The earnings call reflected a generally positive performance with strong financial metrics, significant growth in loans and deposits, and successful acquisition integration. However, challenges remain with an increase in nonperforming loans and potential pressure on loan spreads.

Company Guidance

During the First Commonwealth Financial Corporation's second-quarter 2025 earnings call, the company reported strong financial performance with a core earnings per share of $0.38, surpassing the consensus estimates by $0.03 and an increase from $0.32 in the first quarter. Key financial metrics included a core return on assets of 1.31%, a core pretax pre-provision ROA of 1.95%, and a core efficiency ratio of 54.1%. The net interest margin expanded by 21 basis points to 3.83%, driven by improved loan yields and lower deposit costs, alongside strong loan growth of 8.1% annualized. Noninterest income grew by $2.1 million to $24.7 million, with significant contributions from mortgage, SBA, and interchange fees. Total deposits increased by 9% year-to-date, reaching $10.1 billion. The integration of the CenterBank acquisition added $295 million in loans and $278 million in deposits. On the credit side, the provision expense was $12.6 million, with a notable $4.2 million specific reserve for a single commercial floorplan loan, contributing to a $40.1 million increase in nonperforming loans. Looking forward, the company anticipates net interest income between $110 million to $115 million per quarter for the remainder of 2025, with expectations for continued strong performance in a dynamic rate environment.

Earnings Per Share Surpasses Estimates

Core earnings per share of $0.38 exceeded consensus estimates by $0.03, showing an improvement from the $0.32 reported in the first quarter.

Net Interest Margin Expansion

Net interest margin expanded significantly from 3.62% in the first quarter to 3.83% in the second quarter, driven by improved loan yields and lower deposit costs.

Strong Loan and Deposit Growth

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

Positive Credit Trends

Continuation of positive trends in charge-offs and delinquency, despite a single commercial loan moving to nonaccrual status.

Successful Acquisition Integration

The integration of CenterBank, which added $295 million in loans and $278 million in deposits, is progressing smoothly and bolstering presence in Cincinnati.

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	$15.94	$16.20	+1.63%
Apr 29, 2025	$15.06	$15.30	+1.59%
Jan 28, 2025	$16.41	$15.77	-3.90%
Oct 29, 2024	$16.42	$16.36	-0.37%

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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