The earnings call presented a generally positive outlook for First Commonwealth Financial Corporation, with significant achievements in earnings per share, net interest margin expansion, and both loan and deposit growth. However, the increase in nonperforming loans and provision expenses were notable concerns. The successful integration of the CenterBank acquisition and robust fee income growth further contributed to a positive sentiment.

Company Guidance -

Q3 2025

In the second quarter of 2025, First Commonwealth Financial Corporation reported strong financial performance with several key metrics surpassing expectations. The core earnings per share came in at $0.38, exceeding consensus estimates by $0.03 and improving from the previous quarter's $0.32. Core return on assets was recorded at 1.31%, while the core pretax pre-provision ROA stood at 1.95%, accompanied by a core efficiency ratio of 54.1%. The net interest margin expanded significantly, rising from 3.62% in the first quarter to 3.83% in the second quarter, mainly due to improved loan yields and lower deposit costs. This expansion, along with an annualized 8.1% growth in loans, increased net interest income by $10.7 million to reach $106.2 million. Total deposits grew by 9% year-to-date, hitting $10.1 billion, driven by strong performances in key geographic markets, including Ohio and Pennsylvania. Noninterest income also saw an uptick, increasing by $2.1 million to $24.7 million, bolstered by mortgage, SBA, interchange, wealth, and other service charges. Looking ahead, the company anticipates continued momentum supported by disciplined execution and strategic acquisitions.

Earnings Per Share Surpasses Estimates

Core earnings per share of $0.38 surpassed consensus estimates by $0.03, improving from $0.32 in the previous quarter.

Significant Net Interest Margin Expansion

Net interest margin expanded by 21 basis points from 3.62% to 3.83% due to improved loan yields and lower deposit costs.

Strong Loan and Deposit Growth

Loan growth at 8.1% annualized and deposits grew 9% year-to-date, reaching $10.1 billion.

Successful Integration of Acquisition

The integration of CenterBank added $295 million in loans and $278 million in deposits, enhancing the company's presence in Cincinnati.

Robust Fee Income Growth

Noninterest income increased by $2.1 million to $24.7 million, driven by mortgage, SBA, interchange, and wealth management.

First Commonwealth (FCF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FCF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.41 / -	0.31	―	―	―
Jul 29, 2025	2025 (Q2)	0.28 / 0.32	0.36	-11.11% (-0.04)
Apr 29, 2025	2025 (Q1)	0.32 / 0.32	0.37	-13.51% (-0.05)
Jan 28, 2025	2024 (Q4)	0.35 / 0.35	0.44	-20.45% (-0.09)
Oct 29, 2024	2024 (Q3)	0.36 / 0.31	0.38	-18.42% (-0.07)
Jul 23, 2024	2024 (Q2)	0.35 / 0.36	0.42	-14.29% (-0.06)
Apr 23, 2024	2024 (Q1)	0.36 / 0.37	0.3	23.33% (+0.07)
Jan 30, 2024	2023 (Q4)	0.39 / 0.44	0.38	15.79% (+0.06)
Oct 24, 2023	2023 (Q3)	0.40 / 0.38	0.36	5.56% (+0.02)
Jul 25, 2023	2023 (Q2)	0.41 / 0.42	0.33	27.27% (+0.09)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FCF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 29, 2025	$16.07	$16.34	+1.68%
Apr 29, 2025	$15.18	$15.43	+1.65%
Jan 28, 2025	$16.55	$15.90	-3.93%
Oct 29, 2024	$16.55	$16.49	-0.36%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does First Commonwealth Financial Corp. (FCF) report earnings?

First Commonwealth Financial Corp. (FCF) is schdueled to report earning on Oct 28, 2025, After Close (Confirmed).

What is First Commonwealth Financial Corp. (FCF) earnings time?

First Commonwealth Financial Corp. (FCF) earnings time is at Oct 28, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is FCF EPS forecast?

FCF EPS forecast for the fiscal quarter 2025 (Q3) is 0.41.

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