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Companies / Financials / First Commonwealth Financial Corporation
FCF

First Commonwealth Financial Corporation

FinancialsCommercial Banks
Ticker FCFINDIANA, PAFiscal year ends DecemberBook value per share $14.65Diluted shares 101.3M

First Commonwealth Financial Corporation (NYSE: FCF) is a financial holding company whose subsidiaries provide consumer and commercial banking, trust and wealth management, and insurance products. Its banking subsidiary, First Commonwealth Bank, serves individuals, businesses and other customers with loans, deposit… From the company’s description.

Over the twelve months to Sep 30, 2026, First Commonwealth Financial Corporation reported revenue of $553.96M, up 9.6% from a year earlier, and net income of $171.96M. Its pre-tax margin was 38.0%. In fiscal 2025, it reported revenue of $522.91M, up 9.4% from fiscal 2024, and net income of $152.30M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$522.91MFY2025
+9.4% year over year
Last 12 mo $553.96M
36.59%FY2025
−0.7 percentage points
Last 12 mo 38.02%
$152.30MFY2025
+6.8% year over year
Last 12 mo $171.96M
9.83%FY2025
−0.3 percentage points
Last 12 mo 11.59%
Cash & financing
$187.54MFY2025
+44.9% year over year
Last 12 mo $158.23M
$171.45MFY2025
+50.5% year over year
Last 12 mo $158.23M
6.86FY2025
Was 7.13× a year earlier
Last 12 mo 7.12
103.5MFY2025
+1.3% year over year
Last 12 mo 101.3M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What First Commonwealth Financial Corporation does

In the company’s own words

First Commonwealth Financial Corporation (NYSE: FCF) is a financial holding company whose subsidiaries provide consumer and commercial banking, trust and wealth management, and insurance products. Its banking subsidiary, First Commonwealth Bank, serves individuals, businesses and other customers with loans, deposit accounts and related financial services, including commercial lending, residential mortgages and consumer credit. The company also offers insurance through First Commonwealth Insurance Agency and operates FRAMAL. At December 31, 2025, First Commonwealth had $12.3 billion in total assets and $9.8 billion in loans. The bank operated 126 community banking offices across 30 counties in western and central Pennsylvania and Ohio, alongside commercial lending centers in Pennsylvania and Ohio. First Commonwealth employed 1,522 full-time and 55 part-time employees at year-end 2025. Its banking footprint has expanded through acquisitions, including the 2023 acquisition of Centric Financial Corporation and the 2025 acquisition of CenterGroup Financial, both adding banking operations in the company’s Pennsylvania or Ohio markets.

Company details
Sector
Financials
Industry (SIC)
Commercial Banks
Headquarters
INDIANA, PA
Fiscal year end
December
CIK
712537
SIC
6021

Financial performance, year by year

Fiscal 2011–2025 · USD
$-55.40M$110.79M$276.98M$443.17M$609.36M201120122013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns First Commonwealth Financial Corporation — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

243
funds hold it
0 of 35
superinvestors hold it
$925.13M
held by funds, at market
48.5%
of shares held by funds

Largest fund holders · First Commonwealth Financial Corporation’s weight in each

iShares Core S&P Small-Cap ETF
IJR · iShares Trust
0.11%of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.07%of fund net assets
VANGUARD SMALL-CAP INDEX FUND
VB · VANGUARD INDEX FUNDS
0.02%of fund net assets
Franklin Small Cap Value Fund
FRVLX · Franklin Value Investors Trust
—of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do First Commonwealth Financial Corporation and its peers compare on margins and cash generation over ten years?”
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