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First Commonwealth Financial FCF Q4 2025 Annual earnings

Reported January 27, 2026 · After market close

Revenue$137.8MBeat by $2.2M
EPS$0.43Beat by $0.02
Revenue estimate$135.6M
EPS estimate$0.41

Next report

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

Financials

Q4 2025

Income statement

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Revenue$137.9M+14.5%
Net income$44.9M+25.2%
EPS (diluted)$0.43+22.9%

Balance sheet

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Cash & equivalents$180.4M+35.2%
Total debt$456.1M+16.3%
Total equity$1.6B+10.6%
Total assets$12.3B+6.5%

Cash flow

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Operating cash flow$51.8M+283%
CapEx$4.0M+3.5%
Free cash flow$42.9M+50.5%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$1.75B+1.6%
Enterprise value$2.03B+2.2%
P/E11.5×-0.6×
P/S3.3×-0.3×

Profitability

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Net margin29.1%-0.7pp
FCF margin32.8%+9.0pp

Returns & leverage

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Return on equity10.3%-0.2pp
Debt / equity0.3×0.0×

FAQ

When did First Commonwealth Financial report Q4 2025 earnings?
First Commonwealth Financial (FCF) reported Q4 2025 earnings on January 27, 2026 after market close.
What were First Commonwealth Financial's Q4 2025 revenue and EPS?
First Commonwealth Financial reported revenue of $137.8M and eps of $0.43 for Q4 2025.
Did First Commonwealth Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $135.6M by $2.2M. EPS beat the consensus estimate of $0.41 by $0.02.
How did First Commonwealth Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.5% from $120.4M a year earlier and eps grew 22.9% from $0.35.
Where can I find First Commonwealth Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000712537-26-000003) and the 10-K periodic report (0000712537-26-000013) directly on SEC EDGAR. The filing index links above go to sec.gov.