Filing Flows › First Commonwealth Financial (FCF) › Q3 2026 › vs Q3 2025
First Commonwealth Financial (FCF) Q3 2026 vs Q3 2025 (year over year)
First Commonwealth Financial's revenue rose $7.1M (+5%) from $136M in Q3 2025 to $143M in Q3 2026. The biggest changes: Net interest income +$5.2M (+5%); Noninterest income +$1.9M (+8%). Operating margin 35.4% against 38.1% (-2.7 pts).
First Commonwealth Financial, Q3 2026: revenue $143M (+5% year over year), operating margin 35.4%, net earnings $44.9M, operating cash flow $16.0M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 35.4% | 38.1% | -2.7 pts |
| Net margin | 31.4% | 30.4% | +1.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $116M | $111M | $5.2M | +5% |
| Noninterest income | $26.7M | $24.9M | $1.9M | +8% |
| Revenue | $143M | $136M | $7.1M | +5% |
| Operating profit | $50.7M | $51.8M | −$1.1M | -2% |
| Costs & expenses | $92.4M | $84.2M | $8.2M | +10% |
| Pre-tax earnings | $50.7M | $51.8M | −$1.1M | -2% |
| Credit loss provision | $14.2M | $11.3M | $2.9M | +25% |
| Noninterest expense | $78.2M | $72.8M | $5.3M | +7% |
| Net earnings | $44.9M | $41.3M | $3.6M | +9% |
| Income tax | $5.7M | $10.5M | −$4.8M | -45% |
| Depreciation & amortization | $2.0M | $1.9M | $149K | +8% |
| Working capital & other | $31.0M | −$6.3M | $37.2M | — |
| Operating cash flow | $16.0M | $49.5M | −$33.5M | -68% |
Questions
How much did First Commonwealth Financial's revenue grow year over year in Q3 2026?
First Commonwealth Financial's revenue rose $7.1M (+5%) from $136M in Q3 2025 to $143M in Q3 2026.
What drove First Commonwealth Financial's revenue change in Q3 2026?
Net interest income +$5.2M (+5%); Noninterest income +$1.9M (+8%).