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First Commonwealth Financial FCF Defined Benefit Plan Healthcare Cost Trend Rate

Defined Benefit Plan Healthcare Cost Trend Rate at other companies

First Commonwealth Financial logo
First Commonwealth FinancialFCF
4.8%0.0pp
OGS
ONE GASOGS
7.5%+0.5pp
Crane NXT, Inc. logo
Crane NXT, Inc.CXT
8.5%+1.5pp
Minerals Technologies logo
Minerals TechnologiesMTX
5%
PPG Industries logo
PPG IndustriesPPG
6.6%+1.1pp
M&T Bank logo
M&T BankMTB
6.8%-0.3pp

Other financials

Income statement

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Revenue$133.6M+13.2%
Net income$37.5M+14.8%
EPS (diluted)$0.37+15.6%

Balance sheet

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Cash & equivalents$342.9M+143%
Total debt$199.7M-48.6%
Total equity$1.6B+7.3%
Total assets$12.3B+4.0%

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$2.03B+13.6%
Enterprise value$1.89B-9.6%
P/E12.9×-0.1×
P/S3.8×0.0×

Profitability

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Net margin29.2%+0.5pp
FCF margin32.8%+9.0pp

Returns & leverage

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Return on equity10.5%+0.6pp
Debt / equity0.1×-0.1×

Where this comes from

Reported directly by First Commonwealth Financial in its filing.

Tagged under the XBRL concept us-gaap:DefinedBenefitPlanUltimateHealthCareCostTrendRate1.

The official record: First Commonwealth Financial’s 10-K, filed March 2, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Commonwealth Financial's defined benefit plan healthcare cost trend rate?
First Commonwealth Financial (FCF) reported defined benefit plan healthcare cost trend rate of 4.8% in Q4 2025.
How has First Commonwealth Financial's defined benefit plan healthcare cost trend rate changed year-over-year?
First Commonwealth Financial's defined benefit plan healthcare cost trend rate decreased by 0.0% year-over-year, from 4.8% to 4.8%.
What is the long-term trend for First Commonwealth Financial's defined benefit plan healthcare cost trend rate?
Over 4 years (2021 to 2025), First Commonwealth Financial's defined benefit plan healthcare cost trend rate has grown at a 0.0% compound annual growth rate (CAGR), from 4.8% to 4.8%.
What does defined benefit plan healthcare cost trend rate mean?
This is the assumed annual rate of increase in the per capita cost of covered healthcare benefits for defined benefit plans. It is a critical actuarial assumption used to estimate the future liability of post-retirement healthcare obligations. Changes in this rate significantly impact the valuation of the company's long-term benefit liabilities.