Inferra AI / Company / FCF
First Commonwealth Financial Corp /Pa/
FCF · Financials
Last earnings Oct 28, 2026
Key results
GAAP net incomequarter
$41.3 million
Third Quarter 2025 Highlights Financial results GAAP net income of $41.3 million and diluted earnings per share of $0.39 represented an increase of $7.9 million from the prior quarter and an increase of $9.2 million, or $0.08 per share, from the third quarter of 2024.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
Core net incomequarter
$41.2 million
Core net income of $41.2 million and core earnings per share of $0.39 represented an increase of $1.7 million, or $0.01 per share, from the prior quarter and an increase of $9.2 million, or $0.08 per share, from the third quarter of 2024.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
EPSquarter
$0.39
Core net income of $41.2 million and core earnings per share of $0.39 represented an increase of $1.7 million, or $0.01 per share, from the prior quarter and an increase of $9.2 million, or $0.08 per share, from the third quarter of 2024.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
Revenuequarter
$62.9 million
Core pre-tax pre-provision net revenue (PPNR) (1) totaled $62.9 million, an increase of $4.3 million from the previous quarter and an increase of $12.0 million from the third quarter of 2024.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
Earnings GAAP net incomequarter
$41.3 million
Earnings GAAP net income for the third quarter of 2025 was $41.3 million, or $0.39 per share, compared to $33.4 million, or $0.32 per share in the second quarter of 2025, and $32.1 million, or $0.31 per share for the third quarter of 2024.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
Core net income for the third quarter of 2025 was $41.2 million, or $0.39 per share, compared to $39.5 million, or $0.38 per share in the second quarter of 2025, and $31.9 million, or $0.31 per share for the third quarter of 2024.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
AI analysis
Q3 2025 · reported Oct 28, 2025
Based on: Earnings release + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| GAAP net income | $41.3 million | — | — |
| Core net income | $41.2 million | — | — |
| EPS | $0.39 | — | — |
| Revenue | $62.9 million | — | — |
| Earnings GAAP net income | $41.3 million | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
htm EX-99.1 PRESS RELEASE Document Exhibit 99.1 FOR IMMEDIATE RELEASE First Commonwealth Announces Third Quarter 2025 Earnings Declares Quarterly Dividend Indiana, PA, October 28, 2025 - First Commonwealth Financial Corporation (NYSE FCF) today announced financial results for the third quarter of 2025.
Event summary
A full reconciliation of non-GAAP financial measures may be found at the end of the financial statements which accompany this release
Based on: Earnings release + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
htm EX-99.1 PRESS RELEASE Document Exhibit 99.1 FOR IMMEDIATE RELEASE First Commonwealth Announces Third Quarter 2025 Earnings Declares Quarterly Dividend Indiana, PA, October 28, 2025 - First Commonwealth Financial Corporation (NYSE FCF) today announced financial results for the third quarter of 2025.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
Total shareholder s equity increased $24.1 million from the previous quarter due to a $17.2 million increase in retained earnings (net of $10.5 million share repurchases) and a $6.9 million improvement in accumulated other comprehensive income (AOCI).
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
Dividends and Capital First Commonwealth Financial Corporation declared a common stock quarterly dividend of $0.135 per share, which represents a 3.9% increase from the third quarter of 2024.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
The cash dividend is payable on November 21, 2025 to shareholders of record as of November 7, 2025.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
This dividend represents a 3.3% projected annual yield utilizing the October 27, 2025 closing market price of $16.31.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
Strategy & priorities
The increase from the previous quarter was primarily due to a 9 basis point expansion in the net interest margin and a $133.8 million increase in interest earning assets.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
These statements, which are based on certain assumptions and describe our future plans, strategies and expectations, can generally be identified by the use of words such as may, will, should, could, would, plan, believe, expect, anticipate, intend, estimate or words of similar meaning.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
Risks & headwinds
In light of these risks, uncertainties and assumptions, you should not place undue reliance on any forward-looking statements in this release.
SEC original ↗First Commonwealth Financial Corp /Pa/ — Earnings release (8-K exhibit)EX-99Oct 28, 2025
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
39 documents- Q3 2026
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Earnings releases
44 documents- Q3 2026
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Presentations
0 documentsNo presentations for First Commonwealth Financial Corp /Pa/ are held in this edition of the library.
Transcripts
0 documentsNo transcripts for First Commonwealth Financial Corp /Pa/ are held in this edition of the library.
Mentioned by
194 companiesOther tracked companies whose held documents mention First Commonwealth Financial Corp /Pa/ by name or ticker. A mention is counted once per document, from the document text the library holds.
“margin at 20.9% · Basic EPS at $0.23; increase of 15.7% YoY and 25.3% QoQ · FCF at $833 million 3 ; FCF conversion at… …proposed a final dividend of 25 per share, which along with interim dividend and recently concluded buyback, amounts”
“r sales and marketing organization;… …N V E S T O R D A Y 138 Continue to generate strong FCF Manage dilution by leveraging FCF for share buybacks Pursue disciplined acquisitions that accelerate our product roadmap or open adjacencies Capital allocat”
Canadian Pacific Kansas City (CP)
“ is January 1, 2025 to December 31, 2027 and the performance factors are Free Cash Flow ("FCF") and Total Shareholder Return ("TSR"), compared to the S&P/TSX 60 Index, TSR compared to the… …trade policies and the heightened risk of economic recession”
“Principles) financial measures in this news release, including EBITDA and Free Cash Flow (FCF). Generally, a non-GAAP financial measure is a numerical measure of a company’s performance or… …2024 2025 2026 Commercial Construction Starts Institutional”
“te equivalent to 2% per quarter. Free Cash Flow Management believes that Free Cash Flow ("FCF") is supplemental information useful to investors as … …update or revise any forward-looking statement. If the company updates any forward-looking statement”
Arlo Technologies, Inc. (ARLO)
“$ 0.03 $ 0.13 $ 0.03 $ 0.16 $ 0.02 Weighted-average … …end of the reporting period. (3) FCF is calculated as net cash provided by operating activities less capital expenditures. FCF margin is the FCF divided by revenue. The third quarter and full y”
“, non-GAAP operating income, non-GAAP operating expenses, AI server revenue and… …to adj. FCF conversion $5.6 $5.2 FY21 80%+ FY22 ~$5.6B Avg $3.1 $1.5 FY23 FY24 FY25 FY26 Share Repurchase and Shares Outstanding 757 Target return of adj. ”
“siness needs while (2) * retaining the capacity to fund Operating Cash Net capex Reported FCF Available future strategic growth $520 Flow (2) credit facility as of 6/30 (3) $650 Baa1… … non-GAAP earnings per share. Free cash flow equals cash generate”
“ics included on this slide. Non-GAAP Gross Margin, Non-GAAP Operating Margin and Non-GAAP FCF Margin are Non-GAAP financial metrics. See appendix for… …Share $0.29 - $0.30 $1.11 - $1.15 Weighted average shares of common stock outstanding 60.7M 60.6M ”
“and net leverage calculated using … …EBITDA divided by tons sold/handled. Free Cash Flow (FCF) represents operating cash flow adjusted for capital expenditures and debt issuance costs. Management believes FCF is an important measure of liquidity. FCF”
“…generating cash flow from operations of $1.2 billion and $0.4 billion in free cash flow (FCF) after capital expenditures. Our balance sheet remains healthy, as we ended the quarter with a Net Debt-to-Adjusted EBITDA ratio… …generating cash flow from”
Hewlett Packard Enterprise (HPE)
“: $1.2 billion, an increase of $1.6 billion from the prior-year period • Free cash flow (“FCF”) (1)(2) : $0.7 billion, an increase of $1.6 billion from the prior-year period • Capital returns… …Quarter Fiscal 2026 Financial Results • Revenue : $9.3 b”
“ased payment expense , and acquisition-related costs . We also provide “free cash flow” (“FCF”) for the total company to enhance the reader’s… …152.6 134.8 Income tax expense 32.1 28.1 Net income $ 120.5 $ 106.7 Earnings per share (1) : Bas”
Texas Pacific Land Corporation (TPL)
“depreciation, depletion and amortization (“EBITDA”), Adjusted EBITDA and free cash flow (“FCF”). TPL believes that EBITDA, Adjusted EBITDA and FCF are useful supplements as an indicator of… …History and Overview 2. Water Sales 3. Produced Water Royal”
“ identity intelligence platform, CORE™, is purpose-built for the… …of revenue. We believe FCF is an important liquidity measure of the cash that is available, after capital expenditures, for operational expenses and investment in our business. FCF is”
Lifestance Health Group, Inc. (LFST)
“0.9) ($10.3) ($7.8) ($7.2) Free Cash Flow $87.9 $22.3 $46.6 $17.0 $56.6 ($10.3) We define FCF, a non-GAAP performance measure, as net cash provided… … industry in which LifeStance operates, including statements regarding: full-year and third quarter ”
“age common shares outstanding - basic … …financial statements. We define Free cash flow ("FCF") as cash flow from operating activities, less capital expenditures. We define Adjusted free cash flow ("Adj. FCF") as cash flow from operating activities, ”
“-average common… …tax (benefit) expense from the net income (loss) of the period, and the FCF reconciliation excludes capital expenditures and effects of exchange rates from the cash flow from operations of the period, in each case where… …tax (benef”
Benchmark Electronics Inc (BHE)
“…Free Cash Flow (FCF), a non-GAAP measure, is defined as net cash provided by (used in) operations less capex Generated $22 million in Free Cash Flow while supporting investment”
“tlook for full-year 2025 includes adjusted EBIT of $7.0 billion to $8.5 billion, adjusted FCF of $3.5 billion… …benefits may take longer than expected to materialize; • Ford may not realize the anticipated benefits of restructuring actions and such a”
“y increased taxes and capex 1Q’26 Dynamics-b) Significant growth, margin expansion, and FCF* with increasing backlog-a) *… …for free cash flow* in 2026 guidance without unreasonable effort due to the uncertainty of timing for capital expenditures. ”
Concentra Group Holdings Parent, Inc. (CON)
“f Adjusted EBITDA, Adjusted EBITDA margin, Return on Invested Capital, Free Cash Flow and FCF Conversion, as defined herein (collectively, the “Non-GAAP Measures”), are important to investors… …facility undrawn as of 6/30/26; however, Concentra has $”
“l measure used by Cemex’s… …(US$ M) -$164 5,756 5,592 87 (539) 44 40 33 55 117 1 Net debt FCF from Growth capex Acquisitions and Dividends Inv. in intangible Coupons on Others net Net debt June operations divestments assets subordinated … …regulatory”
Vista Energy, S.A.B. De C.V. (VIST)
“PS (Earnings per share): Net Income divided by weighted average number of ordinary shares FCF (Free cash flow): Operating … …$MM CAPEX +31% y-o-y +19% q-o-q 805 $MM Adj. EBITDA +99% y-o-y +79% q-o-q 322 $MM Net Income 99 $MM Free Cash Flow 1.41 x Net”
“18 – 12.32 10% *The outlook is provided… …Non-GAAP Net Income) 16 0% Q3-24 Q4-24 LTM FCF Q1-25 Q2-25 % LTM FCF margin Q3-25 Executing on Share Repurchase Plan Quarterly Annual $369M $252M $288M $146M $145M $90M $65M $86M $95M $69M ”
See also the earnings calendar for every tracked company’s next earnings date.