Saturday 17 October 2026 Export FCF’s income statement to Excel — free account

First Commonwealth Financial Corporation

First Commonwealth Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $729.5 million, up 4.26% from fiscal 2024. In the quarter to June 2026, revenue grew 1.44%, EPS grew 37.5%, free cash flow fell 98.5% and total debt fell 52.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.

20.34 0.12 +0.59%

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Market cap: $2.0B
P/E: 12.4×
Fwd P/E: 11.1×
Dividend yield: 2.70%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.10

Total sells 3.35

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	2	—	—	1	—	—	1	—	—	—	—	—
Sell	1	1	1	3	1	2	2	2	1	3	1	1

Insider Ownership 1.94%

Capital & Financial Ratios $m

Market Cap 2,040.00

Revenue 744.33

Net Income 168.34

Free Cash Flow 178.40

Net Debt (54.55)

Current Ratio 0.92

Debt/Equity 0.08

P/E ratio 12.40

Fwd P/E 11.10

P/S ratio 2.77

P/B ratio 1.31

Past 5Y EPS Growth 14.41%

This Y EPS Growth 17.88%

Next Y EPS Growth 12.86%

Next Y revenue growth (23.66%)

Next 5Y EPS Growth 12.62%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 53.30%

10-year low 10-year high

P/S against its own 10 years 37.41%

10-year low 10-year high

P/B against its own 10 years 64.87%

10-year low 10-year high

Dividends

Payout Ratio 0.34

Annual Dividend Rate 0.55

Annual Dividend Yield 2.70%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.56	0.14 0.14 0.14
2025	0.54	0.13 0.14 0.14 0.14
2024	0.52	0.13 0.13 0.13 0.13
2023	0.50	0.12 0.13 0.13 0.13
2022	0.48	0.12 0.12 0.12 0.12
2021	0.46	0.11 0.12 0.12 0.12
2020	0.44	0.11 0.11 0.11 0.11
2019	0.40	0.10 0.10 0.10 0.10
2018	0.35	0.08 0.09 0.09 0.09
2017	0.32	0.08 0.08 0.08 0.08
2016	0.28	0.07 0.07 0.07 0.07

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	147	133	180	180
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	9,028	9,050	9,834	9,564

	2023	2024	2025	Q'26
Payables	9,192	9,678	10,251	10,260
ST’ Debt	—	—	—	—
Other	—	—	—	—
	9,790	9,758	10,399	10,398

Compound Annual Growth %

	10y	5y	3y
Sales	10.64%	13.02%	19.39%
Cash Flow	9.93%	12.15%	7.39%
Earnings	11.75%	15.70%	5.92%
Book Value	8.01%	7.78%	13.89%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	182	186	—	—	—
’25	170	184	188	189	730
’24	169	176	179	175	700
’23	138	156	165	169	627
’22	95	101	112	121	429
’21	101	98	101	100	401
’20	99	97	100	100	396

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	87	4	—	—	—
’25	56	30	49	52	188
’24	40	23	54	14	129
’23	39	48	20	44	151
’22	31	29	48	43	151
’21	51	22	46	46	165
’20	33	18	20	35	106

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	82	0	—	—	—
’25	51	25	46	50	171
’24	35	19	50	10	114
’23	29	44	15	41	129
’22	27	26	48	40	140
’21	49	21	44	41	154
’20	29	16	18	34	98

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.37	0.44	—	—	—
’25	0.32	0.32	0.39	0.43	1.47
’24	0.37	0.36	0.31	0.35	1.39
’23	0.30	0.42	0.38	0.44	1.54
’22	0.29	0.33	0.36	0.38	1.37
’21	0.41	0.31	0.36	0.37	1.44
’20	0.05	0.24	0.20	0.27	0.75

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	7.85	12.05	11.33	11.90	6.77	10.69	12.76	11.16	12.41	13.54	Analyst estimates 2026–2028 Powerpack
	High	14.34	15.67	17.91	14.93	14.63	16.28	17.63	16.53	19.96	18.28
People
People	Employees	1,376	1,476	1,512	1,571	1,393	1,471	1,477	1,504	1,545	1,577
	Revenue/emp, $m	0.21	0.22	0.25	0.26	0.28	0.27	0.29	0.42	0.45	0.46
Income, $m
Income, $m	Revenue	282	331	381	411	396	401	429	627	700	730
	Gross margin, %	93.42	93.42	89.49	86.51	91.68	96.18	95.86	76.97	68.33	71.68
	EBT	85	104	133	131	90	173	160	198	178	191
	EBT margin, %	30.20	31.35	34.86	31.86	22.80	43.14	37.37	31.53	25.47	26.23
	Net income	60	55	107	105	73	138	128	157	143	152
	Depreciation	12	13	11	14	18	16	13	5	6	7
Per share, $
Per share, $	Revenue	3.18	3.47	3.85	4.18	4.06	4.19	4.58	6.17	6.87	7.07
	Earnings	0.67	0.58	1.08	1.07	0.75	1.44	1.37	1.54	1.40	1.47
	Cash flow	1.00	0.93	1.37	1.09	1.08	1.73	1.62	1.48	1.27	1.82
	Capex	(0.08)	(0.12)	(0.10)	(0.18)	(0.08)	(0.11)	(0.12)	(0.22)	(0.15)	(0.16)
	Free cash flow	0.92	0.81	1.27	0.92	1.01	1.62	1.50	1.27	1.12	1.66
	Book value	8.44	9.33	9.85	10.74	10.96	11.61	11.24	12.94	13.79	15.06
	Shares, m	89	95	99	98	98	96	94	102	102	103
Valuation, ×
Valuation, ×	P/E	21.18	24.55	11.19	13.56	14.39	11.10	10.34	10.10	12.17	11.47
	P/S	4.47	4.10	3.14	3.47	2.70	3.84	3.07	2.52	2.46	2.39
	P/B	1.68	1.53	1.23	1.35	1.00	1.39	1.25	1.20	1.23	1.12
	EV/Sales	4.34	4.04	3.37	3.75	2.38	3.31	3.13	2.59	2.65	2.50
	EV/FCF	14.99	17.42	10.21	17.05	9.62	8.58	9.58	12.58	16.27	10.63
Cash, $m
Cash, $m	Operating cash flow	89	88	135	108	106	165	151	151	129	188
	Capex	(7)	(12)	(10)	(17)	(8)	(11)	(11)	(22)	(16)	(16)
	Free cash flow	82	77	126	90	98	154	140	129	114	171
Balance, $m
Balance, $m	Working capital	(863)	(807)	(783)	(604)	(506)	(960)	(673)	(762)	(708)	(565)
	Total debt	81	88	185	234	233	182	181	187	263	262
	Net debt	(35)	(19)	86	112	(123)	(213)	27	40	130	81
	Shareholders’ equity	750	888	975	1,056	1,069	1,109	1,052	1,314	1,405	1,554
Returns, %
Returns, %	ROA	0.90	0.79	1.42	1.31	0.85	1.49	1.32	1.48	1.24	1.27
	ROIC	7.73	8.20	7.91	7.19	5.96	12.05	9.38	9.54	7.27	7.48
	ROE	8.11	6.74	11.54	10.37	6.91	12.70	11.86	13.27	10.49	10.29

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
OFG OFG Bancorp	$2.2B	10.3×	9.8×	+2.40% (above 0%: growing)	+20.87% (above 0%: growing)	+41.84% (above 0%: growing)	82.69%	0.00%	Compare
NWBI Northwest Bancshares, Inc.	$2.2B	14.2×	10.3×	+18.20% (above 0%: growing)	+42.31% (above 0%: growing)	+538.73% (above 0%: growing)	75.69%	0.00%	Compare
WAFD WaFd, Inc.	$2.2B	9.1×	10.9×	+1.80% (above 0%: growing)	+16.44% (above 0%: growing)	+33.88% (above 0%: growing)	57.68%	0.00%	Compare
EFSC Enterprise Financial Services Corporation	$2.2B	11.8×	11.1×	+1.34% (above 0%: growing)	−19.12% (below 0%: shrinking)	+15.23% (above 0%: growing)	75.04%	0.00%	Compare
SRCE 1st Source Corporation	$2.1B	12.3×	11.1×	+3.88% (above 0%: growing)	+29.14% (above 0%: growing)	+16.78% (above 0%: growing)	75.70%	0.00%	Compare
FCF First Commonwealth Financial Corporation	$2.0B	12.4×	11.1×	+1.44% (above 0%: growing)	+37.50% (above 0%: growing)	−98.48% (below 0%: shrinking)	74.84%	0.00%
TBBK The Bancorp, Inc.	$2.0B	9.2×	9.1×	−9.61% (below 0%: shrinking)	+14.06% (above 0%: growing)	−31.16% (below 0%: shrinking)	79.72%	0.00%	Compare
CHCO City Holding Company	$2.0B	15.5×	14.0×	+1.16% (above 0%: growing)	+2.62% (above 0%: growing)	+19.16% (above 0%: growing)	80.74%	0.00%	Compare
BLX Bladex Inc.	$1.9B	9.0×	8.9×	+3.74% (above 0%: growing)	+2.31% (above 0%: growing)	−117.11% (below 0%: shrinking)	43.99%	0.00%	Compare
Median of peers	$2.1B	11.1×	10.6×	+2.10%	+15.25%	+17.97%	75.70%	0.00%

All 323 Banks Regional stocks →

First Commonwealth Financial Corporation (FCF) key facts

Strength: First Commonwealth Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $729.5 million, up 4.26% from fiscal 2024.
Strength: Net income was $152.3 million, or $1.47 per share (basic), a net margin of 20.9%.
First Commonwealth Financial Corporation (FCF) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, FCF traded at $20.34, a market capitalization of $2.0 billion.
At that price the stock trades at 12.4× trailing-twelve-month earnings and 2.8× sales; its P/E is higher than 53% of its own readings over the past ten years.
First Commonwealth Financial Corporation pays an annual dividend of $0.55 per share, a yield of 2.70%, with a payout ratio of 33.7%.
Return on equity was 10.3% and debt-to-equity 0.08.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.