First Commonwealth Financial Corporation (FCF)

FCF Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	134.03	142.57	157.06	128.18	138.26	73.45
Depreciation & Amortization	6.4	5.69	4.1	10.55	11.44	11.65
Provision for Credit Losses	35.5	29.17	14.81	21.11	-1.38	56.72
Net Change in Loans Held-for-Sale	-3.34	-32.5	-12.01	3.2	28.63	-1.84
Other Adjustments	-12	-19.15	-4.77	-1.39	-28.05	-21.78
Changes in Accrued Interest and Accounts Receivable	3.14	3.28	-8.84	-6.85	5.89	-10.74
Changes in Accounts Payable	-10.4	1.22	5	1.17	-0.41	-0.88
Changes in Other Operating Activities	0.09	-0.82	-4.61	-4.56	10.66	-0.89
Operating Cash Flow	153.42	129.46	150.76	151.41	165.05	105.7
Operating Cash Flow Growth	21.03%	-14.13%	-0.43%	-8.26%	56.15%	-1.80%
Net Change in Loans Held-for-Investment	-392.93	-136.88	-552.38	-871.58	-161.67	-622.5
Net Change in Securities and Investments	-100.67	-96.55	-176.5	211.43	-484.57	98.87
Payments for Business Acquisitions	2.34	-	14.49	-	-	-
Capital Expenditures	-13.78	-15.55	-22.03	-11.21	-10.64	-7.62
Sale of Property, Plant & Equipment	7.94	7.38	4.33	8.61	7.8	5.53
Other Investing Activities	115.76	119.87	157.82	73.96	83.77	42.59
Investing Cash Flow	-323.8	-121.72	-574.27	-588.79	-565.31	-483.14
Net Change in Deposits	417.71	485.74	430.66	23.01	543.95	-
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-	-	-	-	-84.48
Long-Term Debt Issued	-	127	-	-	-	-
Long-Term Debt Repaid	-21.66	-51.34	-1.27	-1.21	-51.15	-1.09
Net Long-Term Debt Issued (Repaid)	-21.66	75.66	-1.27	-1.21	-51.15	-1.09
Issuance of Common Stock	0.12	0.2	0.25	0.25	0.22	0.22
Repurchase of Common Stock	-12.87	-12.63	-14.97	-15.6	-31.3	-20.91
Net Common Stock Issued (Repurchased)	-12.75	-12.43	-14.72	-15.35	-31.08	-20.68
Common Dividends Paid	-53.93	-52.6	-50.81	-44.58	-43.61	-42.98
Other Financing Activities	-314.24	-517.7	52.41	234.38	20.94	761.4
Financing Cash Flow	142.25	-21.32	416.26	196.25	439.05	612.16
Net Cash Flow	-28.13	-13.58	-7.25	-241.13	38.79	234.73
Free Cash Flow	139.64	113.92	128.73	140.21	154.41	98.08
Free Cash Flow Growth	22.58%	-11.50%	-8.19%	-9.20%	57.42%	8.68%
FCF Margin	30.68%	25.37%	27.54%	35.97%	39.93%	32.05%
Free Cash Flow Per Share	1.36	1.11	1.26	1.49	1.61	1.00
Levered Free Cash Flow	97.83	212.06	129.42	116.08	104.05	63.9
Unlevered Free Cash Flow	-14.55	-6.18	-26.38	-10.89	16.94	-8.46

Updated Nov 10, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q