First Commonwealth Financial Corporation (FCF) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 108.97M | 113.2M | 110.34M | 105.55M | 94.98M | 94.53M | 96.07M | 94.54M | 91.7M | 94.84M | 96.93M | 97.04M | 93.85M | 87.64M | 82.16M | 73.51M | 68.04M | 70.12M | 70.54M | 68.06M |
| NII Growth % | 14.73% | 19.76% | 14.85% | 11.64% | 3.58% | -0.33% | -0.89% | -2.58% | -2.29% | 8.22% | 17.99% | 32.01% | 37.94% | 24.98% | 16.47% | 8.01% | -1.82% | 4.12% | 6.54% | 2.24% |
| Net Interest Margin % | 0.89% | 0.92% | 0.9% | 0.86% | 0.81% | 0.82% | 0.8% | 0.81% | 0.78% | 0.83% | 0.85% | 0.86% | 0.84% | 0.89% | 0.86% | 0.77% | 0.71% | 0.73% | 0.74% | 0.72% |
| Interest Income | 157.22M | 163.93M | 161.92M | 158.23M | 146.59M | 149.44M | 153.88M | 150.23M | 144.86M | 143.36M | 139.06M | 130.49M | 114.08M | 96.28M | 85.7M | 76.73M | 71.24M | 73.53M | 74.2M | 72.05M |
| Interest Expense | 48.24M | 50.72M | 51.59M | 52.69M | 51.61M | 54.91M | 57.81M | 55.69M | 53.16M | 48.52M | 42.13M | 33.44M | 20.23M | 8.25M | 3.34M | 3.07M | 3.07M | 3.28M | 3.55M | 3.85M |
| Loan Loss Provision | 10.73M | 0 | 11.33M | 12.66M | 5.74M | 6.49M | 10.62M | 7.83M | 4.24M | -1.86M | 5.88M | 2.79M | 8M | 9.12M | 5.92M | 4.1M | 1.96M | -2.73M | 330K | 5.41M |
| Non-Interest Income | 22.07M | 24.72M | 25.64M | 25.37M | 23.04M | 25.89M | 25.14M | 25.58M | 24.59M | 25.2M | 25.65M | 25.3M | 23.47M | 24.31M | 25.91M | 24.51M | 23.98M | 26.07M | 27.25M | 26.09M |
| Non-Interest Income % | 12.31% | 13.1% | 13.67% | 13.82% | 13.58% | 14.77% | 14.04% | 14.55% | 14.51% | 14.95% | 15.57% | 16.24% | 17.06% | 20.16% | 23.22% | 24.21% | 25.18% | 26.18% | 26.86% | 26.58% |
| Total Revenue | 179.29M | 188.64M | 187.57M | 183.6M | 169.63M | 175.33M | 179.02M | 175.81M | 169.45M | 168.55M | 164.71M | 155.78M | 137.55M | 120.59M | 111.61M | 101.24M | 95.22M | 99.6M | 101.44M | 98.14M |
| Revenue Growth % | 5.69% | 7.59% | 4.77% | 4.43% | 0.11% | 4.02% | 8.69% | 12.86% | 23.19% | 39.77% | 47.57% | 53.88% | 44.46% | 21.07% | 10.03% | 3.16% | -6.11% | -0.33% | 1.08% | 1.39% |
| Non-Interest Expense | 73.08M | 74.48M | 72.83M | 76.2M | 71.25M | 69.3M | 70.07M | 65.72M | 65.57M | 65.18M | 67.41M | 65.94M | 71.38M | 58.33M | 59.9M | 55.68M | 55.72M | 55.43M | 55.03M | 51.54M |
| Efficiency Ratio | 40.76% | 39.48% | 38.83% | 41.5% | 42% | 39.53% | 39.14% | 37.38% | 38.7% | 38.67% | 40.93% | 42.33% | 51.89% | 48.37% | 53.67% | 55% | 58.52% | 55.65% | 54.25% | 52.52% |
| Operating Income | 47.23M | 63.44M | 51.82M | 42.06M | 41.04M | 44.62M | 40.53M | 46.58M | 46.48M | 56.72M | 49.28M | 53.61M | 37.94M | 44.88M | 42.45M | 38.39M | 34.46M | 43.63M | 42.53M | 37.33M |
| Operating Margin % | 26.34% | 33.63% | 27.63% | 22.91% | 24.19% | 25.45% | 22.64% | 26.49% | 27.43% | 33.65% | 29.92% | 34.42% | 27.58% | 37.22% | 38.03% | 37.92% | 36.19% | 43.8% | 41.93% | 38.04% |
| Operating Income Growth % | 15.1% | 42.17% | 27.86% | -9.69% | -11.71% | -21.33% | -17.77% | -13.13% | 22.52% | 26.37% | 16.1% | 39.65% | 10.09% | 2.88% | -0.2% | 2.85% | -30.14% | 36.84% | 79.62% | 29.25% |
| Pretax Income | 47.23M | 56.44M | 51.82M | 42.06M | 41.04M | 44.62M | 40.53M | 46.58M | 46.48M | 56.72M | 49.28M | 53.61M | 37.94M | 44.88M | 42.45M | 38.39M | 34.46M | 43.63M | 42.53M | 37.33M |
| Pretax Margin % | 26.34% | 29.92% | 27.63% | 22.91% | 24.19% | 25.45% | 22.64% | 26.49% | 27.43% | 33.65% | 29.92% | 34.42% | 27.58% | 37.22% | 38.03% | 37.92% | 36.19% | 43.8% | 41.93% | 38.04% |
| Income Tax | 9.69M | 11.56M | 10.49M | 8.66M | 8.34M | 8.77M | 8.44M | 9.49M | 8.93M | 11.89M | 10.05M | 10.83M | 7.71M | 9.15M | 8.48M | 7.64M | 6.73M | 8.85M | 8.44M | 7.71M |
| Effective Tax Rate % | 20.5% | 20.48% | 20.25% | 20.59% | 20.33% | 19.66% | 20.83% | 20.37% | 19.22% | 20.97% | 20.4% | 20.21% | 20.33% | 20.38% | 19.98% | 19.9% | 19.54% | 20.29% | 19.85% | 20.66% |
| Net Income | 37.55M | 44.88M | 41.33M | 33.4M | 32.7M | 35.85M | 32.09M | 37.09M | 37.55M | 44.83M | 39.23M | 42.78M | 30.22M | 35.73M | 33.97M | 30.75M | 27.73M | 34.78M | 34.09M | 29.62M |
| Net Margin % | 20.94% | 23.79% | 22.03% | 18.19% | 19.27% | 20.45% | 17.92% | 21.09% | 22.16% | 26.6% | 23.82% | 27.46% | 21.97% | 29.63% | 30.43% | 30.38% | 29.12% | 34.92% | 33.61% | 30.18% |
| Net Income Growth % | 14.84% | 25.18% | 28.8% | -9.94% | -12.92% | -20.03% | -18.21% | -13.31% | 24.24% | 25.45% | 15.49% | 39.11% | 9.01% | 2.75% | -0.36% | 3.83% | -30.28% | 35.4% | 77.69% | 24.18% |
| Net Income (Continuing) | 37.55M | 44.88M | 41.33M | 33.4M | 32.7M | 35.85M | 32.09M | 37.09M | 37.55M | 44.83M | 39.23M | 42.78M | 30.22M | 35.73M | 33.97M | 30.75M | 27.73M | 34.78M | 34.09M | 29.62M |
| EPS (Diluted) | 0.37 | 0.43 | 0.39 | 0.32 | 0.32 | 0.35 | 0.31 | 0.36 | 0.37 | 0.44 | 0.38 | 0.42 | 0.29 | 0.38 | 0.36 | 0.33 | 0.29 | 0.37 | 0.36 | 0.31 |
| EPS Growth % | 15.63% | 22.86% | 25.81% | -11.11% | -13.51% | -20.45% | -18.42% | -14.29% | 27.59% | 15.79% | 5.56% | 27.27% | 0% | 2.7% | 0% | 6.45% | -29.27% | 37.04% | 80% | 29.17% |
| EPS (Basic) | 0.37 | 0.43 | 0.40 | 0.32 | 0.32 | 0.35 | 0.31 | 0.36 | 0.37 | 0.44 | 0.38 | 0.42 | 0.29 | 0.38 | 0.36 | 0.33 | 0.29 | 0.37 | 0.36 | 0.31 |
| Diluted Shares Outstanding | 102.39M | 103.64M | 104.75M | 103.93M | 101.86M | 101.96M | 102.42M | 102.29M | 102.2M | 102.27M | 102.44M | 102.76M | 103.19M | 93.49M | 93.45M | 94.25M | 94.31M | 95.02M | 95.89M | 96.28M |