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First Commonwealth Financial FCF Q2 2025 earnings

Reported July 29, 2025 · After market close

Revenue$130.9MMiss by $3.1M
EPS$0.38Beat by $0.04
Revenue estimate$134.0M
EPS estimate$0.34

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$141.4M
EPS estimate$0.45

Financials

Q2 2025

Income statement

See full
Revenue$131.0M+9.0%
Net income$33.4M-9.9%
EPS (diluted)$0.32-11.1%

Balance sheet

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Cash & equivalents$160.2M-14.9%
Total debt$536.5M-26.1%
Total equity$1.5B+11.4%
Total assets$12.2B+5.2%

Cash flow

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Operating cash flow$30.4M+34.0%
CapEx$4.0M+3.5%
Free cash flow$42.9M+50.5%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$1.68B+18.8%
Enterprise value$2.05B+5.3%
P/E12.5×+3.6×
P/S3.4×+0.5×

Profitability

See full
Net margin27.3%-5.8pp
FCF margin29.1%+3.8pp

Returns & leverage

See full
Return on equity9.3%-2.9pp
Debt / equity0.4×-0.2×

FAQ

When did First Commonwealth Financial report Q2 2025 earnings?
First Commonwealth Financial (FCF) reported Q2 2025 earnings on July 29, 2025 after market close.
What were First Commonwealth Financial's Q2 2025 revenue and EPS?
First Commonwealth Financial reported revenue of $130.9M and eps of $0.38 for Q2 2025.
Did First Commonwealth Financial beat estimates in Q2 2025?
Revenue missed the consensus estimate of $134.0M by $3.1M. EPS beat the consensus estimate of $0.34 by $0.04.
Where can I find First Commonwealth Financial's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000712537-25-000096) and the 10-Q periodic report (0000712537-25-000107) directly on SEC EDGAR. The filing index links above go to sec.gov.