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First Commonwealth Financial (FCF)
:FCF
Earnings Data
Report Date
Feb 03, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.42Last Year’s EPS
0.35Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The earnings call reflects a positive outlook with improvements in key financial metrics, deposit and loan growth, and successful acquisition performance. However, challenges such as the dealer floor plan fraud and potential net interest margin pressure due to rate cuts and seasonal factors are noted.Company Guidance
Improved Financial Metrics
Return on assets improved to 1.34% and core pretax, pre-provision ROA grew 10 basis points to 2.05%. Net interest margin expanded 9 basis points to 3.92%.
Deposit and Loan Growth
Average deposits increased 4%, while loans grew by $137 million or 5.7% despite commercial real estate payoff headwinds.
Efficiency Ratio Improvement
The efficiency ratio improved to 52.3% from 54.1% in the previous quarter, indicating good expense control.
Tangible Book Value Growth
Tangible book value grew 11.6% annualized on a linked-quarter basis and 9.1% year-over-year.
Successful Center Bank Acquisition
The acquisition in Cincinnati is exceeding customer retention expectations, aiding regional expansion.
FCF Earnings History
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 |
|---|---|---|---|
Oct 28, 2025 | $16.25 | $15.36 | -5.48% |
Jul 29, 2025 | $15.80 | $16.06 | +1.65% |
Apr 29, 2025 | $14.92 | $15.17 | +1.68% |
Jan 28, 2025 | $16.27 | $15.63 | -3.93% |
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 (FCF) report earnings?
First Commonwealth Financial (FCF) is schdueled to report earning on Feb 03, 2026, After Close (Confirmed).
What is First Commonwealth Financial (FCF) earnings time?
First Commonwealth Financial (FCF) earnings time is at Feb 03, 2026, 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 (Q4) is 0.42.