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First Commonwealth Financial FCF Provision for Credit Losses

Provision for Credit Losses at other companies

F.N.B. Corporation logo
F.N.B. CorporationFNB
$22M-15.4%
Huntington Bancshares logo
Huntington BancsharesHBAN
$7M+123%
First Financial Bancorp logo
First Financial BancorpFFBC
$12.93M+42.4%
Bank First Corporation logo
Bank First CorporationBFC
$0+100%
First Financial Corporation logo
First Financial CorporationTHFF
$1.3M-33.3%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$528K-76.7%

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$179.6M+12.2%
Total debt$307.0M-42.8%
Total equity$1.6B+3.4%
Total assets$12.2B-0.2%

Cash flow

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Operating cash flow$3.6M-88.0%
CapEx$4.0M+3.5%
Free cash flow$42.9M+50.5%

Valuation

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Market cap$2.17B+27.6%
Enterprise value$2.3B+10.7%
P/E12.9×+0.2×
P/S+0.5×

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:ProvisionForLoanLeaseAndOtherLosses.

The source filing: First Commonwealth Financial’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 4:29 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000712537-26-000030
Line itemFor the Three Months Ended June 30, 2026For the Three Months Ended June 30, 2025For the Six Months Ended June 30, 2026For the Six Months Ended June 30, 2025
Interest income$159,322$158,926$316,540$306,054
Interest expense46,88052,68595,124104,291
Net interest income112,442106,241221,416201,763
Provision for credit losses8,93112,65719,66418,393
Noninterest Income
Trust income3,5833,0296,9916,051
Service charges on deposit accounts5,7445,59511,27411,033
Insurance and retail brokerage commissions3,0853,0976,3526,267

ITEM 1. Financial Statements and Supplementary Data

FAQ

What is First Commonwealth Financial's provision for credit losses?
First Commonwealth Financial (FCF) reported provision for credit losses of $8.93M in Q2 2026.
How has First Commonwealth Financial's provision for credit losses changed year-over-year?
First Commonwealth Financial's provision for credit losses decreased by 29.4% year-over-year, from $12.66M to $8.93M.
What is the long-term trend for First Commonwealth Financial's provision for credit losses?
Over 4 years (2021 to 2025), First Commonwealth Financial's provision for credit losses has grown at a 127.3% compound annual growth rate (CAGR), from -$1.38M to $36.73M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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