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First Commonwealth Financial FCF Time deposits

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$359.57M-0.8%

Other financials

Income statement

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Revenue$139.4M+6.5%
Net income$44.6M+33.5%
EPS (diluted)$0.44+37.5%

Balance sheet

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Cash & equivalents$110.3M-31.1%
Total debt$263.0M-51.0%
Total equity$1.6B+3.4%
Total assets$12.2B-0.2%

Cash flow

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Operating cash flow$86.8M+55.4%
CapEx$4.0M+3.5%
Free cash flow$42.9M+50.5%

Valuation

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Market cap$2.17B+25.0%
Enterprise value$2.32B+9.9%
P/E12.9×-0.1×
P/S4×+0.4×

Profitability

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Net margin30.8%+3.5pp
FCF margin32.8%+9.0pp

Returns & leverage

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Return on equity10.9%+1.6pp
Debt / equity0.2×-0.2×

Where this comes from

Reported directly by First Commonwealth Financial in its filing.

Tagged under the XBRL concept us-gaap:TimeDeposits.

The source filing: First Commonwealth Financial’s 10-K, filed March 2, 2026.

Filed
Mar 2, 2026, 9:19 AM EST
Fiscal year
FY2025
Accession
0000712537-26-000013
Line item20252024
Interest-bearing demand deposits$1,795,513$688,596
Savings deposits4,241,7624,989,342
Time deposits1,840,9231,750,466
Total interest-bearing deposits$7,878,198$7,428,404

ITEM 8. Financial Statements and Supplementary Data

FAQ

What is First Commonwealth Financial's time deposits?
First Commonwealth Financial (FCF) reported time deposits of $1.84B in Q4 2025.
How has First Commonwealth Financial's time deposits changed year-over-year?
First Commonwealth Financial's time deposits increased by 5.2% year-over-year, from $1.75B to $1.84B.
What is the long-term trend for First Commonwealth Financial's time deposits?
Over 5 years (2020 to 2025), First Commonwealth Financial's time deposits has grown at a 26.7% compound annual growth rate (CAGR), from $562.96M to $1.84B.
What does time deposits mean?
This represents the total value of customer deposits held in accounts with fixed maturity dates, such as certificates of deposit. These instruments provide the bank with predictable, longer-term funding, though they typically carry higher interest costs compared to demand or savings deposits.

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