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.
EPS
Actual | 0.05 | 0.24 | 0.2 | 0.27 | 0.41 | 0.31 | 0.36 | 0.37 | 0.29 | 0.33 | 0.36 | 0.38 | 0.3 | 0.42 | 0.38 | 0.44 | 0.37 | 0.36 | 0.31 | 0.35 | 0.32 | 0.32 | 0.39 | 0.43 | ||||||||||
Forecast | 0.1914 | 0.0933 | 0.2357 | 0.2333 | 0.3148 | 0.3307 | 0.3188 | 0.3313 | 0.2975 | 0.3314 | 0.38 | 0.4229 | 0.3357 | 0.4114 | 0.4 | 0.3914 | 0.3586 | 0.3514 | 0.3557 | 0.3514 | 0.3214 | 0.2833 | 0.41 | 0.42 | ||||||||||
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -73.88% | +157.23% | -15.15% | +15.73% | +30.24% | -6.26% | +12.92% | +11.68% | -2.52% | -0.42% | -5.26% | -10.14% | -10.63% | +2.09% | -5.00% | +12.42% | +3.18% | +2.45% | -12.85% | -0.40% | -0.44% | +12.95% | -4.88% | +2.38% |
Revenue
Actual | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 89.12M | 89.07M | 93.65M | 94.82M | 95.67M | 94.84M | 97.91M | 95.62M | 92.05M | 98.37M | 108.53M | 112.65M | 117.72M | 122.57M | 122.96M | 120.36M | 116.60M | 120.51M | 121.51M | 120.67M | 118.51M | 131.33M | 135.96M | 137.82M |
Forecast | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 89.25M | 88.13M | 92.37M | 92.34M | 95.97M | 94.31M | 94.52M | 97.25M | 94.06M | 97.41M | 105.46M | 113.40M | 123.96M | 122.82M | 123.82M | 123.58M | 119.80M | 118.34M | 119.47M | 119.68M | 117.38M | 125.88M | 136.22M | 135.63M |
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.15% | +1.06% | +1.38% | +2.69% | -0.32% | +0.56% | +3.58% | -1.68% | -2.13% | +0.99% | +2.91% | -0.66% | -5.04% | -0.20% | -0.69% | -2.61% | -2.67% | +1.83% | +1.71% | +0.83% | +0.96% | +4.33% | -0.19% | +1.62% |
Earnings Call
You can ask Aime
What is First Commonwealth Financial's gross profit margin?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?What is the market's earnings forecast for First Commonwealth Financial next quarter?What factors drove the changes in First Commonwealth Financial's revenue and profit?What were the key takeaways from First Commonwealth Financial's earnings call?What does First Commonwealth Financial do and what are its main business segments?Did First Commonwealth Financial beat or miss consensus estimates last quarter?
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