FIRST COMMONWEALTH FINANCIAL CORP /PA/

FCF

FIRST COMMONWEALTH FINANCIAL CORP /PA/

FCF

Insider Sentiment (TTM):

Last Purchase:2026-05-04Last Sale:2026-06-05Shares Purchased (TTM):8,916Shares Sold (TTM):99,509

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:76,966,115Shares Outstanding:102,117,835Institutional Ownership Pct.:75.37%

Earnings Market Reaction:

Filing Date:2026-08-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	110	118	103	117	121	119	105	127	110	77	125	123
Interest Bearing Deposits In Banks	69	225	77	44	39	23	28	456	78	233	22	214
Available For Sale Securities Debt Securities	1,092	1,042	-1,014	1,059	1,112	1,154	-1,148	1,141	1,071	1,024	-1,021	818
Equity Securities Fv Ni And Without Readily Determ…	-	-	-	-	-	-	-	0	6	-	-	-
Held To Maturity Securities Noncurrent	575	577	-	480	498	519	-	430	454	465	-	430
Other Investments	34	29	38	41	42	33	31	25	24	25	51	49
Loans Receivable Held For Sale Amount	-	-	271	-	-	-	52	-	-	-	30	-
Loans Receivable Held For Sale Net Not Part Of Dis…	45	32	-	63	43	42	-	47	51	32	-	33
Loans And Leases Receivab…
Notes Receivable Gross	9,467	9,434	9,508	9,688	9,571	9,093	8,984	8,966	8,995	9,000	8,969	8,902
Financing Receivable Allowance For Credit Losses	-	-129	-126	-130	-133	-120	-119	-126	-124	-119	-118	-
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-126	-124	-119	-118	-134
Notes Receivable Net	9,340	9,305	9,382	9,559	9,438	8,973	8,865	8,839	8,871	8,881	8,851	8,767
Property Plant And Equipment Net	113	114	114	117	117	115	116	117	119	119	121	123
Real Estate Acquired Through Foreclosure	2	0	1	1	1	1	1	1	0	0	0	1
Goodwill	378	378	378	378	379	364	364	364	364	364	364	364
Intangible Assets Net Excluding Goodwill	20	21	22	23	24	19	20	20	21	22	23	24
Bank Owned Life Insurance	234	235	233	232	230	230	230	229	228	229	228	229
Other Assets	195	187	188	198	193	196	221	189	230	223	204	248
Assets	12,208	12,263	12,343	12,310	12,237	11,786	11,585	11,983	11,627	11,694	11,459	11,422
Liabilities
Deposits Domestic
Noninterest Bearing Deposit Liabilities Domestic	2,414	2,370	2,373	2,420	2,327	2,274	2,250	2,464	2,305	2,334	2,389	2,536
Interest Bearing Deposit Liabilities Domestic	7,846	8,040	7,878	7,811	7,778	7,588	7,428	7,282	7,104	7,112	6,804	6,705
Deposits	10,260	10,410	10,251	10,231	10,105	9,862	9,678	9,746	9,409	9,446	9,192	9,241
Finance Lease Liability	-	4	4	4	4	4	4	4	5	5	5	5
Short Term Borrowings	138	23	148	150	226	78	80	539	538	547	598	544
Subordinated Debt	122	129	128	128	128	128	128	128	128	178	178	178
Other Long Term Debt	0	0	130	130	130	130	130	4	4	4	4	4
Long Term Debt And Capital Lease Obligations	125	132	262	262	262	263	263	136	137	186	187	187
Other Liabilities	116	145	128	126	127	137	159	153	181	182	168	209
Liabilities	10,639	10,710	10,789	10,769	10,719	10,339	10,180	10,574	10,264	10,362	10,145	10,181
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	127	127	127	127	127	124	124	124	124	124	124	124
Additional Paid In Capital	677	676	676	676	676	633	631	631	631	631	630	630
Retained Earnings Accumulated Deficit	1,122	1,092	1,068	1,037	1,010	991	971	948	930	906	881	849
Accumulated Other Comprehensive Income Loss Net Of…	-71	-68	-65	-69	-76	-81	-103	-83	-113	-119	-112	-154
Treasury Stock Value	-286	-274	-251	-229	-219	-219	-218	-211	-208	-209	-209	-208
Stockholders Equity	1,569	1,553	1,554	1,542	1,518	1,447	1,405	1,410	1,363	1,333	1,314	1,241
Liabilities And Stockholders Equity	12,208	12,263	12,343	12,310	12,237	11,786	11,585	11,983	11,627	11,694	11,459	11,422
Held To Maturity Securities Fair Value	521	527	471	428	443	459	337	373	382	394	351	342
Held To Maturity Securities	-	-	519	-	-	-	406	-	-	-	419	-
Loans Held For Sale Fair Value Disclosure	43	30	-	39	42	38	-	-	-	-	-	-
Preferred Stock Par Or Stated Value Per Share	1	1	-	1	1	1	-	1	1	1	-	1
Preferred Stock Shares Authorized	3	3	3	3	3	3	3	3	3	3	3	3
Preferred Stock Shares Issued	0	0	-	0	0	0	-	0	0	0	-	0
Common Stock Shares Issued	-	127	127	127	127	124	124	124	124	124	124	124
Shares Outstanding	101	102	103	104	105	102	102	102	102	102	102	102
Common Stock Par Or Stated Value Per Share	1	1	-	1	1	1	-	1	1	1	-	1
Common Stock Shares Authorized	200	200	200	200	200	200	200	200	200	200	200	200
Treasury Stock Common Shares	25	25	24	22	22	22	22	21	21	21	21	21

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	4.26%	11.67%	17.46%	-	-	-	-	-	-	-	-	-
2025	-1.37%	7.74%	1.94%	10.10%	3.51%	-5.85%	4.70%	6.48%	14.48%	-3.14%	4.49%	5.17%
2024	-1.39%	0.80%	35.62%	7.69%	4.44%	3.94%	-1.74%	-11.76%	-12.07%	-5.38%	-7.94%	-4.88%
2023	-	-	-	-	-	-	8.61%	19.78%	14.66%	3.61%	1.30%	10.35%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	0.94	0.89	0.87	0.96	0.91	0.93	0.95	1.88	2.00	2.16	2.37	2.78
Per Share Metrics
Diluted EPS TTM	1.66	1.53	1.47	1.37	1.29	1.35	1.39	1.48	1.55	1.61	1.54	1.44
Free Cash Flow Per Share TTM	1.89	2.14	1.82	1.43	1.48	1.43	1.27	1.57	1.24	1.49	1.48	1.46
Dividend Per Share TTM	0.56	0.55	0.54	0.52	0.52	0.52	0.52	0.51	0.51	0.50	0.50	0.48
Margin Metrics
Gross Profit Margin TTM	70.62%	69.70%	68.68%	68.66%	67.21%	66.26%	65.91%	63.82%	65.62%	68.40%	72.77%	78.41%
Operating Profit Margin TTM	32.92%	30.73%	30.25%	29.02%	27.57%	28.69%	29.68%	32.00%	34.30%	36.75%	37.27%	38.53%
Net Profit Margin TTM	26.17%	24.45%	24.07%	23.16%	21.96%	22.87%	23.74%	25.48%	27.35%	29.31%	29.63%	30.70%
Growth Metrics
Net Revenue Growth (1Y)	5.37%	6.75%	5.37%	4.04%	5.18%	7.36%	13.30%	23.38%	35.63%	50.25%	60.63%	56.91%
Net Income Growth (1Y)	25.60%	14.11%	6.82%	-5.46%	-15.54%	-16.22%	-9.23%	2.42%	11.20%	25.80%	22.53%	16.31%
EPS Growth (1Y)	28.62%	13.50%	5.47%	-7.56%	-16.83%	-15.88%	-9.54%	2.51%	11.73%	22.81%	12.95%	6.10%
Valuation Metrics
P/E TTM	12.14	11.26	11.19	12.06	12.08	10.94	11.45	10.86	8.29	7.98	9.14	7.64
P/B TTM	1.30	1.14	1.10	1.12	1.07	1.04	1.16	1.17	0.97	0.98	1.09	0.91
P/S TTM	3.18	2.75	2.69	2.79	2.65	2.50	2.72	2.77	2.27	2.34	2.71	2.35
Market Cap	2.04B	1.77B	1.70B	1.73B	1.62B	1.51B	1.63B	1.65B	1.32B	1.31B	1.44B	1.13B
Enterprise Value	2.13B	1.58B	1.93B	1.98B	1.95B	1.71B	1.84B	1.74B	1.80B	1.73B	2.07B	1.52B
Calculated Values
Free Cash Flow TTM	191.72M	218.48M	187.54M	149.31M	153.42M	145.70M	129.46M	159.97M	126.76M	151.80M	150.76M	149.47M
Net Debt	83.40M	-188.01M	229.35M	250.20M	328.08M	198.84M	209.72M	92.80M	485.90M	422.66M	637.60M	394.01M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-05Sale

Owner: Reske, James R

Title: EVP/Chief Financial Officer

Shares: 2,072

Price/Share: $18.95

Value: $39,264.40

Shares Owned: 79,276

Relationship: Officer

Ownership: Direct

2026-06-04Sale

Owner: Mccuen, Michael P

Title: EVP/Chief Banking Officer

Shares: 5,250

Price/Share: $19.12

Value: $100,380.00

Shares Owned: 51,611

Relationship: Officer

Ownership: Direct

2026-05-18Sale

Owner: Lyon, Lee E Ii

Title: EVP / Chief Audit Executive

Shares: 35,000

Price/Share: $18.40

Value: $644,000.00

Shares Owned: 57,739

Relationship: Officer

Ownership: Direct

2026-05-05Sale

Owner: Reske, James R

Title: EVP/Chief Financial Officer

Shares: 2,072

Price/Share: $18.52

Value: $38,373.44

Shares Owned: 81,348

Relationship: Officer

Ownership: Direct

2026-05-04Purchase

Owner: Brice, Todd D

Title: -

Shares: 1,000

Price/Share: $18.58

Value: $18,580.00

Shares Owned: 14,500

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-05	Reske, James R	Officer	EVP/Chief Financial Officer	Direct	Sale	2,072	18.95	$39,264.40	79,276	4
2026-06-04	Mccuen, Michael P	Officer	EVP/Chief Banking Officer	Direct	Sale	5,250	19.12	$100,380.00	51,611	4
2026-05-18	Lyon, Lee E Ii	Officer	EVP / Chief Audit Executive	Direct	Sale	35,000	18.40	$644,000.00	57,739	4
2026-05-05	Reske, James R	Officer	EVP/Chief Financial Officer	Direct	Sale	2,072	18.52	$38,373.44	81,348	4
2026-05-04	Brice, Todd D	Director	-	Direct	Purchase	1,000	18.58	$18,580.00	14,500	4
2026-05-01	Montgomery, Norman J	Officer	EVP/Business Integration	Direct	Sale	12,964	18.41	$238,667.24	50,104	4
2026-04-06	Reske, James R	Officer	EVP/Chief Financial Officer	Direct	Sale	2,072	17.87	$37,026.64	83,420	4
2026-03-05	Reske, James R	Officer	EVP/Chief Financial Officer	Direct	Sale	2,072	17.60	$36,467.20	85,492	4
2026-02-06	Grebenc, Jane	Director,Officer	EVP/Chief Revenue Officer	Direct	Sale	18,598	18.85	$350,572.30	158,975	4
2026-02-05	Reske, James R	Officer	EVP/Chief Financial Officer	Direct	Sale	2,072	18.92	$39,202.24	87,564	4
2026-02-05	Grebenc, Jane	Director,Officer	EVP/Chief Revenue Officer	Direct	Sale	7,402	18.80	$139,157.60	177,573	4
2026-02-03	Brice, Todd D	Director	-	Direct	Purchase	1,000	18.23	$18,230.00	13,500	4
2026-01-05	Reske, James R	Officer	EVP/Chief Financial Officer	Direct	Sale	2,072	16.81	$34,830.32	80,311	4
2025-12-05	Reske, James R	Officer	EVP/Chief Financial Officer	Direct	Sale	1,965	16.53	$32,481.45	82,383	4
2025-11-21	Mccuen, Michael P	Officer	EVP/Chief Banking Officer	Direct	Purchase	3,090	16.19	$50,027.10	62,111	4
2025-11-07	Reske, James R	Officer	EVP/Chief Financial Officer	Direct	Sale	1,518	15.54	$23,589.72	84,348	4
2025-11-03	Brice, Todd D	Director	-	Direct	Purchase	1,000	15.27	$15,270.00	12,500	4
2025-10-06	Reske, James R	Officer	EVP/Chief Financial Officer	Direct	Sale	2,190	16.99	$37,208.10	85,866	4
2025-09-08	Reske, James R	Officer	EVP/Chief Financial Officer	Direct	Sale	2,190	17.74	$38,850.60	88,056	4
2025-09-03	Mccuen, Michael P	Officer	EVP/Chief Banking Officer	Direct	Purchase	2,826	17.67	$49,935.42	59,021	4
2025-08-06	Reske, James R	Officer	EVP/Chief Financial Officer	Direct	Sale	2,190	16.67	$36,507.30	90,246	4
2025-08-04	Brice, Todd D	Director	-	Direct	Purchase	1,000	16.52	$16,520.00	11,500	4
2025-05-13	Brice, Todd D	Director	-	Direct	Purchase	7,000	16.09	$112,630.00	10,500	4
2025-02-10	Mccuen, Michael P	Officer	EVP/Chief Lending Officer	Direct	Purchase	3,020	16.57	$50,041.40	60,643	4
2024-09-23	Mccuen, Michael P	Officer	EVP/Chief Lending Officer	Direct	Purchase	2,919	16.99	$49,593.81	57,623	4
2024-02-26	Karrip, Brian G	Officer	EVP/Chief Credit Officer	Direct	Sale	8,926	13.09	$116,841.34	52,036	4
2023-11-03	Riggle, Carrie L	Officer	EVP/Human Resources	Direct	Sale	7,563	13.21	$99,907.23	46,309	4
2023-10-27	Charley, Ray T	Director	-	Direct	Sale	875	12.02	$10,517.50	328,550	4
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Institutional Ownership

No data available for chart

2026-03-31

75.37%

Inst. Shares: 76,966,115

Shares Outstanding: 102,117,835

2025-12-31

74.39%

Inst. Shares: 76,785,535

Shares Outstanding: 103,220,081

2025-09-30

74.64%

Inst. Shares: 77,916,710

Shares Outstanding: 104,383,217

2025-06-30

76.23%

Inst. Shares: 78,993,087

Shares Outstanding: 103,628,392

2025-03-31

74.57%

Inst. Shares: 75,733,296

Shares Outstanding: 101,566,089

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	76,966,115	102,117,835	75.37%
2025-12-31	76,785,535	103,220,081	74.39%
2025-09-30	77,916,710	104,383,217	74.64%
2025-06-30	78,993,087	103,628,392	76.23%
2025-03-31	75,733,296	101,566,089	74.57%
2024-12-31	74,017,070	101,913,111	72.63%
2024-09-30	73,460,889	102,069,233	71.97%
2024-06-30	73,466,997	102,047,224	71.99%
2023-12-31	70,614,007	101,556,427	69.53%
2023-09-30	67,596,397	102,159,213	66.17%
2023-06-30	65,269,026	102,530,052	63.66%
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FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) — SEC Financial Statements & Analysis

FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) is a national commercial banks company, incorporated in PA. FIRST COMMONWEALTH FINANCIAL CORP /PA/ trades on NYSE as: FCF. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FIRST COMMONWEALTH FINANCIAL CORP /PA/ reported a 5.37% year-over-year revenue growth, a Gross Profit Margin of 70.62% (TTM), a Price-to-Sales (P/S) ratio of 3.18x (TTM), a Price-to-Book (P/B) ratio of 1.30x (TTM), at a market cap of $2.04B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 5.37%
Gross Profit Margin TTM: 70.62%
P/S TTM: 3.18x
P/B TTM: 1.30x
Market Cap: $2.04B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is FIRST COMMONWEALTH FINANCIAL CORP /PA/ in?

FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) operates in the National Commercial Banks industry.

What is FCF's market cap?

FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) has a market capitalization of $2.04B as of 2026-06-30.

What is FCF's P/E ratio?

FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF)'s trailing twelve month P/E ratio is 12.14x as of 2026-06-30.

What exchange does FCF trade on?

FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) trades on the NYSE.

Where is FIRST COMMONWEALTH FINANCIAL CORP /PA/ incorporated?

FIRST COMMONWEALTH FINANCIAL CORP /PA/ is incorporated in PA.