FCF
First Commonwealth Financial
NYSE: FCF · FINANCIAL SERVICES · BANKS - REGIONAL
$18.37
-2.70% today
Updated 2026-04-29
Market cap
$1.88B
P/E ratio
12.09
P/S ratio
3.79x
EPS (TTM)
$1.52
Dividend yield
2.15%
52W range
$15 – $19
Volume
1.0M
First Commonwealth Financial (FCF) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $377.32M | $379.96M | $383.44M | $348.79M | $317.59M | $289.21M | $284.51M | $266.52M | $263.04M | $265.40M | $282.21M | $330.88M | $380.89M | $410.75M | $395.69M | $400.60M | $428.66M | $626.61M | $699.69M | $729.44M |
| Revenue growth (YoY) | — | +0.7% | +0.9% | -9.0% | -8.9% | -8.9% | -1.6% | -6.3% | -1.3% | +0.9% | +6.3% | +17.2% | +15.1% | +7.8% | -3.7% | +1.2% | +7.0% | +46.2% | +11.7% | +4.3% |
| Cost of revenue | $177.65M | $179.75M | $162.09M | $187.34M | $123.15M | $97.49M | $50.69M | $40.93M | $29.70M | $30.54M | $37.06M | $26.86M | $52.57M | $69.94M | $89.66M | $13.92M | $38.84M | $159.13M | $250.74M | $236.32M |
| Gross profit | $199.67M | $200.21M | $221.34M | $161.45M | $194.44M | $191.72M | $233.82M | $225.59M | $233.34M | $234.85M | $245.83M | $304.02M | $328.33M | $340.81M | $306.03M | $386.67M | $389.82M | $467.47M | $448.95M | $493.12M |
| Gross margin | 52.9% | 52.7% | 57.7% | 46.3% | 61.2% | 66.3% | 82.2% | 84.6% | 88.7% | 88.5% | 87.1% | 91.9% | 86.2% | 83.0% | 77.3% | 96.5% | 90.9% | 74.6% | 64.2% | 67.6% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $72.99M | $76.13M | $93.71M | $106.53M | $104.06M | $103.77M | $105.11M | $100.22M | $100.16M | $102.27M | $100.71M | $117.92M | $117.59M | $124.15M | $125.08M | $122.03M | $128.90M | $149.13M | $155.26M | $88.16M |
| Operating income | $61.98M | $52.20M | $49.72M | $-45.88M | $23.22M | $14.89M | $56.61M | $56.76M | $62.13M | $70.98M | $85.23M | $103.73M | $132.77M | $130.85M | $90.20M | $172.82M | $160.19M | $197.56M | $178.21M | $198.36M |
| Operating margin | 16.4% | 13.7% | 13.0% | -13.2% | 7.3% | 5.1% | 19.9% | 21.3% | 23.6% | 26.7% | 30.2% | 31.3% | 34.9% | 31.9% | 22.8% | 43.1% | 37.4% | 31.5% | 25.5% | 27.2% |
| EBITDA | $70.57M | $57.40M | $60.12M | $-36.08M | $33.92M | $23.92M | $64.52M | $68.23M | $75.96M | $78.78M | $92.34M | $112.72M | $140.82M | $141.22M | $101.86M | $184.26M | $170.74M | $201.66M | $184.01M | $204.68M |
| EBITDA margin | 18.7% | 15.1% | 15.7% | -10.3% | 10.7% | 8.3% | 22.7% | 25.6% | 28.9% | 29.7% | 32.7% | 34.1% | 37.0% | 34.4% | 25.7% | 46.0% | 39.8% | 32.2% | 26.3% | 28.1% |
| EBIT | $61.98M | $52.20M | $49.72M | $-45.88M | $23.22M | $14.89M | $56.61M | $57.14M | $62.24M | $71.14M | $85.23M | $103.73M | $132.77M | $130.85M | $90.20M | $172.82M | $160.19M | $197.56M | $178.32M | $198.36M |
| Interest expense | $166.11M | $169.71M | $139.00M | $86.77M | $61.60M | $41.68M | $30.15M | $21.71M | $18.50M | $15.60M | $18.58M | $21.77M | $40.03M | $55.40M | $32.94M | $15.30M | $17.73M | $144.32M | $221.57M | $206.60M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $52.95M | $46.25M | $43.09M | $-20.06M | $22.98M | $15.27M | $41.95M | $41.48M | $44.45M | $50.14M | $59.59M | $55.16M | $107.50M | $105.33M | $73.45M | $138.26M | $128.18M | $157.06M | $142.57M | $152.30M |
| Net income growth (YoY) | — | -12.7% | -6.8% | -146.6% | +214.5% | -33.5% | +174.7% | -1.1% | +7.2% | +12.8% | +18.8% | -7.4% | +94.9% | -2.0% | -30.3% | +88.2% | -7.3% | +22.5% | -9.2% | +6.8% |
| Profit margin | 14.0% | 12.2% | 11.2% | -5.8% | 7.2% | 5.3% | 14.7% | 15.6% | 16.9% | 18.9% | 21.1% | 16.7% | 28.2% | 25.6% | 18.6% | 34.5% | 29.9% | 25.1% | 20.4% | 20.9% |