First Commonwealth Financial Corporation (FCF)
NYSE: FCF · Real-Time Price · USD
21.02
-0.17 (-0.80%)
Oct 27, 2026, 4:00 PM EDT - Market closed
FCF Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Income on Loans | 582.8 | 572.71 | 541.29 | 490.71 | 302.21 | 267.6 |
Interest Income on Investments | 59.98 | 59.98 | 59.18 | 39.29 | 27.75 | 26.24 |
Total Interest Income | 642.77 | 632.69 | 600.46 | 530 | 329.95 | 293.84 |
Interest Paid on Deposits | 175.31 | 190.07 | 191.03 | 112.41 | 6.71 | 5.75 |
Interest Paid on Borrowings | 16.53 | 16.53 | 30.54 | 31.92 | 11.02 | 9.55 |
Total Interest Expense | 191.84 | 206.6 | 221.57 | 144.32 | 17.73 | 15.3 |
Net Interest Income | 450.94 | 426.09 | 378.89 | 385.68 | 312.22 | 278.54 |
Net Interest Income Growth | 10.53% | 12.46% | -1.76% | 23.53% | 12.09% | 3.83% |
Trust Income | 14.27 | 12.91 | 11.82 | 10.52 | 10.52 | 11.11 |
Gain (Loss) on Sale of Assets | -1.85 | -0.65 | -0.45 | -0.2 | -0.34 | -0.3 |
Gain (Loss) on Sale of Investments | 1 | -4.35 | -5.45 | -0.1 | 0 | 0.02 |
Other Non-Interest Income | 46.98 | 51.31 | 55.43 | 54.06 | 57.24 | 55.96 |
Total Non-Interest Income | 101.18 | 96.17 | 98.78 | 96.41 | 98.37 | 106.45 |
Non-Interest Income Growth | 4.34% | -2.64% | 2.46% | -1.99% | -7.60% | 13.49% |
Revenues Before Loan Losses | 552.12 | 522.26 | 477.67 | 482.08 | 410.59 | 385 |
Provision for Loan Losses | 40.86 | 36.73 | 29.17 | 14.81 | 21.11 | -1.38 |
| 511.26 | 485.53 | 448.5 | 467.27 | 389.48 | 386.37 | |
Revenue Growth | 9.07% | 8.26% | -4.02% | 19.97% | 0.80% | 26.53% |
Salaries and Employee Benefits | 167.32 | 159.08 | 144.39 | 139.07 | 122.33 | 116.41 |
Occupancy Expenses | 20.87 | 20.71 | 19.78 | 19.22 | 18.04 | 16.59 |
Federal Deposit Insurance | 6.07 | 6.12 | 5.97 | 6.26 | 2.87 | 2.53 |
Amortization of Goodwill & Intangibles | 5.5 | 5.5 | 5.02 | 4.98 | 3.2 | 3.5 |
Selling, General & Administrative | 53.17 | 52.76 | 49 | 47.75 | 43.13 | 40.6 |
Other Non-Interest Expense | 44.07 | 42.7 | 41.14 | 38.75 | 35.2 | 31.61 |
Total Non-Interest Expense | 297.02 | 286.87 | 265.31 | 256.04 | 224.76 | 211.23 |
EBT Excluding Unusual Items | 214.24 | 198.66 | 183.19 | 211.23 | 164.72 | 175.14 |
Legal Settlements | -3.17 | -2.93 | -4.59 | -4.64 | -2.83 | -2.32 |
Pretax Income | 210.62 | 191.36 | 178.21 | 197.56 | 160.19 | 172.82 |
Income Tax Expense | 38.66 | 39.06 | 35.64 | 40.49 | 32 | 34.56 |
Net Income | 171.96 | 152.3 | 142.57 | 157.06 | 128.18 | 138.26 |
Net Income to Common | 171.96 | 152.3 | 142.57 | 157.06 | 128.18 | 138.26 |
Net Income Growth | 20.02% | 6.83% | -9.23% | 22.53% | -7.29% | 88.24% |
Basic Shares Outstanding | 102 | 103 | 102 | 102 | 94 | 96 |
Diluted Shares Outstanding | 102 | 104 | 102 | 102 | 94 | 96 |
Shares Change | -1.23% | 1.29% | 0.38% | 8.45% | -2.04% | -1.96% |
EPS (Basic) | 1.69 | 1.48 | 1.40 | 1.55 | 1.37 | 1.45 |
EPS (Diluted) | 1.69 | 1.47 | 1.39 | 1.54 | 1.37 | 1.44 |
EPS Growth | 21.38% | 5.75% | -9.74% | 12.47% | -4.91% | 92.00% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share | 0.140 | 0.540 | 0.520 | 0.500 | 0.480 | 0.460 |
Dividend Growth | -73.83% | 3.85% | 4.00% | 4.17% | 4.35% | 4.54% |
Effective Tax Rate | 18.36% | 20.41% | 20.00% | 20.50% | 19.98% | 20.00% |