First Commonwealth Financial Corporation

First Commonwealth Financial Corporation

FCFยทNYSE

$18.63

-0.11%
Financial ServicesBanks - Regional

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. It also offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. As of December 31, 2021, the company operated 118 community banking offices in western and central Pennsylvania, as well as northeastern, central, and southwestern Ohio; corporate banking centers in Pittsburgh, Pennsylvania, as well as Columbus, Canton, and Cleveland, Ohio; and mortgage banking offices in Wexford, Pennsylvania, and Hudson, Westlake, as well as Lewis Center, Ohio. It also operates 136 automated teller machines. First Commonwealth Financial Corporation was founded in 1934 and is headquartered in Indiana, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$1.89B
EPS1.4800
P/E Ratio12.59
Earnings Date07/28/2026
3Y+70.0%
5Y+84.0%
10Y+158.0%
3Y+19.0%
5Y+107.0%
10Y+156.0%
3Y+24.0%
5Y+77.0%
10Y+110.0%
First Commonwealth Financial Corporation

First Commonwealth Financial Corporation Profit Bridge

FCF ยท NYSE
Revenue729.44M
Cost of Goods Sold (236.32M)
Gross Profit493.12M
Operating Expenses (294.76M)
Operating Income198.36M
Interest Expense (206.60M)
Other Income/Expense-7.00M
Pretax Income191.36M
Income Tax (39.06M)
Net Income152.30M
Net Income
152.30M

Profitability Analysis

Gross Margin

67.6%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

27.2%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

20.9%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

20.4%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

First Commonwealth Financial Corporation Income Statement

FCF โ€ข NYSE

First Commonwealth Financial Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
729.4M
699.7M
626.6M
428.7M
400.6M
395.7M
410.7M
380.9M
330.9M
282.2M
265.4M
263M
266.5M
284.5M
289.2M
317.6M
348.8M
383.4M
380M
377.3M
GROSS PROFIT
(236.3M)
(250.7M)
(159.1M)
(38.8M)
(13.9M)
(89.7M)
(69.9M)
(52.6M)
(26.9M)
(37.1M)
(30.5M)
(29.7M)
(40.9M)
(50.7M)
(97.5M)
(123.2M)
(187.3M)
(162.1M)
(179.8M)
(177.7M)
493.1M
449M
467.5M
389.8M
386.7M
306M
340.8M
328.3M
304M
245.8M
234.9M
233.3M
225.6M
233.8M
191.7M
194.4M
161.5M
221.3M
200.2M
199.7M
OPERATING INCOME
(294.8M)
(270.7M)
(269.9M)
(229.6M)
(213.9M)
(215.8M)
(210M)
(195.6M)
(200.3M)
(159.9M)
(163.9M)
(171.2M)
(168.8M)
(177.2M)
(176.8M)
(171.2M)
(207.3M)
(171.6M)
(148M)
(137.7M)
(94.6M)
(160.8M)
(154.8M)
(133.9M)
(127M)
(129.8M)
(128.4M)
(121.5M)
(121.7M)
(103.3M)
(104.9M)
(103.1M)
(103.4M)
(109.3M)
(103.8M)
(104.1M)
(106.5M)
(93.7M)
(79M)
(73M)
198.4M
178.2M
197.6M
160.2M
172.8M
90.2M
130.8M
132.8M
103.7M
85.2M
71M
62.1M
56.8M
56.6M
14.9M
23.2M
-45.9M
49.7M
52.2M
62M
PRE-TAX INCOME
(206.6M)
(221.6M)
(144.3M)
(17.7M)
(15.3M)
(32.9M)
(55.4M)
(40M)
(21.8M)
(18.6M)
(15.6M)
(18.5M)
(21.7M)
(30.1M)
(41.7M)
(61.6M)
(86.8M)
(139M)
(169.7M)
(166.1M)
424.1M
376.8M
382.7M
311.3M
278M
267.6M
268.3M
250.4M
227.1M
196.2M
185M
181.8M
184.3M
188.8M
189.8M
206.7M
206.3M
186.3M
161.4M
167M
(200.2M)
(110M)
(115.1M)
(95.7M)
(86.8M)
(86.1M)
(81.6M)
(74M)
(78.6M)
(56.6M)
(59.1M)
(68.1M)
(65.5M)
(67.9M)
(73.1M)
(68.2M)
(100.8M)
(77.9M)
(69M)
(64.7M)
-7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
191.4M
178.2M
197.6M
160.2M
172.8M
90.2M
130.8M
132.8M
103.7M
85.2M
71M
62.1M
56.8M
56.6M
14.9M
23.2M
-45.9M
49.7M
52.2M
62M
NET INCOME
(39.1M)
(35.6M)
(40.5M)
(32M)
(34.6M)
(16.8M)
(25.5M)
(25.3M)
(48.6M)
(25.6M)
(20.8M)
(17.7M)
(15.3M)
(14.7M)
-380K
(239K)
-25.8M
(6.6M)
(6M)
(9M)
152.3M
142.6M
157.1M
128.2M
138.3M
73.4M
105.3M
107.5M
55.2M
59.6M
50.1M
44.5M
41.5M
42M
15.3M
23M
-20.1M
43.1M
46.3M
53M

SEC Filings

FCF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 11, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 01, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 15, 2026
April 15, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 19, 2026
April 28, 2026
2026
10-K

10-K 2025 FY

FY

March 02, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 28, 2026
January 27, 2026
2026
8-K

8-K 2025

N/A

December 01, 2025
December 01, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 10, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

November 04, 2025
November 01, 2025
2025
Showing 1 to 10 of 461 filings