First Commonwealth Financial Corporation
Financial ServicesNYSE:FCF · New York Stock Exchange
+$0.31 today
Vol 0.45M · Avg 0.83M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$739.1M of revenue converted into $157.2M of net income for the selected period. Gross margin is 67.8% and net margin is 21.2%, showing how much revenue survives after costs and taxes. EPS is $1.51, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $729.4M +4.3% | $699.7M +11.7% | $626.6M +46.2% | $428.7M +7.0% | $400.6M | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $236.3M -5.8% | $250.7M +57.6% | $159.1M +309.7% | $38.8M +179.0% | $13.9M | $725.6M | $804.0M | $882.4M |
| Gross Profit | $493.1M +9.8% | $449.0M -4.0% | $467.5M +19.9% | $389.8M +0.8% | $386.7M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 67.6% +3.4pp | 64.2% -10.4pp | 74.6% -16.3pp | 90.9% -5.6pp | 96.5% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $94.6M -41.2% | $160.8M +3.8% | $154.8M +15.6% | $133.9M +5.4% | $127.0M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $294.8M +8.9% | $270.7M +0.3% | $269.9M +17.5% | $229.6M +7.4% | $213.9M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $6.3M +11.1% | $5.7M +38.6% | $4.1M -61.1% | $10.6M -7.8% | $11.4M | $374.2M | $1.2B | $631.8M |
| EBITDA | $204.7M +11.2% | $184.0M -8.8% | $201.7M +18.1% | $170.7M -7.3% | $184.3M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 28.1% +1.8pp | 26.3% -5.9pp | 32.2% -7.6pp | 39.8% -6.2pp | 46.0% | 5.6% | 46.3% | 42.0% |
| Operating Income | $198.4M +11.3% | $178.2M -9.8% | $197.6M +23.3% | $160.2M -7.3% | $172.8M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 27.2% +1.7pp | 25.5% -6.1pp | 31.5% -5.8pp | 37.4% -5.8pp | 43.1% | 16.6% | 24.1% | 22.0% |
| Interest Income | $630.7M +5.4% | $598.4M +13.6% | $527.0M +60.1% | $329.1M +12.2% | $293.3M | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $206.6M -6.8% | $221.6M +53.5% | $144.3M +713.9% | $17.7M +15.9% | $15.3M | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | -$7.0M | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $191.4M +7.4% | $178.2M -9.8% | $197.6M +23.3% | $160.2M -7.3% | $172.8M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 26.2% +0.8pp | 25.5% -6.1pp | 31.5% -5.8pp | 37.4% -5.8pp | 43.1% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $39.1M +9.6% | $35.6M -12.0% | $40.5M +26.5% | $32.0M -7.4% | $34.6M | $1.3B | -$1.6B | $745.2M |
| Net Income | $152.3M +6.8% | $142.6M -9.2% | $157.1M +22.5% | $128.2M -7.3% | $138.3M | $4.9B | $4.8B | $4.7B |
| Net Margin | 20.9% +0.5pp | 20.4% -4.7pp | 25.1% -4.8pp | 29.9% -4.6pp | 34.5% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $1 +5.7% | $1 -9.7% | $2 +13.1% | $1 -6.8% | $1 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $1 +5.8% | $1 -9.7% | $2 +12.4% | $1 -4.9% | $1 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $102.8M +0.9% | $101.9M +0.4% | $101.6M +8.5% | $93.6M -0.7% | $94.2M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $103.6M +1.4% | $102.2M +0.4% | $101.8M +8.5% | $93.9M -2.0% | $95.8M | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
First Merchants Corporation
NASDAQ:FRME
$2.65B
Nicolet Bankshares, Inc.
NYSE:NIC
$2.34B
Banco Latinoamericano de Comercio Exterior, S. A.
NYSE:BLX
$2.25B
Northwest Bancshares, Inc.
NASDAQ:NWBI
$2.16B
Stellar Bancorp, Inc.
NYSE:STEL
$1.98B
1st Source Corporation
NASDAQ:SRCE
$1.89B
City Holding Company
NASDAQ:CHCO
$1.85B
S&T Bancorp, Inc.
NASDAQ:STBA
$1.72B
Lakeland Financial Corporation
NASDAQ:LKFN
$1.54B
Coastal Financial Corporation
NASDAQ:CCB
$1.12B
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does FCF generate?
First Commonwealth Financial Corporation (FCF) reported $729.44M of revenue in fiscal 2025.
Is FCF profitable?
First Commonwealth Financial Corporation (FCF) reported $152.30M of net income, with a net margin of 20.9%.
Explore More
Continue the stock analysis
Jump to another research area for this company.