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FIRST COMMONWEALTH FINANCIAL CORP /PA/

FCF

$21.50 ▲ +0.06 (+0.28%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

FIRST COMMONWEALTH FINANCIAL CORP /PA/ shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $2.2B

Dividend Yield 2.49%

Revenue Growth 9.4% ↗

Op. Margin 36.6% →

ROIC None

FCF / Share None

Trailing P/E 14.5x

Price / Book 1.4x

FCF Yield —

Debt / Equity 0.10

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$522.91M

↑ +9.4% —

Net Income Profit after all expenses

$152.30M

↑ +6.8% —

Operating Margin Operating profit as % of sales

36.6%

↓ -1.8% 91th

Long-Term Debt Long-term obligations

$233.25M

— -0.4% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.54 Latest / share

+3.9% YoY

+6.1% 12-yr CAGR

$0.28

FY 2014

$0.28

FY 2015

$0.28

FY 2016

$0.32

FY 2017

$0.35

FY 2018

$0.40

FY 2019

$0.44

FY 2020

$0.46

FY 2021

$0.47

FY 2022

$0.49

FY 2023

$0.52

FY 2024

$0.54

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	9.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+56%)	-0.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-114%)	17.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+189%)	6.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	6.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	2.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-65%)	4.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-29%)	10.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+71%)	17.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+188%)	5.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-8%)	2.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-64%)	-0.1% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-102%)	-3.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-163%)	2.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	-3.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-155%)	13.4% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+123%)	—	—
EPS Growth YoY (%)	5.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-9.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	13.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-5.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	93.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-29.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	87.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-13.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	19.6% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	16.7% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	11.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	7.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	166.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-40.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	6.8% Fair ↑ Fair Improving Year-over-year change in net income	-9.2% Weak ↓ Weak Declining Year-over-year change in net income	22.5% Good ↑ Good Improving Year-over-year change in net income	-7.3% Weak ↓ Weak Declining Year-over-year change in net income	88.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-30.3% Weak ↓ Weak Declining Year-over-year change in net income	-2.0% Weak ↓ Weak Declining Year-over-year change in net income	94.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-7.4% Weak ↓ Weak Declining Year-over-year change in net income	18.8% Good ↑ Good Improving Year-over-year change in net income	12.8% Fair ↓ Fair Declining Year-over-year change in net income	7.2% Fair ↓ Fair Declining Year-over-year change in net income	-1.1% Weak ↓ Weak Declining Year-over-year change in net income	174.7% Excellent Excellent Year-over-year change in net income	-33.5% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	8.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.5% Weak Weak Compound annual revenue growth over 3 years	4.0% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	7.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.2% Fair → Fair Stable Compound annual revenue growth over 5 years	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.3% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-0.5% Weak Weak Compound annual revenue growth over 5 years	1.6% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	2.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-1.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	27.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	10.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	8.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	16.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	24.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	15.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	11.9% Good ↓ Good Declining Compound annual EPS growth over 3 years	47.4% Excellent Excellent Compound annual EPS growth over 3 years	19.8% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	36.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	37.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	41.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	39.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	44.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	20.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	29.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	29.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	32.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	31.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	35.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	20.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	29.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	31.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	17.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	22.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	18.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	16.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	16.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	6.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	9.0% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	-8.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-140%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	10.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	12.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	10.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	11.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	6.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	7.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	6.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	5.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	5.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	2.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	3.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	-3.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-126%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.10x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.06x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.45x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	0.35x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.33x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.41x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.93x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-23%)	0.90x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	1.27x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+5%)	2.21x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+84%)	1.77x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+47%)	1.18x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.85x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	0.69x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-43%)	0.52x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$5.07	$4.69	$4.75	$4.39	$4.03	$3.72	$3.61	$3.44	$3.25	$2.97	$2.80	$2.63	$2.52	$2.45	$2.36	$2.75	$2.67	—
Basic EPS, GAAP (USD)	$1.48	$1.40	$1.55	$1.37	$1.45	$0.75	$1.07	$1.09	$0.58	$0.67	$0.56	$0.48	$0.43	$0.40	$0.15	$0.25	$-0.24	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.54	$0.52	$0.49	$0.47	$0.46	$0.44	$0.40	$0.35	$0.32	$0.28	$0.28	$0.28	$0.23	$0.18	$0.12	$0.06	$0.18	—
Book Value per Share (USD)	$15.11	$13.81	$12.87	$11.27	$11.77	$11.12	$10.74	$9.90	$9.11	$8.43	$8.09	$7.81	$7.47	$7.49	$7.23	$7.15	$7.55	—
Tangible Book Value per Share (USD)	$11.22	$10.04	$9.09	$7.92	$8.43	$7.82	$7.49	$6.98	$6.34	$6.20	$6.23	$6.03	$5.78	$5.86	$5.67	$5.57	$7.55	—
Basic Weighted Avg Shares (shares)	103.22M	101.91M	101.56M	93.61M	95.58M	97.50M	98.32M	99.04M	95.22M	88.85M	89.36M	93.11M	97.03M	103.89M	104.70M	93.20M	84.59M	—
Dividend Payout Ratio (%)	36.1% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	36.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	31.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	34.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	31.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	58.7% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	32.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	55.2% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	41.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	50.0% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	58.3% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	53.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	45.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	80.0% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	-75.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	$233.25M	$234.18M	$185.06M	$87.92M	$80.92M	$81.48M	$161.63M	$216.55M	$280.22M	$207.41M	$204.50M	—	—
Total Equity (USD)	$1.55B	$1.41B	$1.31B	$1.05B	$1.11B	$1.07B	$1.06B	$975.39M	$888.13M	$749.93M	$719.55M	$716.14M	$711.70M	$746.01M	$758.54M	$749.78M	$638.81M	$652.78M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$522.91M	$478.12M	$482.29M	$410.93M	$385.30M	$362.75M	$355.35M	$340.86M	$309.11M	$263.63M	$249.80M	$244.54M	$244.81M	$254.36M	$247.54M	$256.00M	$225.84M	—
Depreciation Expense (USD)	$9.40M	$9.40M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$152.30M	$142.57M	$157.06M	$128.18M	$138.26M	$73.45M	$105.33M	$107.50M	$55.16M	$59.59M	$50.14M	$44.45M	$41.48M	$41.95M	$15.27M	$22.98M	$-20.06M	—
Operating Cash Flow (USD)	$187.54M	$129.46M	$150.76M	$151.41M	$165.05M	$105.70M	$107.63M	$135.26M	$88.31M	$89.27M	$72.75M	$82.14M	$85.73M	$78.72M	$84.12M	$110.87M	$57.23M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.3%	3.4%	3.2%	2.9%	3.0%	3.2%	3.2%	3.1%	3.0%	2.9%	2.9%	3.0%	3.2%	3.3%	3.6%	—	—
Efficiency Ratio (%) (%)	56.4%	56.6%	56.0%	55.9%	55.5%	59.5%	59.1%	57.4%	64.8%	60.7%	65.6%	70.0%	69.0%	69.7%	71.4%	66.9%	75.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 70 quarters

FIRST COMMONWEALTH FINANCIAL CORP /PA/

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