FCF
First Commonwealth Financial·NYSE
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FCF fundamentals
First Commonwealth Financial (FCF) released its earnings on Jan 28, 2026: revenue was 137.82M (YoY +14.21%), beat estimates; EPS was 0.43 (YoY +22.86%), beat estimates.
Revenue / YoY
137.82M
+14.21%
EPS / YoY
0.43
+22.86%
Report date
Jan 28, 2026
FCF Earnings Call Summary for Q4,2025
- Strong Q4 Performance: Core EPS of $0.43 beat estimates, with NIM of 3.98% and ROA of 1.45%. Year-over-year net interest income grew 11.6%.
- Fee Income Resilience: Fee income at 18% of total revenue, with SBA gains offsetting seasonal declines.
- Credit Stability: Provision for credit losses down 37%, NPLs at 94 basis points (32% government-guaranteed).
- Buyback Activity: $23.1 million in Q4 and $25.2 million for the year, with $22.7 million remaining capacity.
- 2026 Outlook: NIM expected to improve to 4% by year-end; loan growth guidance of 5-7%; expense growth capped at 3%.
- Strategic Shift: Sale of $225 million commercial loans to focus on higher-margin markets, improving liquidity and capital ratios.
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Key Indicators
First Commonwealth Financial (FCF) key financial stats and ratios, covering profitability, financial health, and leverage.
First Commonwealth Financial (FCF)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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First Commonwealth Financial (FCF)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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First Commonwealth Financial (FCF)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does First Commonwealth Financial (FCF) generate its revenue? Explore its key revenue streams and top earning regions.
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Track First Commonwealth Financial (FCF) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the revenue and EPS growth rate for First Commonwealth Financial year over year?What were the key takeaways from First Commonwealth Financial's earnings call?Did First Commonwealth Financial beat or miss consensus estimates last quarter?What were the key takeaways from First Commonwealth Financial’s earnings call?What factors drove the changes in First Commonwealth Financial's revenue and profit?What does First Commonwealth Financial do and what are its main business segments?What is First Commonwealth Financial's latest dividend and current dividend yield?What is the market's earnings forecast for First Commonwealth Financial next quarter?
