First Commonwealth Financial Corporation (FCF) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI

First Commonwealth Financial Corporation (FCF) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI | MarketCI

FCF

Market Closed

First Commonwealth Financial Corporation

NYSEFinancial Services Banks - Regional

1.59K employees

CEO: Thomas Michael Price

Founded: 1992

$20.87

+$0.00(+NaN%)

Market Cap

2.12B

Beta

0.73

52W Range

N/A

Dividend Yield

2.61%

Overview Forecasts Fundamental Market Sentiment Valuation Ownership

Financial Statements

Comprehensive breakdown of financial statements and performance metrics

Gross Margin

67.6%

9.8%

CAGR: 6.3%

Profit after direct costs

Operating Margin

27.2%

11.3%

CAGR: 3.5%

Core business profitability

Net Margin

20.9%

6.8%

CAGR: 2.4%

Bottom line profitability

Revenue Growth

4.3%

YoY

CAGR: 16.2%

Top line growth rate

Revenue Flow Analysis

Visual flow showing how FCF allocates revenue across expenses and profit

Fiscal Year 2025

Revenue Distribution

Flow of revenue through cost categories to net income

Gross Margin

67.6%

$493.12M

Operating Margin

27.2%

$198.36M

Net Margin

20.9%

$152.30M

Detailed Income Statement

Complete profit and loss breakdown with margin analysis and historical comparison

Item	2021	2022	2023	2024	2025	YoY Change
Total Revenue	400.60M	428.66M	626.61M	699.69M	729.44M	4.3%
Cost of Revenue	(13.92M)	(38.84M)	(159.13M)	(250.74M)	(236.32M)	-5.8%
Gross Profit	386.67M	389.82M	467.47M	448.95M	493.12M	9.8%
Operating Expenses
Research & Development	—	—	—	—	—	—
Selling, General & Administrative	(127.02M)	(133.93M)	(154.84M)	(160.79M)	(94.61M)	-41.2%
General & Administrative	(122.03M)	(128.90M)	(149.13M)	(155.26M)	(88.16M)	-43.2%
Selling & Marketing	(4.98M)	(5.03M)	(5.71M)	(5.54M)	(6.45M)	16.5%
Depreciation & Amortization	(11.44M)	(10.55M)	(4.10M)	(5.69M)	(6.32M)	11.1%
Operating Income (EBIT)	172.82M	160.19M	197.56M	178.21M	198.36M	11.3%
Non-Operating Items
Interest Income	293.32M	329.08M	526.99M	598.41M	630.67M	5.4%
Interest Expense	(15.30M)	(17.73M)	(144.32M)	(221.57M)	(206.60M)	-6.8%
Other Income/Expenses (Net)	—	—	—	—	-7.00M	—
Income Before Tax	172.82M	160.19M	197.56M	178.21M	191.36M	7.4%
Income Tax Expense	(34.56M)	(32.00M)	(40.49M)	(35.64M)	(39.06M)	9.6%
Net Income	138.26M	128.18M	157.06M	142.57M	152.30M	6.8%
Per Share Metrics
Earnings Per Share (Basic)	$1	$1	$2	$1	$1	5.7%
Weighted Avg Shares Outstanding	94.23M	93.61M	101.56M	101.91M	102.84M	0.9%
Weighted Avg Shares Outstanding (Diluted)	95.84M	93.89M	101.82M	102.20M	103.64M	1.4%
EBITDA	184.26M	170.74M	201.66M	184.01M	204.68M	11.2%

Explore FCF

Overview

Key metrics and AI-powered insights

Forecast

Price targets and earnings estimates

Fundamentals

Income, balance sheet and cash flow

Valuation

P/E, DCF and valuation multiples

Ownership

Institutional and insider holdings

Sentiment

Analyst ratings and news sentiment

FCF in the Financial Services

Mid Cap

Financial Services

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Banks - Regional

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