FCF

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First Commonwealth Financial Corp.

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Key Metrics

Previous Close: $21.06
52-Week Range: $15.00 – $22.34
Market Cap: $2.15B
P/E (TTM): 12.96
EPS (TTM): 1.64
Dividend Yield: 2.66%

Advanced Metrics

Price/Book: 1.36
PEG Ratio: 1.46
Return on Equity: 10.91%
Return on Assets: 1.38%
Gross Margin: 0.00%
Operating Margin: 45.36%
Profit Margin: 33.20%
Current Ratio: —
Debt/Equity: —
Total Debt: $319.70M
Free Cash Flow: —
Revenue Growth: 9.60%
Earnings Growth: 37.50%
Enterprise Value: $2.26B

FCF Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$410.93M	$482.29M	$478.12M	$522.91M
Selling, General & Admin	$133.93M	$154.84M	$160.79M	$176.54M
Pretax Income	$160.19M	$197.56M	$178.21M	$191.36M
Income Tax	$32.00M	$40.49M	$35.64M	$39.06M
Net Income	$128.18M	$157.06M	$142.57M	$152.30M
Diluted EPS	1.37	1.54	1.39	1.48
Diluted Shares	93.49M	102.11M	102.21M	103.52M

FCF Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$154.24M	$146.99M	$133.41M	$180.36M
Total Assets	$9.81B	$11.46B	$11.58B	$12.34B
Long-Term Debt	$175.80M	$181.86M	$258.66M	$258.02M
Total Debt	$466.22M	$749.76M	$317.99M	$386.74M
Total Liabilities	$8.75B	$10.15B	$10.18B	$10.79B
Retained Earnings	$774.86M	$881.11M	$971.08M	$1.07B
Shareholders' Equity	$1.05B	$1.31B	$1.41B	$1.55B
Net Debt	$306.56M	$597.87M	$180.25M	$202.66M

FCF Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$151.41M	$150.76M	$129.46M	$187.54M
Capital Expenditure	-$11.21M	-$22.03M	-$15.55M	-$16.09M
Free Cash Flow	$140.21M	$128.72M	$113.92M	$171.45M
Depreciation & Amortisation	$10.55M	$4.10M	$5.69M	$6.63M
Investing Cash Flow	-$588.79M	-$574.27M	-$121.72M	-$388.23M
Financing Cash Flow	$196.25M	$416.26M	-$21.32M	$247.64M
Dividends Paid	-$44.58M	-$50.81M	-$52.60M	-$55.49M
Share Repurchases	-$15.60M	-$14.96M	-$12.63M	-$35.79M
Net Change in Cash	-$241.13M	-$7.25M	-$13.58M	$46.95M

FCF Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$130.92M	$135.98M	$137.92M	$133.56M	—
Selling, General & Admin	$43.59M	$44.30M	$45.49M	$46.13M	—
Pretax Income	$42.06M	$51.82M	$56.44M	$47.23M	—
Income Tax	$8.66M	$10.49M	$11.56M	$9.69M	—
Net Income	$33.40M	$41.33M	$44.88M	$37.55M	—
Diluted EPS	0.32	0.39	0.43	0.37	0.44
Diluted Shares	104.93M	104.75M	103.64M	102.39M	101.56M

FCF Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$141.36M	$160.17M	$161.41M	$180.36M	$342.94M
Total Assets	$11.79B	$12.24B	$12.31B	$12.34B	$12.26B
Long-Term Debt	$258.50M	$258.34M	$258.18M	$258.02M	$128.51M
Total Debt	$340.19M	$488.24M	$411.61M	$386.74M	$154.93M
Total Liabilities	$10.34B	$10.72B	$10.77B	$10.79B	$10.71B
Retained Earnings	$990.54M	$1.01B	$1.04B	$1.07B	$1.09B
Shareholders' Equity	$1.45B	$1.52B	$1.54B	$1.55B	$1.55B
Net Debt	$194.66M	$324.05M	$246.33M	$202.66M	—

FCF Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$55.89M	$30.41M	$49.50M	$51.75M	$86.83M
Capital Expenditure	-$5.03M	-$5.37M	-$3.53M	-$2.16M	-$4.36M
Free Cash Flow	$50.86M	$25.03M	$45.97M	$49.59M	$82.46M
Depreciation & Amortisation	$2.15M	$788.00K	$1.88M	$1.80M	$2.07M
Investing Cash Flow	-$213.56M	-$87.37M	-$73.64M	-$13.66M	$210.81M
Financing Cash Flow	$165.62M	$75.78M	$25.38M	-$19.14M	-$135.05M
Dividends Paid	-$13.24M	-$14.15M	-$14.10M	-$14.00M	-$13.85M
Share Repurchases	-$1.81M	-$508.00K	-$10.63M	-$22.85M	-$24.81M
Net Change in Cash	$7.95M	$18.81M	$1.25M	$18.95M	$162.58M

Market Snapshot

About

First Commonwealth Financial Corp. is a financial services company headquartered in Pennsylvania that operates through its subsidiary First Commonwealth Bank. The company provides a comprehensive range of consumer and commercial banking services, mortgage lending, wealth management, and insurance products across Pennsylvania and Ohio. First Commonwealth maintains a network of branch locations and ATMs while also offering robust digital banking capabilities. The company focuses on serving individuals, small businesses, and commercial clients with an emphasis on relationship banking, community involvement, and disciplined credit underwriting.