First Commonwealth Financial Corp /Pa/ (New York Stock Exchange:FCF)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $622.5M
- Net income
- $168.3M
- Net margin
- 27.0%
A manageable debt load.
- Total debt
- $263.0M
- Cash
- $110.3M
- Net debt / EBITDA
- 1.23x
Owes more within a year than it holds to pay it.
- Current assets
- $1.78B
- Current liabilities
- $10.40B
- Current ratio
- 0.17
The business funds itself from operations.
- Operating cash flow
- $191.7M
- Free cash flow
- $179.1M
- FCF margin
- 28.8%
Not funding itself by issuing shares.
- Shares outstanding
- 102.0M
- Share growth (1y)
- -1.9%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
FCF Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 66.99 M | 179.29 M | 188.64 M | 187.57 M | 183.60 M | 169.63 M |
| Revenue Growth (YoY) | -63.51 % | 5.69 % | 7.59 % | 4.77 % | 4.43 % | 0.11 % |
| Cost of Revenue | 58.98 M | 58.98 M | 50.72 M | 62.91 M | 65.34 M | 57.34 M |
| Gross Profit | 8.02 M | 120.31 M | 137.92 M | 124.65 M | 118.26 M | 112.29 M |
| SG&A Expense | 53.62 M | 53.26 M | 43.95 M | 44.30 M | 3.36 M | 2.99 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 53.62 M | 73.08 M | 74.48 M | 72.83 M | 76.20 M | 71.25 M |
| Operating Income | -45.60 M | 47.23 M | 63.44 M | 51.82 M | 42.06 M | 41.04 M |
| Pretax Income | 56.27 M | 47.23 M | 56.44 M | 51.82 M | 42.06 M | 41.04 M |
| Tax Provision | 11.68 M | 9.69 M | 11.56 M | 10.49 M | 8.66 M | 8.34 M |
| Net Income | 44.59 M | 37.55 M | 44.88 M | 41.33 M | 33.40 M | 32.70 M |
| EPS (Basic) | 0.44 | 0.37 | 0.43 | 0.40 | 0.32 | 0.32 |
| EPS (Diluted) | 0.44 | 0.37 | 0.43 | 0.39 | 0.32 | 0.32 |
| Shares Outstanding | 101.97 M | 102.39 M | 102.84 M | 104.75 M | 103.93 M | 101.86 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.