First Commonwealth Financial Corporation (FCF)

FCF Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	426.09	378.89	385.68	312.22	278.54
Net Interest Income Growth	12.46%	-1.76%	23.53%	12.09%	3.83%
Non-Interest Income	96.82	99.23	96.61	98.71	106.76
Non-Interest Income Growth	-2.43%	2.71%	-2.13%	-7.54%	13.00%
Revenues Before Loan Losses	522.91	478.12	482.29	410.93	385.3
Provision for Credit Losses	32.97	29.17	4.16	21.11	-1.38
Revenue	489.95	448.95	478.13	389.82	386.67
Revenue Growth (YoY)	9.13%	-6.10%	22.65%	0.81%	26.35%
Compensation Expenses	163.98	149.29	142.87	126.03	119.51
Selling, General & Admin	79.19	75.28	73.8	64.78	61.22
Other Non-Interest Expenses	51.66	46.18	53.25	38.82	33.13
Total Non-Interest Expense	294.83	270.75	269.92	229.64	213.86
Pretax Income	191.36	178.21	197.56	160.19	172.82
Provision for Income Taxes	39.06	35.64	40.49	32	34.56
Net Income	152.3	142.57	157.06	128.18	138.26
Net Income to Common	152.3	142.57	157.06	128.18	138.26
Net Income Growth	6.83%	-9.23%	22.53%	-7.29%	88.24%
Shares Outstanding (Basic)	103	102	102	94	96
Shares Outstanding (Diluted)	104	102	102	94	96
Shares Change (YoY)	1.29%	0.38%	8.45%	-2.04%	-1.96%
EPS (Basic)	1.48	1.40	1.55	1.37	1.45
EPS (Diluted)	1.47	1.39	1.54	1.37	1.44
EPS Growth	5.75%	-9.74%	12.41%	-4.86%	92.00%
Free Cash Flow	32.97	113.92	128.73	140.21	154.41
Free Cash Flow Growth	-71.06%	-11.50%	-8.19%	-9.20%	57.42%
Free Cash Flow Per Share	0.32	1.11	1.26	1.49	1.61
Dividends Per Share	0.540	0.520	0.500	0.480	0.460
Dividend Growth	3.85%	4.00%	4.17%	4.35%	4.54%
Profit Margin	31.09%	31.76%	33.60%	32.88%	35.76%
FCF Margin	6.73%	25.37%	27.54%	35.97%	39.93%
EBITDA	0	5.69	4.1	10.55	11.44
EBITDA Margin	0.00%	1.27%	0.88%	2.71%	2.96%
Effective Tax Rate	20.41%	20.00%	20.50%	19.98%	20.00%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q