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First Commonwealth Financial FCF Weighted-Average Discount Rate

Weighted-Average Discount Rate at other companies

Community Financial System logo
Community Financial SystemCBU
5%0.0pp
Center Bancorp logo
Center BancorpCNOB
6%0.0pp

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:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.

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 weighted-average discount rate?
First Commonwealth Financial (FCF) reported weighted-average discount rate of 4.8% in Q4 2025.
How has First Commonwealth Financial's weighted-average discount rate changed year-over-year?
First Commonwealth Financial's weighted-average discount rate decreased by 9.8% year-over-year, from 5.3% to 4.8%.
What is the long-term trend for First Commonwealth Financial's weighted-average discount rate?
Over 4 years (2021 to 2025), First Commonwealth Financial's weighted-average discount rate has grown at a 19.2% compound annual growth rate (CAGR), from 2.4% to 4.8%.
What does weighted-average discount rate mean?
This represents the average interest rate used to calculate the present value of the company's lease liabilities. It reflects the company's incremental borrowing rate or the rate implicit in the leases. This metric is essential for understanding the cost of capital embedded in the company's off-balance-sheet financing arrangements.