First Commonwealth Financial Corp (FCF) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, First Commonwealth Financial reported revenue of $522.9M, up 9.4% from $478.1M the year before. Net income was $152.3M (a 29.1% net margin), or $1.47 per diluted share. Net interest income was $426.1M, and the efficiency ratio (noninterest expense / revenue) was 56.4%. Operating activities generated $187.5M of cash, leaving $171.5M of free cash flow. At fiscal year end, First Commonwealth Financial held $12.34B in total assets against $10.79B in total liabilities.
Open the full interactive First Commonwealth Financial financials → Quarterly statements, key ratios, valuation history and price charts.
First Commonwealth Financial Key Stats
| Share Price | $19.98 |
|---|---|
| Market Cap | $2.03B |
| P/E Ratio | 13.6 |
| Dividend Yield | 2.77% |
| Revenue YoY Growth | +9.4% |
| 52-Week Range | $14.84 – $21.81 |
| Shares Outstanding | 101.2 million (basic, 2026 Q2) |
First Commonwealth Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $268.3M | $278.5M | $312.2M | $385.7M | $378.9M | $426.1M |
| Provision for Credit Losses | $56.7M | -$1.4M | $21.1M | $14.8M | $29.2M | $36.7M |
| Noninterest Income | $94.5M | $106.8M | $98.7M | $96.6M | $99.2M | $96.8M |
| Noninterest Expense | $215.8M | $213.9M | $229.6M | $269.9M | $270.7M | $294.8M |
| Revenue | $362.7M | $385.3M | $410.9M | $482.3M | $478.1M | $522.9M |
| Pre-Tax Income | $90.2M | $172.8M | $160.2M | $197.6M | $178.2M | $191.4M |
| Income Tax | $16.8M | $34.6M | $32.0M | $40.5M | $35.6M | $39.1M |
| Net Income | $73.4M | $138.3M | $128.2M | $157.1M | $142.6M | $152.3M |
| Diluted EPS | $0.75 | $1.44 | $1.37 | $1.54 | $1.39 | $1.47 |
First Commonwealth Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $136.0M | $137.9M | $133.6M | $139.4M |
| Net Income | $41.3M | $44.9M | $37.5M | $44.6M |
| Diluted EPS | $0.39 | $0.43 | $0.37 | $0.44 |
First Commonwealth Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $6.66B | $6.75B | $7.54B | $8.85B | — | — |
| Total Assets | $9.07B | $9.55B | $9.81B | $11.46B | $11.58B | $12.34B |
| Deposits | $7.44B | $7.98B | $8.01B | $9.19B | $9.68B | $10.25B |
| Total Long-Term Debt | $233.3M | $182.3M | $181.2M | $186.8M | $263.0M | $261.7M |
| Total Liabilities | $8.00B | $8.44B | $8.75B | $10.15B | $10.18B | $10.79B |
| Shareholders' Equity | $1.10B | $1.10B | $1.10B | $1.30B | $1.40B | $1.60B |
First Commonwealth Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $105.7M | $165.0M | $151.4M | $150.8M | $129.5M | $187.5M |
| Cash From Investing | -$483.1M | -$565.3M | -$588.8M | -$574.3M | -$121.7M | -$388.2M |
| Cash From Financing | $612.2M | $439.1M | $196.2M | $416.3M | -$21.3M | $247.6M |
| Free Cash Flow | $98.1M | $154.4M | $140.2M | $128.7M | $113.9M | $171.5M |
| Dividends Paid | $43.0M | $43.6M | $44.6M | $50.8M | $52.6M | $55.5M |
Figures from First Commonwealth Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full First Commonwealth Financial financials page for every line item.
First Commonwealth Financial Company Profile
| Ticker | FCF |
|---|---|
| Exchange | NYSE |
| Industry | National Commercial Banks |
| Headquarters | Indiana, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000712537 |
Frequently Asked Questions
What was First Commonwealth Financial's revenue in fiscal 2025?
First Commonwealth Financial (FCF) reported revenue of $522.9M for fiscal 2025.
What is First Commonwealth Financial's annual revenue history?
First Commonwealth Financial's annual revenue by fiscal year: 2020: $362.7M; 2021: $385.3M; 2022: $410.9M; 2023: $482.3M; 2024: $478.1M; 2025: $522.9M.
What was First Commonwealth Financial's net income in fiscal 2025?
First Commonwealth Financial reported net income of $152.3M for fiscal 2025.
What was First Commonwealth Financial's earnings per share (EPS) in fiscal 2025?
First Commonwealth Financial's diluted EPS was $1.47 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did First Commonwealth Financial generate in fiscal 2025?
First Commonwealth Financial generated $171.5M of free cash flow in fiscal 2025.
What was First Commonwealth Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), First Commonwealth Financial reported revenue of $139.4M.
How much debt does First Commonwealth Financial have?
First Commonwealth Financial reported $261.7M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of First Commonwealth Financial are outstanding?
First Commonwealth Financial reported a weighted average of 101.2 million basic shares outstanding in 2026 Q2.
What is First Commonwealth Financial's market cap?
Based on its latest closing price, First Commonwealth Financial (FCF) has a market capitalization of about $2.03B.
When does First Commonwealth Financial's fiscal year end?
First Commonwealth Financial's fiscal year end, as registered with the SEC, is December 31.
Where is First Commonwealth Financial headquartered?
First Commonwealth Financial lists its business address in Indiana, Pennsylvania in its SEC filings.