First Commonwealth Financial Corporation Q4 2025 Earnings Highlights
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1d ago
0mins
Source: seekingalpha
- Core Earnings Performance: First Commonwealth reported a core EPS of $0.43 for Q4, exceeding market expectations, while the net interest margin expanded to 3.98% and core ROA reached 1.45%, indicating enhanced profitability in a favorable interest rate environment.
- Loan and Deposit Growth: The company achieved an annualized loan growth rate of 8.2% and a deposit growth of 6.1% in 2025, driven by healthy commercial loan volumes and lower deposit costs, reflecting its competitive position in the market.
- Strategic Loan Sale: The designation of a $225 million commercial loan portfolio as held for sale represents a strategic exit from the Philadelphia market, expected to improve liquidity and capital ratios while potentially impacting future net interest income growth.
- Share Buyback Program: As of December 31, 2025, the remaining share repurchase capacity was $22.7 million, with an additional $25 million authorized by the Board, demonstrating the company's focus on capital deployment and confidence in future growth.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy FCF?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on FCF
Wall Street analysts forecast FCF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FCF is 20.00 USD with a low forecast of 19.00 USD and a high forecast of 21.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
3 Buy
0 Hold
0 Sell
Strong Buy
Current: 17.800
Low
19.00
Averages
20.00
High
21.00
Current: 17.800
Low
19.00
Averages
20.00
High
21.00
About FCF
First Commonwealth Financial Corporation is a financial holding company. The Company’s operating subsidiaries include First Commonwealth Bank (the Bank), First Commonwealth Insurance Agency, Inc. (FCIA) and FRAMAL. It provides a diversified array of consumer and commercial banking services through its subsidiary, FCB. It also provides trust and wealth management services through FCB and offers insurance products through FCIA. Its consumer services include Internet, mobile and telephone banking, an automated teller machine network, personal checking accounts, savings accounts, health savings accounts, insured money market accounts, debit cards, investment certificates, mortgage loans, and others. The Bank operates through approximately 127 community banking offices in 30 counties throughout western and central Pennsylvania and throughout Ohio, as well as commercial lending operations in Pittsburgh and Harrisburg, Pennsylvania, and Canton, Cleveland, Columbus and Cincinnati, Ohio.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
First Commonwealth Financial Corporation Q4 2025 Earnings Highlights
- Core Earnings Performance: First Commonwealth reported a core EPS of $0.43 for Q4, exceeding market expectations, while the net interest margin expanded to 3.98% and core ROA reached 1.45%, indicating enhanced profitability in a favorable interest rate environment.
- Loan and Deposit Growth: The company achieved an annualized loan growth rate of 8.2% and a deposit growth of 6.1% in 2025, driven by healthy commercial loan volumes and lower deposit costs, reflecting its competitive position in the market.
- Strategic Loan Sale: The designation of a $225 million commercial loan portfolio as held for sale represents a strategic exit from the Philadelphia market, expected to improve liquidity and capital ratios while potentially impacting future net interest income growth.
- Share Buyback Program: As of December 31, 2025, the remaining share repurchase capacity was $22.7 million, with an additional $25 million authorized by the Board, demonstrating the company's focus on capital deployment and confidence in future growth.
Continue Reading
First Commonwealth Financial Q4 Earnings Beat Expectations
- Earnings Beat: First Commonwealth Financial reported a Q4 non-GAAP EPS of $0.43, exceeding expectations by $0.01, indicating robust profitability and boosting investor confidence.
- Significant Revenue Growth: The company achieved $137 million in revenue for Q4, a 13.4% year-over-year increase that not only surpassed market expectations by $1.44 million but also reflects strong business expansion and market demand, solidifying its market position.
- Share Buyback Announcement: First Commonwealth Financial announced a $25 million share buyback plan aimed at enhancing EPS and shareholder returns, demonstrating the company's confidence in future growth and commitment to shareholder value.
- Upgrade Anticipation: With improved earnings, market attention on First Commonwealth Financial is increasing, and analysts are likely to upgrade their ratings on the company, potentially attracting more investor interest.
Continue Reading