NYQ · Financial Statements

First Commonwealth Financial Corporation (FCF) Financial Statements

$21.10 NYQ: FCF Market Cap $2.13B

First Commonwealth Financial Corporation most recently reported annual revenue of $729.0M, net profit of $152.0M. Revenue grew at an average annual rate of 13.0% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

First Commonwealth Financial Corporation: Revenue rose from $282.0M in 2016 to $729.0M in 2025, a change of +158.5% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 30.2% to 27.2%, a shift of -3.0 percentage points; the most recent year shows net profit of $152.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$282.0M$331.0M$381.0M$411.0M$396.0M$401.0M$429.0M$627.0M$700.0M$729.0M
Operating Expenses$197.0M$227.0M$248.0M$280.0M$305.0M$228.0M$268.0M$429.0M$521.0M$531.0M
Operating Profit$85.0M$104.0M$133.0M$131.0M$90.0M$173.0M$160.0M$198.0M$178.0M$198.0M
Operating Margin30.2%31.4%34.9%31.9%22.8%43.1%37.4%31.5%25.5%27.2%
Other Income$0$0$0$0$0$0$0$0$0$-7.0M
Interest$19.0M$22.0M$40.0M$55.0M$33.0M$15.0M$18.0M$144.0M$222.0M$207.0M
Depreciation$7.0M$9.0M$8.0M$10.0M$12.0M$11.0M$11.0M$4.0M$6.0M$6.0M
Profit Before Tax$85.0M$104.0M$133.0M$131.0M$90.0M$173.0M$160.0M$198.0M$178.0M$191.0M
Tax$30.1M$46.8M$19.0M$19.5M$18.6M$20.0M$20.0M$20.5M$20.0M$20.4M
Net Profit$60.0M$55.0M$107.0M$105.0M$73.0M$138.0M$128.0M$157.0M$143.0M$152.0M
EPS$0.67$0.57$1.08$1.07$0.75$1.44$1.37$1.54$1.39$1.47
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$165.0M$169.0M$169.0M$176.0M$179.0M$175.0M$170.0M$184.0M$188.0M$189.0M$179.0M$67.0M
Operating Expenses$115.0M$112.0M$123.0M$129.0M$138.0M$131.0M$129.0M$142.0M$136.0M$125.0M$132.0M$113.0M
Operating Profit$49.0M$57.0M$46.0M$47.0M$41.0M$45.0M$41.0M$42.0M$52.0M$63.0M$47.0M$-46.0M
Operating Margin29.9%33.6%27.4%26.5%22.6%25.4%24.2%22.9%27.6%33.6%26.3%-68.1%
Interest$42.0M$49.0M$53.0M$56.0M$58.0M$55.0M$52.0M$53.0M$52.0M$51.0M$48.0M$47.0M
Profit Before Tax$49.0M$57.0M$46.0M$47.0M$41.0M$45.0M$41.0M$42.0M$52.0M$56.0M$47.0M$56.0M
Tax$20.4M$21.0M$19.2M$20.4M$20.8M$19.7M$20.3M$20.6M$20.3M$20.5M$20.5M$20.8M
Net Profit$39.0M$45.0M$38.0M$37.0M$32.0M$36.0M$33.0M$33.0M$41.0M$45.0M$38.0M$45.0M
EPS$0.38$0.44$0.37$0.36$0.31$0.35$0.32$0.32$0.39$0.43$0.37$0.44

Over the 10 years reported for First Commonwealth Financial Corporation, borrowings decreased from $949.0M in 2016 to $452.0M in 2025, cash stood at $103.0M in the latest year, shareholders' equity was $127.0M, current assets covered current liabilities 0.37 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$6.7B$7.3B$7.8B$8.3B$9.1B$9.5B$9.8B$11.5B$11.6B$12.4B
Current Assets$894.0M$839.0M$1.0B$1.0B$1.2B$1.4B$917.0M$1.2B$1.3B$103.0M
Cash$116.0M$107.0M$99.0M$122.0M$357.0M$395.0M$154.0M$147.0M$133.0M$103.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$0$0$0$0$0$0$0$0$0$0
Fixed Assets$68.0M$81.0M$80.0M$137.0M$126.0M$121.0M$115.0M$121.0M$116.0M$114.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$6.0B$6.6B$7.1B$7.4B$7.9B$8.4B$8.8B$10.4B$10.5B$11.3B
Other Assets$186.0M$255.0M$274.0M$303.0M$303.0M$303.0M$303.0M$364.0M$364.0M$378.0M
Total Liabilities$5.9B$6.4B$6.9B$7.3B$8.0B$8.4B$8.8B$10.1B$10.2B$10.8B
Current Liabilities$5.8B$6.3B$6.6B$6.9B$7.6B$8.1B$8.4B$9.8B$9.8B$281.0M
Borrowings$949.0M$795.0M$907.0M$436.0M$351.0M$321.0M$554.0M$785.0M$343.0M$452.0M
Other Liabilities$5.0B$5.6B$5.9B$6.8B$7.6B$8.1B$8.2B$9.4B$9.8B$10.4B
Equity$106.0M$114.0M$114.0M$114.0M$114.0M$114.0M$114.0M$124.0M$124.0M$127.0M
Reserves$750.0M$888.0M$975.0M$1.1B$1.1B$1.1B$1.1B$1.3B$1.4B$1.6B

For First Commonwealth Financial Corporation, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $171.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$89.0M$88.0M$135.0M$108.0M$106.0M$165.0M$151.0M$151.0M$129.0M$188.0M
Investing Cash Flow$486.0M$-64.0M$-357.0M$106.0M$-491.0M$-576.0M$-600.0M$-596.0M$-137.0M$-404.0M
Financing Cash Flow$127.0M$148.0M$162.0M$292.0M$740.0M$513.0M$7.0M$416.0M$473.0M$259.0M
Net Cash Flow$46.0M$-8.0M$-8.0M$23.0M$235.0M$39.0M$-241.0M$-7.0M$-14.0M$47.0M
Free Cash Flow$82.0M$77.0M$126.0M$90.0M$98.0M$154.0M$140.0M$129.0M$114.0M$171.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.48
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y28.06%
Return 3Y66.09%
Return 5Y85.62%

First Commonwealth Financial Corporation (FCF) financials — frequently asked questions

What is First Commonwealth Financial Corporation's annual revenue?

First Commonwealth Financial Corporation (FCF) reported annual revenue of $729.0M in its most recent fiscal year.

What is First Commonwealth Financial Corporation's net profit?

First Commonwealth Financial Corporation (FCF) reported net profit of $152.0M in its most recent fiscal year.

Popular Stocks

Apple (AAPL)Microsoft (MSFT)NVIDIA (NVDA)Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Broadcom (AVGO)Eli Lilly (LLY)JPMorgan (JPM)

Related stock screens

High ROE Financial Services StocksLow P/E Financial Services StocksHigh Net Margin Financial Services StocksDividend Financial Services StocksLow Debt Financial Services StocksHigh ROE StocksLow P/E StocksHigh Net Margin StocksDividend StocksLow Debt StocksAll stock screens
FCF Overview FCF Dividend Run Stock Screener

Data for information only, not investment advice. Figures may be delayed or inaccurate; verify against company filings. See our disclaimer.