First Commonwealth Financial Corporation (FCF)

From the record

First Commonwealth Financial Corporation's filings since 2017 show 2 warning events of 2 kinds: an auditor change (8-K item 4.01, the latest 2018-08-17); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2017-03-01) (its current reports).

From the record

First Commonwealth Financial Corporation's 10 filed years say what it did: revenue went from $218 million in fiscal 2016 to $633 million in fiscal 2025, up 12.6% a year; it rose in 7 of 9 years; the deepest fall was 10% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, First Commonwealth Financial Corporation's diluted share count grew about 3.3% a year, and dividends and buybacks returned about 48% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 207 sales (173 under scheduled 10b5-1 plans) and 3 purchases of their own stock on the open market in the year to 2026-11-06, buying about $87 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, First Commonwealth Financial Corporation earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 1.3% over the year (the filed statements).

From the record

First Commonwealth Financial Corporation's standing among 79 graded names in its industry family: revenue of $633 million in fiscal 2025 ranks in the bottom 47% by size; a net margin of 24.1% ranks in the top 41%; revenue growth of 24.2% a year over the last 3 filed years ranks in the top 15% (its annual reports).

From the record

First Commonwealth Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Price, T Michael (President & CEO, as filed), filing under that title since 2013-01-04, 13.9 years (top 16% of its family); the 22 officers and directors filing in the last fifteen months have been on the record a median of 9.5 years (top 16%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 22 people in charge now (top 39%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

First Commonwealth Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $180 million against debt of $262 million leaves -0.7% of its assets as net cash, bottom 23% of its family; cash from operations less capital spending is 27.1% of revenue (top 28%) (its annual report).

From the record

First Commonwealth Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 24.2% a year over the last three filed years against 12.6% over all 10, speeding up (top 16% of its family); the newest year grew 5.4% (top 42%); capital spending grew 12.8% a year (top 37%) (its annual reports). First Commonwealth Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

First Commonwealth Financial Corporation's newest year against its own record: revenue of $633 million in fiscal 2025 came in 21.9% below the $810 million its prior three years' pace pointed to (bottom 34% of its family); net income of $152 million against a prior three-year average of $143 million (bottom 24%); a net margin of 24.1% against 30.7% before (bottom 14%) (its annual reports).