First Commonwealth Financial (FCF) Q4 FY2025 earnings: revenue $138 million, up 14.5% on the year

First Commonwealth Financial Corp. (FCF) reported revenue of $138 million for Q4 FY2025, the quarter ended 31 December 2025, up 14.5% on the same quarter a year earlier. Net income was $45 million, up 25.2% on the year, and diluted earnings per share $0.43. The figures are the company's own, from the 10-K it filed with the SEC on 2 March 2026.

Revenue$138 millionup 14.5%

Net income$45 millionup 25.2%

Diluted EPS$0.43

QuarterQ4 FY2025ended 31 December 2025

The quarter, against the one before and a year earlier

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Revenue	138	136	120	+14.5%
Interest expense	50.7	51.6	54.9	-7.6%
Pre-tax income	56.4	51.8	44.6	+26.5%
Income tax	11.6	10.5	8.8	+31.8%
Effective tax rate	20.5%	20.2%	19.7%
Net income	44.9	41.3	35.8	+25.2%
Net margin	32.5%	30.4%	29.8%
Diluted EPS	$0.43	$0.39	$0.35	+22.9%

$ million except per share.

Fourth quarters are the year less the first three quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow and capital returned

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Operating cash flow	51.8	49.5	13.5	+282.9%
Cash from investing	-13.7	-73.6	-41.5	n/a
Cash from financing	-19.1	25.4	-421	n/a
Depreciation and amortisation	1.8	1.9	2.1	-12.5%
Buybacks	22.8	10.6	8.1	+182.9%
Dividends paid	14.0	14.1	13.2	+5.8%
Dividend per share	n/a	$0.14	n/a	n/a
Diluted shares, weighted	104m	105m	102m	+1.3%
Shares outstanding at period end	103m	104m	102m	+1.1%

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet at quarter end

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Shareholders' equity	1,554	1,542	1,405	+10.6%
Deposits	10,251	10,231	9,678	+5.9%
Short-term borrowings	148	150	80.1	+84.6%
Debt	262	262	263	-0.5%
Other liabilities	128	126	159	-19.3%
Total liabilities and equity	12,343	12,310	11,585	+6.5%
Fixed assets	114	117	116	-1.6%
Goodwill	378	378	364	+4.0%
Intangible assets	22.0	22.6	19.6	+12.1%
Securities held for sale or to maturity	1,534	1,539	1,553	-1.3%
Cash and equivalents	180	161	133	+35.2%
Other assets	10,115	10,093	9,399	+7.6%
Total assets	12,343	12,310	11,585	+6.5%

Questions

What was First Commonwealth Financial's revenue in Q4 FY2025?

First Commonwealth Financial (FCF) reported revenue of $138 million for Q4 FY2025, the quarter ended 31 December 2025, up 14.5% on the same quarter a year earlier.

How much did First Commonwealth Financial earn in Q4 FY2025?

Net income for Q4 FY2025 was $45 million, up 25.2% on the year, and diluted earnings per share $0.43.

When did First Commonwealth Financial report Q4 FY2025 results?

First Commonwealth Financial filed its 10-K for the year that ended with the quarter on 2 March 2026; the fourth quarter is the year less the first three.

Quarterly results, the last 12 quarters

	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	123	120	116	120	121	120	118	131	136	138	134	139
Interest expense	42.1	48.5	53.2	55.7	57.8	54.9	51.6	52.7	51.6	50.7	48.2	46.9
Pre-tax income	49.3	56.7	46.5	46.6	40.5	44.6	41.0	42.1	51.8	56.4	47.2	56.3
Tax rate	20%	21%	19%	20%	21%	20%	20%	21%	20%	20%	21%	21%
Net income	39.2	44.8	37.5	37.1	32.1	35.8	32.7	33.4	41.3	44.9	37.5	44.6
Net margin	32%	37%	32%	31%	26%	30%	28%	25%	30%	33%	28%	32%
Diluted EPS	$0.38	$0.44	$0.37	$0.36	$0.31	$0.35	$0.32	$0.32	$0.39	$0.43	$0.37	$0.44
Operating cash flow	20.4	44.0	39.6	22.7	53.6	13.5	55.9	30.4	49.5	51.8	86.8	3.6
Buybacks	3.2	0.9	1.8	0.3	2.5	8.1	1.8	0.5	10.6	22.8	24.8	12.1
Dividends paid	12.8	12.8	12.8	13.3	13.3	13.2	13.2	14.2	14.1	14.0	13.8	14.2
Shares outstanding	102m	102m	102m	102m	102m	102m	102m	105m	104m	103m	102m	101m
Filing	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS and diluted share count are from the company's results press release for that quarter, used where the release gives the same revenue and net income as the table. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Source

10-K for the period ended 31 December 2025, filed 2 March 2026, accession 0000712537-26-000013: the filing on EDGAR. All of First Commonwealth Financial Corp.'s filings: EDGAR company page.

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