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First Commonwealth Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$16.0M in Q3 2026 · $158M over twelve months

Operating cash flow$16.0M
Free cash flow+$16.0M
Cash / net income0.4×

Analysis

In Q3 2026, First Commonwealth Financial generated $16.0M of operating cash flow. That is $33.5M less than in Q3 2025 ($49.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $158M; the largest uses were buybacks ($148M), other financing ($93.6M), dividends ($56.2M); besides operations, cash came from other investing ($89.4M), net borrowing (+) / repaid (−) ($17.5M); the cash balance fell by $33.4M.

Operating cash flow was $16.0M against net income of $44.9M — 0.4× profit, less cash than reported earnings, worth checking against working capital. The largest differences: income taxes payable +$8.2M, deferred taxes −$2.8M, gains on disposals −$2.3M.

Free cash flow

First Commonwealth Financial: free cash flow by quarterFirst Commonwealth Financial: free cash flow by quarter$13.5MQ4 2024$55.9MQ1 2025$30.4MQ2 2025$49.5MQ3 2025$51.8MQ4 2025$86.8MQ1 2026$3.6MQ2 2026$16.0MQ3 2026
Operating cash flow less capital spending.
First Commonwealth Financial: operating cash flow against capital spendingFirst Commonwealth Financial: operating cash flow against capital spendingOperating cash flowCapital spending$13.5M$0Q4 2024$55.9M$0Q1 2025$30.4M$0Q2 2025$49.5M$0Q3 2025$51.8M$0Q4 2025$86.8M$0Q1 2026$3.6M$0Q2 2026$16.0M$0Q3 2026
Latest (Q3 2026): Operating cash flow $16.0M, Capital spending $0.

Capital allocation, year by year

First Commonwealth Financial: where the cash came from (up) and went (down), by fiscal yearFirst Commonwealth Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $165MFY2021: Net borrowing $20.5MFY2021: Shares issued $222KFY2021: Capital spending −$10.6MFY2021: Buybacks −$31.3MFY2021: Dividends −$43.6M$186MFY2021FY2022: Operating cash flow $151MFY2022: Net borrowing $234MFY2022: Shares issued $245KFY2022: Capital spending −$11.2MFY2022: Buybacks −$15.6MFY2022: Dividends −$44.6M$386MFY2022FY2023: Operating cash flow $151MFY2023: Net borrowing $51.9MFY2023: Shares issued $245KFY2023: Capital spending −$22.0MFY2023: Acquisitions $14.5MFY2023: Buybacks −$15.0MFY2023: Dividends −$50.8M$217MFY2023FY2024: Operating cash flow $129MFY2024: Net borrowing −$391MFY2024: Shares issued $204KFY2024: Capital spending −$15.5MFY2024: Buybacks −$12.6MFY2024: Dividends −$52.6M$130MFY2024FY2025: Operating cash flow $188MFY2025: Net borrowing $64.7MFY2025: Shares issued $245KFY2025: Capital spending −$16.1MFY2025: Acquisitions $4.7MFY2025: Buybacks −$35.8MFY2025: Dividends −$55.5M$257MFY2025
Over these 5 years operating cash flow totalled $784M; the largest uses were net borrowing ($391M) and dividends ($247M). Cash-flow statements as filed.

Where the cash came from and went

First Commonwealth Financial: sources (+) and uses (−) of cash, Q3 2026First Commonwealth Financial: sources (+) and uses (−) of cash, Q3 2026Buybacks−$88.3MCash drawn (+) / kept (−)$51.6MNet borrowing (+) / repaid (−)$29.6MOperating cash flow$16.0MDividends−$14.1MOther financing$13.9MOther investing−$8.7M
First Commonwealth Financial: sources (+) and uses (−) of cash, TTM to Q3 2026First Commonwealth Financial: sources (+) and uses (−) of cash, 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 profit to cash

First Commonwealth Financial: net income to operating cash flow, Q3 2026First Commonwealth Financial: net income to operating cash flow, Q3 2026Net income$44.9MDepreciation & amortization$2.0MDeferred taxes−$2.8MGains on disposals−$2.3MIncome taxes payable$8.2MOther operating capital$2.1MOperating cash flow$16.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$16.0M−$88.3M−$14.1M$29.6M—$51.6M$16.0M
Q2 2026$3.6M−$12.1M−$14.2M$115M—$163M$3.6M
Q1 2026$86.8M−$24.8M−$13.8M−$125M—−$163M$86.8M
Q4 2025$51.8M−$22.8M−$14.0M−$1.7M$8K−$19.0M$51.8M
Q3 2025$49.5M−$10.6M−$14.1M−$76.5M—−$1.2M$49.5M
Q2 2025$30.4M−$508K−$14.2M$146M—−$18.8M$30.4M
Q1 2025$55.9M−$1.8M−$13.2M−$2.8M—−$7.9M$55.9M
Q4 2024$13.5M−$8.1M−$13.2M−$459M—$449M$13.5M

First Commonwealth Financial: income statement and cash flow

First Commonwealth Financial, Q3 2026: revenue $143M (+5% year over year), operating margin 35.4%. The chart follows the revenue to costs, profit and cash.

First Commonwealth Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.