First Commonwealth Financial Corporation

First Commonwealth Financial Corporation

FCF
First Commonwealth Financial CorporationUS flagNew York Stock Exchange
21.34
USD
+0.18
- -
2.17BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.57
2.67
2.81
2.96
3.17
3.42
3.61
3.77
4.09
4.4
4.72
4.7
5.08
3.98
Basic EPS, GAAP
0.44
0.48
0.56
0.67
0.57
1.08
1.07
0.76
1.47
1.37
1.54
1.4
1.48
1.21
Free Cash Flow per Basic Share
0.8
0.78
0.76
0.92
0.79
1.26
0.92
1.02
1.64
1.5
1.26
1.12
1.67
1.74
Dividend per Share
0.23
0.29
0.28
0.28
0.31
0.35
0.4
0.45
0.46
0.48
0.5
0.52
0.54
0.41
Book Value per Share
7.47
7.81
8.09
8.43
9.11
9.9
10.74
11.12
11.77
11.27
12.87
13.81
15.11
- -
Tangible Book Value per Share
5.78
6.03
6.23
6.2
6.34
6.98
7.49
7.82
8.43
7.92
9.09
10.04
11.22
- -
Basic Weighted Avg Shares
95
92
89
89
97
100
98
96
94
93
102
102
103
102
Sales/Revenue/Turnover
245
245
250
264
309
341
355
363
385
411
482
478
523
407
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
11
14
8
7
9
8
10
12
11
11
4
6
7
6
Net Income, GAAP
41
44
50
60
55
107
105
73
138
128
157
143
152
124
Effective Tax Rate (%)
26.92
28.46
29.36
30.08
46.82
19.04
19.5
18.58
20
19.98
20.5
20
20.41
20.41
Profit Margin (%)
16.94
18.18
20.07
22.6
17.85
31.54
29.64
20.25
35.88
31.19
32.57
29.82
29.13
30.37
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
217
162
81
81
88
185
234
233
182
181
187
263
262
- -
Total Equity
712
716
720
750
888
975
1,056
1,069
1,109
1,052
1,314
1,405
1,554
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
5.69
6.23
6.99
8.11
6.74
11.54
10.37
6.91
12.7
11.86
13.27
10.49
10.29
16.31

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
125
23
- -
LT Borrowings
258
129
- -
LT Finance Leases
4
4
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
103
102
102
Market Capitalization
1,734
1,788
2,067

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,143
1,339
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
125
23
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.3%
8.22%
10.62%
Free Cash Flow
13.77%
15.81%
50.51%
Net Income, GAAP
17.51%
20.21%
6.82%
Sales/Revenue/Turnover
7.81%
7.75%
9.37%
Total Cash Common Dividend
8.48%
5.34%
5.49%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
116
120
121
120
478
2025
118
131
136
138
523
2026
134
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.37
0.36
0.31
0.35
1.4
2025
0.32
0.32
0.4
0.44
1.48
2026
0.37
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.12
0.13
0.13
0.13
0.52
2025
0.13
0.13
0.14
0.14
0.54
2026
0.14
- -
- -
- -
- -

Company Description

CEO
Thomas Michael Price
Full Time Employees
1,589
Sector
Financial Services
Industry
Banks - Regional
Address
601 Philadelphia Street Indiana PA United States of America 15701
IPO Date
Jun 9, 1992
Business
First Commonwealth Financial Corporation (NYSE: FCF), headquartered in Indiana, Pennsylvania, operates as a financial holding company established in 1982 that provides a full range of commercial banking, consumer banking, mortgage, equipment finance, wealth management, and insurance products and services through its subsidiaries First Commonwealth Bank and First Commonwealth Insurance Agency; 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, and IRA accounts; commercial banking services comprise commercial lending and leasing, business checking accounts, online account management, payroll direct deposits, commercial cash management, repurchase agreements, and ACH origination services; wealth management offerings feature trust and asset management, annuities, mutual funds, and stock and bond brokerage; insurance products cover auto, home, business, and term life insurance. The company maintains 127 community banking offices across 30 counties in western and central Pennsylvania and throughout Ohio, with commercial lending operations in Pittsburgh, Pennsylvania, and Canton, Cleveland, Columbus, and Cincinnati, Ohio, plus mortgage offices in Wexford, Pennsylvania, Hudson, and Lewis Center, Ohio, targeting individuals, small to mid-sized businesses, and high-net-worth clients in these regional markets. Recent developments include the completion of the acquisition of Centric Financial Corporation and its subsidiary Centric Bank in February 2023, expanding presence into Pennsylvania markets around Harrisburg, Lancaster, Devon, and Doylestown; the launch of an equipment leasing and finance division in 2022 to broaden commercial offerings; and the announced acquisition of CenterGroup Financial, Inc., and its subsidiary CenterBank in December 2024, valued at approximately $54.6 million in an all-stock transaction expected to close in the first half of 2025, adding three branches, a loan production office, a mortgage office, and $348.4 million in assets to strengthen the Cincinnati commercial franchise.

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