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First Commonwealth Financial Corp (FCF)

Operating cash flow minus capital spending left $171.5M of free cash flow in fiscal 2025. At September 30, 2026 it held $128M in cash against $121.7M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.

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Price
$21.12
+1.00% on the day · November 9, 2026
52-week range $15.30 to $22.34
Market cap
$2.1B
P/E
14.4
on FY2025 diluted EPS

Key facts about First Commonwealth Financial Corp

Net worth
First Commonwealth Financial Corp has a market value (market cap) of $2.1B at the latest share price, and shareholders' equity of $1.5B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Cash flow
In fiscal 2025 operations brought in $187.5M of cash; after $16.1M of capital spending, free cash flow was $171.5M.
Latest report
The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
Next earnings report
First Commonwealth Financial Corp's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Dividend
First Commonwealth Financial Corp declared dividends of $0.54 per share in fiscal 2025, a yield of 2.53% at the current price.

What First Commonwealth Financial Corp does

First Commonwealth Financial Corp is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NYSE under the ticker FCF.

Revenue and profit by year

Net income
FY18: $107.5M $107.5M FY18FY19: $105.3M $105.3M FY19FY20: $73.4M $73.4M FY20FY21: $138.3M $138.3M FY21FY22: $128.2M $128.2M FY22FY23: $157.1M $157.1M FY23FY24: $142.6M $142.6M FY24FY25: $152.3M $152.3M FY25

Fiscal years as reported in annual reports. Amounts in USD.

Key figures

Fiscal yearRevenueOperating incomeNet incomeDiluted EPSFree cash flow
2025n/an/a$152.3M$1.47$171.5M
2024n/an/a$142.6M$1.39$113.9M
2023n/an/a$157.1M$1.54$128.7M
2022n/an/a$128.2M$1.37$140.2M
2021n/an/a$138.3M$1.44$154.4M
2020n/an/a$73.4M$0.75$98.1M

Earnings: every quarter and the next report date

Full financial statements: income, balance sheet and cash flow

Next report expected around January 27, 2027.

Estimated from its filing rhythm: 52 weeks after its report of January 28, 2026. Not a date the company has announced. See the report calendar · Earnings, quarter by quarter

Dividends

First Commonwealth Financial Corp declared $0.54 per share in fiscal 2025. At the current price that is a yield of 2.53%. It paid out $55.5M in cash dividends, 36% of its net income.

Fiscal yearPer sharePaid outOf profit
2025$0.54$55.5M36%
2024$0.52$52.6M37%
2023$0.50$50.8M32%
2022$0.48$44.6M35%
2021$0.46$43.6M32%
2020$0.44$43M59%

Per share as declared (or paid, where only that is reported), adjusted for stock splits the company itself restated. Yield is the latest fiscal year's dividend over the current price.

Latest SEC filings

What First Commonwealth Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.

  1. November 6, 2026
    Quarterly report 10-Q · period to September 30, 2026Diluted EPS $0.45 versus $0.39.
  2. October 28, 2026
  3. September 17, 2026
    Executive or director change8-KFirst Commonwealth Financial Corporation appointed Phillip J. Graves Jr. as Chief Accounting Officer.
  4. August 21, 2026
  5. August 12, 2026
  6. August 10, 2026
    Quarterly report 10-Q · period to June 30, 2026Diluted EPS $0.44 versus $0.32.
  7. August 7, 2026
  8. July 31, 2026
  9. July 28, 2026
  10. May 14, 2026

Recent insider filings (Forms 3, 4 and 144): 10, the latest on November 6, 2026. Insider transactions on SEC

Insider trades

What the people running First Commonwealth Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.

Insiders sold $135.8K worth of shares in the last 90 days and bought none on the open market. All of the selling was pre-planned under Rule 10b5-1 trading plans.

Bought (open market)
$0
last 90 days
Sold
$135.8K
last 90 days
Net sold
6,394
$135.8K
DateInsiderWhatSharesPriceValueFiling
November 5, 2026 Reske James REVP/Chief Financial Officer Soldpre-planned (10b5-1) 100 $21.78 $2.2K Form 4
November 5, 2026 Reske James REVP/Chief Financial Officer Soldpre-planned (10b5-1) 100 $21.79 $2.2K Form 4
November 5, 2026 Reske James REVP/Chief Financial Officer Soldpre-planned (10b5-1) 150 $21.83 $3.3K Form 4
November 5, 2026 Reske James REVP/Chief Financial Officer Soldpre-planned (10b5-1) 140 $21.84 $3.1K Form 4
November 5, 2026 Reske James REVP/Chief Financial Officer Soldpre-planned (10b5-1) 100 $21.85 $2.2K Form 4
November 5, 2026 Reske James REVP/Chief Financial Officer Soldpre-planned (10b5-1) 100 $21.86 $2.2K Form 4
November 5, 2026 Reske James REVP/Chief Financial Officer Soldpre-planned (10b5-1) 100 $21.86 $2.2K Form 4
November 5, 2026 Reske James REVP/Chief Financial Officer Soldpre-planned (10b5-1) 100 $21.87 $2.2K Form 4

All insider filings on SEC.gov · Where insiders are buying across the market

Who owns FCF

Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.

5% holders

Anyone who owns more than 5% of a class of shares must say so on Schedule 13D (if they may seek to influence the company) or 13G (a passive holder). The latest filing of each holder is shown: 13G filings of the last 2 years, 13D of the last 3.

HolderOf classSharesFiled
Vanguard Portfolio Management13G, passive 6.14% 6,278,887 April 29, 2026
Vanguard Capital Management13G, passive 5.07% 5,182,686 April 29, 2026

Latest filings below 5%: The Vanguard Group 0% (March 26, 2026).

Largest institutional holders

No Form 13F positions imported for this company yet.

Insiders

Reported holdings of insiders who filed a Form 4 in the last 12 months: the shares each one held after their latest reported transaction. This is not the total held by all insiders.

15 insiders reported holding 1,365,068 shares in total, about $28.8M at the last price.

HolderSharesAs of
Price T MichaelPresident & CEO, Director 392,047 January 27, 2026
Charley Ray TDirector 337,687 May 1, 2026
Grebenc JaneDirector 143,975 August 6, 2026
Tomb Matthew CEVP/Chief Risk Officer 86,284 January 27, 2026
Reske James REVP/Chief Financial Officer 68,738 November 5, 2026
Riggle Carrie LEVP/Human Resources 63,161 January 27, 2026
Gorney Jon LDirector 50,723 May 1, 2026
Montgomery Norman JEVP/Business Integration 50,104 May 1, 2026
McCuen Michael PEVP/Chief Banking Officer 44,964 September 11, 2026
Lyon Lee E IIEVP / Chief Audit Executive 32,739 August 10, 2026

Schedule 13D/13G filings on SEC.gov

All filings on SEC EDGAR

Questions about FCF

What does First Commonwealth Financial Corp do?

First Commonwealth Financial Corp is a company in the Finance sector, listed on NYSE as FCF. Its shares trade on NYSE under the ticker FCF.

What is First Commonwealth Financial Corp's net worth?

First Commonwealth Financial Corp has a market value (market cap) of $2.1B at the latest share price, and shareholders' equity of $1.5B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.

Is First Commonwealth Financial Corp profitable?

Yes. Over the twelve months to September 30, 2026 it reported net income of $172M.

When did First Commonwealth Financial Corp last report?

Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026.

When is First Commonwealth Financial Corp's next earnings report?

First Commonwealth Financial Corp's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.

Does First Commonwealth Financial Corp pay a dividend?

Yes. First Commonwealth Financial Corp declared dividends of $0.54 per share in fiscal 2025, a yield of 2.53% at the current price.

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Where the numbers come from

Financial figures are the values First Commonwealth Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.

Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.