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First Commonwealth Financial FCF Free cash flow margin

Free cash flow margin at other companies

F.N.B. Corporation logo
F.N.B. CorporationFNB
25.8%+2.3pp
Huntington Bancshares logo
Huntington BancsharesHBAN
24.4%+0.6pp
First Financial Bankshares logo
First Financial BanksharesFFIN
47.5%-4.4pp
First Bancorp logo
First BancorpFBNC
50.6%-17.1pp
First Financial Bancorp logo
First Financial BancorpFFBC
82.4%+50.5pp
Simmons First National logo
Simmons First NationalSFNC
313.1%+268pp

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

Returns & leverage

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

Where this comes from

Calculated from First Commonwealth Financial’s reported figures.

free cash flow/total revenue=32.8%

Based on trailing twelve months.

The official record: First Commonwealth Financial’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Commonwealth Financial's free cash flow margin?
First Commonwealth Financial (FCF) reported free cash flow margin of 32.8% in Q4 2025.
How has First Commonwealth Financial's free cash flow margin changed year-over-year?
First Commonwealth Financial's free cash flow margin increased by 37.6% year-over-year, from 23.8% to 32.8%.
What is the long-term trend for First Commonwealth Financial's free cash flow margin?
Over 5 years (2020 to 2025), First Commonwealth Financial's free cash flow margin has grown at a 3.9% compound annual growth rate (CAGR), from 27% to 32.8%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.