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.
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
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $152.3M | $1.47 | $171.5M |
| 2024 | n/a | $142.6M | $1.39 | $113.9M |
| 2023 | n/a | $157.1M | $1.54 | $128.7M |
| 2022 | n/a | $128.2M | $1.37 | $140.2M |
| 2021 | n/a | $138.3M | $1.44 | $154.4M |
| 2020 | n/a | $73.4M | $0.75 | $98.1M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
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 year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.54 | $55.5M | 36% |
| 2024 | $0.52 | $52.6M | 37% |
| 2023 | $0.50 | $50.8M | 32% |
| 2022 | $0.48 | $44.6M | 35% |
| 2021 | $0.46 | $43.6M | 32% |
| 2020 | $0.44 | $43M | 59% |
Latest SEC filings
What First Commonwealth Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026
- October 28, 2026
- September 17, 2026Executive or director change8-KFirst Commonwealth Financial Corporation appointed Phillip J. Graves Jr. as Chief Accounting Officer.
- August 21, 2026Form N-PX filing N-PX
- August 12, 2026Form 13F-HR filing 13F-HR
- August 10, 2026
- August 7, 2026Passive stake (5% or more) SCHEDULE 13G
- July 31, 2026
- July 28, 2026
- May 14, 2026Form 13F-HR filing 13F-HR
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.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 5, 2026 | Reske James REVP/Chief Financial Officer | Soldpre-planned (10b5-1) | 100 | $2.2K |
| November 5, 2026 | Reske James REVP/Chief Financial Officer | Soldpre-planned (10b5-1) | 100 | $2.2K |
| November 5, 2026 | Reske James REVP/Chief Financial Officer | Soldpre-planned (10b5-1) | 150 | $3.3K |
| November 5, 2026 | Reske James REVP/Chief Financial Officer | Soldpre-planned (10b5-1) | 140 | $3.1K |
| November 5, 2026 | Reske James REVP/Chief Financial Officer | Soldpre-planned (10b5-1) | 100 | $2.2K |
| November 5, 2026 | Reske James REVP/Chief Financial Officer | Soldpre-planned (10b5-1) | 100 | $2.2K |
| November 5, 2026 | Reske James REVP/Chief Financial Officer | Soldpre-planned (10b5-1) | 100 | $2.2K |
| November 5, 2026 | Reske James REVP/Chief Financial Officer | Soldpre-planned (10b5-1) | 100 | $2.2K |
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
| Holder | Of class | Filed |
|---|---|---|
| Vanguard Portfolio Management13G, passive | 6.14% | April 29, 2026 |
| Vanguard Capital Management13G, passive | 5.07% | April 29, 2026 |
Largest institutional holders
Insiders
15 insiders reported holding 1,365,068 shares in total, about $28.8M at the last price.
| Holder | Shares |
|---|---|
| Price T MichaelPresident & CEO, Director | 392,047 |
| Charley Ray TDirector | 337,687 |
| Grebenc JaneDirector | 143,975 |
| Tomb Matthew CEVP/Chief Risk Officer | 86,284 |
| Reske James REVP/Chief Financial Officer | 68,738 |
| Riggle Carrie LEVP/Human Resources | 63,161 |
| Gorney Jon LDirector | 50,723 |
| Montgomery Norman JEVP/Business Integration | 50,104 |
| McCuen Michael PEVP/Chief Banking Officer | 44,964 |
| Lyon Lee E IIEVP / Chief Audit Executive | 32,739 |
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.