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First Commonwealth Financial FCF Q3 2025 earnings

Reported October 28, 2025 · After market close

Revenue$136.0MMiss by $2.0M
EPS$0.39Miss by $0.02
Revenue estimate$138.0M
EPS estimate$0.41

Next report

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

Financials

Q3 2025

Income statement

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Revenue$136.0M+12.2%
Net income$41.3M+28.8%
EPS (diluted)$0.39+25.8%

Balance sheet

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Cash & equivalents$161.4M-72.3%
Total debt$459.1M-36.7%
Total equity$1.5B+9.4%
Total assets$12.3B+2.7%

Cash flow

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Operating cash flow$49.5M-7.7%
CapEx$4.0M+3.5%
Free cash flow$42.9M+50.5%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.78B+1.5%
Enterprise value$2.08B+9.6%
P/E12.4×+0.9×
P/S3.5×-0.1×

Profitability

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Net margin28.3%-3.4pp
FCF margin31.1%+6.5pp

Returns & leverage

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Return on equity9.7%-1.7pp
Debt / equity0.3×-0.2×

FAQ

When did First Commonwealth Financial report Q3 2025 earnings?
First Commonwealth Financial (FCF) reported Q3 2025 earnings on October 28, 2025 after market close.
What were First Commonwealth Financial's Q3 2025 revenue and EPS?
First Commonwealth Financial reported revenue of $136.0M and eps of $0.39 for Q3 2025.
Did First Commonwealth Financial beat estimates in Q3 2025?
Revenue missed the consensus estimate of $138.0M by $2.0M. EPS missed the consensus estimate of $0.41 by $0.02.
How did First Commonwealth Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.2% from $121.2M a year earlier and eps grew 25.8% from $0.31.
Where can I find First Commonwealth Financial's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000712537-25-000124) and the 10-Q periodic report (0000712537-25-000129) directly on SEC EDGAR. The filing index links above go to sec.gov.