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First Commonwealth Financial Corporation (FCF)
Financial Services · Banks - Regional · NYSE
First Commonwealth Financial Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $410.93M | $482.29M | $478.12M | $522.91M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $59.59M | $55.16M | $107.50M | $105.33M | $73.45M | $138.26M | $128.18M | $157.06M | $142.57M | $152.30M |
| Net margin | — | — | — | — | — | — | 31.2% | 32.6% | 29.8% | 29.1% |
Source: First Commonwealth Financial Corporation SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into FCF stock?
At today's market cap of $1.98B, First Commonwealth Financial Corporation is priced for free-cash-flow growth of about 0.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $171.45M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 11.8%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of First Commonwealth Financial Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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First Commonwealth Financial Corporation financial history by metric
About First Commonwealth Financial Corporation
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company's consumer services include internet, mobile, and telephone banking; an automated teller machine network; 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. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.
First Commonwealth Financial Corporation — frequently asked questions
What is First Commonwealth Financial Corporation's revenue?
First Commonwealth Financial Corporation (FCF) reported revenue of $522.91M for fiscal year 2025, up 9.4% from the prior year, according to its SEC filings.
Is First Commonwealth Financial Corporation profitable?
Yes. FCF earned net income of $152.30M in fiscal 2025, a net margin of 29.1%.
What is FCF's P/E ratio?
First Commonwealth Financial Corporation trades at a price-to-earnings ratio of about 12.8 based on the latest data in our nightly-refreshed cache.
How much debt does First Commonwealth Financial Corporation have?
As of fiscal year 2025, FCF carried roughly $147.97M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is First Commonwealth Financial Corporation's market cap?
First Commonwealth Financial Corporation (FCF) has a market capitalization of about $1.98B, based on the latest data in our nightly-refreshed cache.
When does First Commonwealth Financial Corporation's fiscal year end?
FCF's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into FCF stock?
At today's market cap of $1.98B, First Commonwealth Financial Corporation is priced for free-cash-flow growth of about 0.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $171.45M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 11.8%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from First Commonwealth Financial Corporation's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.