M | $46.58M | $46.48M | - |
| Interest Expense | $48.24M | - | $51.59M | $52.69M | $51.61M | - | $57.81M | $55.69M | $53.16M | - |
| Income Tax | $9.69M | - | $10.49M | $8.66M | $8.34M | - | $8.44M | $9.49M | $8.93M | - |
| Net Income | $37.55M | - | $41.33M | $33.40M | $32.70M | - | $32.09M | $37.09M | $37.55M | - |
| EPS - Basic | $0.37 | - | $0.40 | $0.32 | $0.32 | - | $0.31 | $0.36 | $0.37 | - |
| EPS - Diluted | $0.37 | - | $0.39 | $0.32 | $0.32 | - | $0.31 | $0.36 | $0.37 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $342.94M | $180.36M | $161.41M | $160.17M | $141.36M | $133.41M | $582.31M | $188.29M | $310.37M | $146.99M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $12.26B | $12.34B | $12.31B | $12.24B | $11.79B | $11.58B | $11.98B | $11.63B | $11.69B | $11.46B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $10.71B | $10.79B | $10.77B | $10.72B | $10.34B | $10.18B | $10.57B | $10.26B | $10.36B | $10.15B |
| Stockholders' Equity | $1.55B | $1.55B | $1.54B | $1.52B | $1.45B | $1.41B | $1.41B | $1.36B | $1.33B | $1.31B |
| Retained Earnings | $1.09B | $1.07B | $1.04B | $1.01B | $990.54M | $971.08M | $948.46M | $929.69M | $905.90M | $881.11M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $86.83M | - | - | - | $55.89M | - | - | - | $39.65M | - |
| Investing Cash Flow | $210.81M | - | - | - | ($213.56M) | - | - | - | ($64.24M) | - |
| Financing Cash Flow | ($135.05M) | - | - | - | $165.62M | - | - | - | $187.97M | - |
| CapEx | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.5% | - | 20.2% | 20.6% | 20.3% | - | 20.8% | 20.4% | 19.2% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.3% | - | 0.3% | 0.3% | 0.3% | - |
| Return on equity | 2.4% | - | 2.7% | 2.2% | 2.3% | - | 2.3% | 2.7% | 2.8% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 1.0x | - | 1.0x | 0.8x | 0.8x | - | 0.7x | 0.8x | 0.9x | - |
| Equity multiplier | 7.90 | 7.94 | 7.98 | 8.06 | 8.15 | 8.24 | 8.50 | 8.53 | 8.77 | 8.72 |
| Liabilities / Assets | 0.87 | 0.87 | 0.87 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 | 0.89 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 47.5x | - | 43.7x | 50.7x | 48.6x | - | 55.3x | 38.4x | 37.6x | - |
| P / B | 1.2x | - | 1.2x | 1.1x | 1.1x | - | 1.2x | 1.0x | 1.1x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 15.1% | - | 27.9% | -9.7% | -11.7% | - | -17.8% | -13.1% | 22.5% | - |
| Net income growth (YoY) | 14.8% | - | 28.8% | -9.9% | -12.9% | - | -18.2% | -13.3% | 24.2% | - |
| EPS growth (YoY) | 15.6% | - | 25.8% | -11.1% | -13.5% | - | -18.4% | -14.3% | 23.3% | - |
| EPS CAGR (3y) | 7.2% | - | 2.7% | -1.0% | 3.3% | - | -4.9% | 5.1% | -3.4% | - |
| EPS CAGR (5y) | -2.0% | - | 14.3% | 5.9% | 45.0% | - | 2.8% | 5.2% | 8.2% | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 7.3% | 10.6% | 9.4% | 11.4% | 8.6% | 6.9% | 13.6% | 10.6% | 8.8% | 24.9% |
Peer comparison
Same SIC group: National Commercial Banks
Comparing FIRST COMMONWEALTH FINANCIAL CORP /PA/ against the 5 most active filers in the same SIC group.
Dividends
$0.55/share trailing 12 months · +3.8% YoY
| Ex-date | Per share |
|---|---|
| May 8, 2026 | $0.1400 |
| Feb 6, 2026 | $0.1350 |
| Nov 7, 2025 | $0.1350 |
| Aug 8, 2025 | $0.1350 |
| May 9, 2025 | $0.1350 |
| Feb 7, 2025 | $0.1300 |
| Nov 8, 2024 | $0.1300 |
| Aug 2, 2024 | $0.1300 |
| May 2, 2024 | $0.1300 |
| Feb 8, 2024 | $0.1250 |
| Nov 2, 2023 | $0.1250 |
| Aug 3, 2023 | $0.1250 |
| May 4, 2023 | $0.1250 |
| Feb 2, 2023 | $0.1200 |
| Nov 3, 2022 | $0.1200 |
| Aug 4, 2022 | $0.1200 |
| May 5, 2022 | $0.1200 |
| Feb 3, 2022 | $0.1150 |
| Nov 4, 2021 | $0.1150 |
| Aug 5, 2021 | $0.1150 |
| May 6, 2021 | $0.1150 |
| Feb 4, 2021 | $0.1100 |
| Nov 5, 2020 | $0.1100 |
| Aug 6, 2020 | $0.1100 |