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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $9.40M | - | - | - | - | - |
| Operating Income | $191.36M | $178.21M | $197.56M | $90.20M | $172.82M | $90.20M |
| Interest Expense | $206.60M | $221.57M | $144.32M | $17.73M | $15.30M | $32.94M |
| Income Tax | $39.06M | $35.64M | $40.49M | $32.00M | $34.56M | $16.76M |
| Net Income | $152.30M | $142.57M | $157.06M | $128.18M | $138.26M | $73.45M |
| EPS - Basic | $1.48 | $1.40 | $1.55 | $1.37 | $1.45 | $0.75 |
| EPS - Diluted | $1.47 | $1.39 | $1.54 | $1.37 | $1.44 | $0.75 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $180.36M | $133.41M | $146.99M | $154.24M | $395.37M | $356.58M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $12.34B | $11.58B | $11.46B | $9.81B | $9.55B | $9.07B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | $182.27M | $233.25M |
| Total Liabilities | $10.79B | $10.18B | $10.15B | $8.75B | $8.44B | $8.00B |
| Stockholders' Equity | $1.55B | $1.41B | $1.31B | $1.05B | $1.11B | $1.07B |
| Retained Earnings | $1.07B | $971.08M | $881.11M | $774.86M | $691.26M | $596.61M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $187.54M | $129.46M | $150.76M | $151.41M | $165.05M | $105.70M |
| Investing Cash Flow | ($388.23M) | ($121.72M) | ($574.27M) | ($588.79M) | ($565.30M) | ($483.14M) |
| Financing Cash Flow | $247.64M | ($21.32M) | $416.26M | $196.25M | $439.05M | $612.16M |
| CapEx | $16.09M | $15.55M | $22.03M | $11.21M | $10.64M | $7.62M |
| Free Cash Flow | $171.45M | $113.92M | $128.72M | $140.21M | $154.41M | $98.08M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.13 | 0.80 | 0.82 | 1.09 | 1.12 | 1.34 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.4% | 20.0% | 20.5% | 20.0% | 20.0% | 18.6% |
| Return on assets | 1.2% | 1.2% | 1.4% | 1.3% | 1.4% | 0.8% |
| Return on equity | 9.8% | 10.1% | 12.0% | 12.2% | 12.5% | 6.9% |
| Return on invested capital | - | - | - | - | 10.7% | 5.6% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | 0.16 | 0.22 |
| Debt / Assets | - | - | - | - | 0.02 | 0.03 |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 0.9x | 0.8x | 1.4x | 5.1x | 11.3x | 2.7x |
| Equity multiplier | 7.94 | 8.24 | 8.72 | 9.32 | 8.60 | 8.49 |
| Liabilities / Assets | 0.87 | 0.88 | 0.89 | 0.89 | 0.88 | 0.88 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 11.5x | 12.2x | 10.0x | 10.2x | 11.2x | 14.6x |
| P / B | 1.1x | 1.2x | 1.2x | 1.2x | 1.4x | 1.0x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 7.8x | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 7.4% | -9.8% | 119.0% | -47.8% | 91.6% | -31.1% |
| Net income growth (YoY) | 6.8% | -9.2% | 22.5% | -7.3% | 88.2% | -30.3% |
| EPS growth (YoY) | 5.8% | -9.7% | 12.4% | -4.9% | 92.0% | -29.9% |
| EPS CAGR (3y) | 2.4% | -1.2% | 27.1% | 8.6% | 10.1% | 8.9% |
| EPS CAGR (5y) | 14.4% | 5.4% | 7.4% | 18.8% | 16.5% | 6.0% |
| FCF growth (YoY) | 50.5% | -11.5% | -8.2% | -9.2% | 57.4% | 8.7% |
| FCF CAGR (5y) | 11.8% | 4.8% | 0.5% | 12.5% | 13.4% | 7.6% |
| Book value growth (YoY) | 10.6% | 6.9% | 24.9% | -5.2% | 3.8% | 1.2% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |