Filing Flows › First Commonwealth Financial (FCF) › Q3 2026
First Commonwealth Financial (FCF) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
First Commonwealth Financial (FCF) reported revenue of $143M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +3% from the quarter before. Operating margin was 35.4%, net earnings $44.9M (31.4% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $143M | +3% | +5% |
| Operating profit | $50.7M | -10% | -2% |
| Net earnings | $44.9M | +0.8% | +9% |
| Operating cash flow | $16.0M | +340% | -68% |
What changed
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.
Questions
What was First Commonwealth Financial's revenue in the third quarter 2026?
First Commonwealth Financial (FCF) reported revenue of $143M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +3% from the quarter before.
Was First Commonwealth Financial profitable in the third quarter 2026?
Operating profit was $50.7M (35.4% of revenue) and net earnings $44.9M.