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+24.0%
5Y+77.0%
10Y+110.0%
3Y-34.0%
5Y-20.0%
10Y-179.0%
3Y+26.0%
5Y-60.0%
10Y-146.0%
FCF

First Commonwealth Financial Corporation Cash Conversion Engine

FCF ยท NYSE
Net Income152.30M
Depreciation & Amortization6.65M
Stock-Based Compensation0.00
Change in Working Capital-908.00K
Others26.38M
Capital Expenditures-16.09M
Free Cash Flow171.36M

Cash Flow Quality Analysis

FCF Conversion Rate

112.5%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

8.6%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+50.4%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$908.00K

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

First Commonwealth Financial Corporation Cash Flow Statement

FCF โ€ข NYSE

First Commonwealth Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
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
6.6M
5.7M
4.1M
10.6M
11.4M
11.7M
10.4M
8M
9M
7.1M
7.6M
13.7M
11.1M
7.9M
9M
10.7M
9.8M
10.4M
5.2M
8.6M
3M
3.4M
6.8M
-2M
1.4M
-8.2M
2.3M
3.5M
20.8M
5.7M
12.7M
4.9M
12.7M
2.6M
-1.2M
-4.7M
-29.1M
-7.4M
-2.5M
-2.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.2M
1.4M
1M
500K
1.1M
0.0
0.0
0.0
0.0
0.0
0.0
26.4M
-25.9M
-8.8M
24.9M
-2.2M
41.2M
-12M
20.4M
0.0
18.3M
2.8M
17.1M
12.1M
13.7M
61.4M
76.7M
129.3M
24.6M
16.9M
2.6M
(34.7M)
(32.2M)
(37.5M)
(34.3M)
(0.0)
(0.0)
(0.0)
(23.8M)
(27.9M)
(20M)
(8.3M)
(10.7M)
(3.1M)
(11.6M)
(5.9M)
(2.5M)
(0.0)
(0.0)
(0.0)
(0.0)
-908K
3.7M
-8.4M
-10.2M
16.1M
-12.5M
1.7M
-4.1M
430K
-1.4M
-498K
2M
8.3M
12.6M
-385K
5.2M
-32.7M
-1.8M
3.9M
3.4M
187.5M
129.5M
150.8M
151.4M
165M
105.7M
107.6M
135.3M
88.3M
89.3M
72.8M
82.1M
85.7M
78.7M
84.1M
110.9M
57.2M
68.8M
69.7M
64.8M
INVESTING ACTIVITIES
-16.1M
-15.5M
-22M
-11.2M
-10.6M
-7.6M
-17.4M
-9.6M
-11.6M
-7.5M
-4.9M
-11M
-9.6M
-10.2M
-8.3M
-4.9M
-6.7M
-12.1M
-9.8M
-13.3M
(10.9M)
(0.0)
(14.5M)
(0.0)
(0.0)
(0.0)
(332.5M)
(705K)
(3.2M)
(479.5M)
-3.5M
-3M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(60.3M)
-354.6M
-492.6M
-338.6M
-200K
-1B
-496.9M
-138.9M
-352.6M
-253.3M
-174.1M
-405M
-339.6M
-539.9M
-605.4M
-723.8M
-387.1M
-211.5M
-313.6M
-344.1M
-217.2M
434.5M
376.6M
173.9M
225.2M
555.1M
591.2M
244.8M
204.3M
343.5M
278M
470.6M
375.8M
357.3M
574.8M
557.2M
590.7M
436M
446M
433.5M
436.8M
-462.8M
9.8M
-402M
-802.6M
-71.2M
-569.9M
-298.1M
-190.5M
-134.5M
-82.1M
-199.6M
-186.1M
-115.1M
-130.6M
95M
346.5M
-308.9M
-731M
77M
41M
-388.1M
-121.7M
-574.3M
-588.8M
-565.3M
-483.1M
(122.9M)
-347.7M
-52.8M
(493.8M)
-142.4M
-164.1M
-307.3M
-171.4M
-80M
(542.6M)
-90.9M
-610.7M
(156.5M)
(307.6M)
FINANCING ACTIVITIES
-35.5M
-12.4M
-14.7M
-15.4M
-31.1M
-20.7M
-6M
-26M
-1.2M
-648K
-25.2M
-30.8M
-33.3M
-35.2M
207K
88.2M
466K
113.2M
-8.2M
3.5M
43.6M
-442M
51.1M
233.2M
-30.2M
-85.6M
-460M
77.4M
-161.3M
-639.4M
329.8M
431.4M
223.7M
159.3M
67.5M
-746M
-127.9M
423M
-184.4M
-384.9M
-55.5M
-52.6M
-50.8M
-44.6M
-43.6M
-43M
-39.4M
-34.8M
-30.5M
-24.9M
-25.1M
-26.2M
-22.3M
-18.8M
-12.6M
-5.3M
-29.7M
-49.4M
-49.6M
-48.5M
-35.8M
-12.6M
-15M
-15.6M
-31.3M
-20.9M
-6.3M
-26.2M
-1.5M
-864K
-25.4M
-31M
-33.4M
-36.2M
-9K
-9K
-18K
(0.0)
-10M
(0.0)
295M
485.7M
430.7M
23M
543.9M
761.4M
297.8M
187.8M
149.2M
128.2M
-214.9M
-295.4M
28.1M
11.9M
-50.6M
-10M
191.9M
42.6M
21.5M
66.5M
247.6M
-21.3M
416.3M
196.2M
439.1M
612.2M
-207.7M
204.1M
-43.9M
-536.8M
64.6M
79M
196M
117.2M
4.5M
-673.2M
34.7M
529.4M
-220.6M
-363.4M
CASH FLOW SUMMARY
47M
-13.6M
-7.3M
-241.1M
38.8M
234.7M
22.9M
-8.3M
-8.4M
46.2M
-5.1M
-2.9M
-25.5M
24.5M
8.6M
-19.7M
993K
-12.5M
5.7M
9M
133.4M
147M
154.2M
395.4M
356.6M
121.9M
98.9M
107.3M
115.7M
69.5M
74.5M
77.4M
103M
78.5M
69.9M
89.6M
88.3M
100.8M
95.1M
86.1M
180.4M
133.4M
147M
154.2M
395.4M
356.6M
121.9M
98.9M
107.3M
115.7M
69.5M
74.5M
77.4M
103M
78.5M
69.9M
89.2M
88.3M
100.8M
95.1M
171.4M
113.9M
128.7M
140.2M
154.4M
98.1M
90.3M
125.7M
76.7M
82.2M
67.9M
71.2M
76.1M
68.5M
75.8M
106M
50.6M
56.7M
59.9M
51.5M

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