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First Commonwealth Financial (FCF) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · First Commonwealth Financial (FCF) Q3 2026 earnings results →

Q3 2026 Revenue up 5% year over year to $143M · 31¢ of every $1 of revenue kept as net profit · operating margin 35.4%

First Commonwealth Financial made $143M in Q3 2026 (+5% Y/Y): Net interest income $116M, Noninterest income $26.7M. Operating margin 35.4%, net earnings $44.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.

Revenue$143M
Year over year+5%
Operating margin35.4%
Net earnings$44.9M
Operating cash flow$16.0M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $143.0M in Q3 2026, up 5% year over year and up 3% from the previous quarter. Net interest income was the largest line at 81% of revenue. Net interest income added $5.2M year over year (up 5%), 74% of the total change.

Operating profit was $50.7M, a 35.4% margin (down 2.7 points year over year). Operating profit fell $1.1M even though revenue rose $7.1M versus a year earlier, so costs grew faster than sales. Total costs grew 10% against revenue growth of 5%. The fastest-growing cost line was Credit loss provision (+25%). Net earnings were $44.9M, up 9% year over year. The effective tax rate was 11.3%.

Operating cash flow was $16.0M (down 68% year over year), 36% of net earnings. Non-cash charges added back $2.0M of depreciation and amortization. Working capital and other items used $31.0M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 6, 2026$143M+5%35.4%$44.9M$16.0M

Charts

First Commonwealth Financial: where the cash came from (+) and went (−), TTM to Q3 2026First Commonwealth Financial: where the cash came from (+) and went (−), TTM to Q3 2026Operating cash flow$158MBuybacks−$148MOther financing−$93.6MOther investing$89.4MDividends−$56.2MCash drawn (+) / kept (−)$33.4MNet borrowing (+) / repaid (−)$17.5MAcquisitions−$960KShares issued$262K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
First Commonwealth Financial: profit against cash, quarter by quarterFirst Commonwealth Financial: profit against cash, quarter by quarterNet incomeOperating cash flow$35.8M$13.5MQ4 2024$32.7M$55.9MQ1 2025$33.4M$30.4MQ2 2025$41.3M$49.5MQ3 2025$44.9M$51.8MQ4 2025$37.5M$86.8MQ1 2026$44.6M$3.6MQ2 2026$44.9M$16.0MQ3 2026
Latest (Q3 2026): Net income $44.9M, Operating cash flow $16.0M.
First Commonwealth Financial: diluted shares by fiscal yearFirst Commonwealth Financial: diluted shares by fiscal year98MFY202096MFY202194MFY2022102MFY2023102MFY2024104MFY2025
+5.9% since FY2020: more shares outstanding (issuance, stock pay).
First Commonwealth Financial in its industry: growth against margin (68 companies, SIC 6021)First Commonwealth Financial in its industry: growth against margin (68 companies, SIC 6021)revenue growth, year over year →↑ operating marginmedian +8%median 37%JPMBACCWFCCOFUSBPNCTFCHBANKEYPNFPHSBC USA IncZIONUMBFWebster Financial CorpONBCFRVLYBOKFBANCFNBFHNFULTWSFSFFBCWSBCCBUPRKTRMKWAFDFRMENBTBCASHBANFOCFCNWBITBBKNICHOPEDCOMNBHCBHRBAMTBWBHCCHCOALRSHAFCNEWTCACCBNKBFCFMCBWABCSHBIPFISCAREBCALSFSTMRBKFDBCFNLCFUNCLCNBATLOCFBKASRVNKSHFCF (+5%, 35%)
National Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About First Commonwealth Financial

First Commonwealth Financial Corporation (“First Commonwealth,” the “Company” or “we”) is a financial holding company headquartered in Indiana, Pennsylvania. First Commonwealth's operating subsidiaries include First Commonwealth Bank ("FCB" or the "Bank"), First Commonwealth Insurance Agency, Inc. ("FCIA") and FRAMAL. We provide a diversified array of consumer and commercial banking services through our bank subsidiary, FCB. We also provide trust and wealth management services through FCB and offer insurance products through FCIA. At December 31, 2025, we had total assets of $12.3 billion, total loans of $9.8 billion, total deposits of $10.3 billion and shareholders’ equity of $1.6 billion. Our principal executive office is located at 601 Philadelphia Street, Indiana, Pennsylvania 15701, and our telephone number is (724) 349-7220.

In its own words, from its 10-K, filed Mar 2, 2026.

First Commonwealth Financial against its National Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +6%. Operating margin: 35.4% against the peers' median 32.5%.

CompanyQuarterRevenueY/YOp. margin
FCF First Commonwealth FinancialQ3 2026$143M+5%35.4%
JPM JPMorgan ChaseQ3 2026$50.2B+8%40.1%
BAC Bank of AmericaQ3 2026$30.0B+3%29.9%
C CitigroupQ3 2026$23.8B+8%30.6%
WFC Wells FargoQ3 2026$21.9B+2%32.5%
COF Capital One FinancialQ3 2026$16.3B+6%28.0%
USB US BancorpQ3 2026$8.0B+9%35.1%
PNC PNC Financial Services GroupQ3 2026$6.6B+11%40.0%
TFC Truist FinancialQ3 2026$3.7B-28%23.9%

Source: First Commonwealth Financial 10-Q on SEC EDGAR · CIK 712537 · National Commercial Banks

Guidance and outlook

First Commonwealth Financial: what its forward-looking statements are about (10-Q filed 2026-11-06)First Commonwealth Financial: what its forward-looking statements are about (10-Q filed 2026-11-06)Costs1
1 statements; tone -1.00 (−1 all cautious, +1 all confident); 0 hedged.
First Commonwealth Financial: outlook statements against the filing beforeFirst Commonwealth Financial: outlook statements against the filing beforeCautious1

13F: who owns FCF and who is buying

Largest holders of FCF (13F)Largest holders of FCF (13F)BlackRock$302MVanguard Group$193MDimensional Fund Advisors LP$131MVanguard Portfolio Management LLC$128MState Street$107MVanguard Capital Management LLC$89.0MFranklin Resources$83.2MFuller & Thaler Asset Management$68.5MGeode Capital Management, LLC$53.4MMariner, LLC$41.6M
Funds' net buying of FCF by quarter (13F)Funds' net buying of FCF by quarter (13F)$7.5M2024-09−$3.4M2024-12$32.1M2025-03$50.0M2025-06−$37.7M2025-09$28.3M2025-12−$30.4M2026-03$28.2M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on FCF

History

Every quarter: Q3 2026 results

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中文版：First Commonwealth Financial（FCF）财报

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