FIRST COMMONWEALTH FINANCIAL CORP REPORTS STRONG Q4 2025 PROFITS

By Chris Stiles • Wednesday, January 28 11:43 • Permanent Link

First Commonwealth Financial Corporation (NYSE: FCF) has announced its financial results for the fourth quarter and full year of 2025. Here are the key highlights:

Net income for the fourth quarter of 2025 was $44.9 million, representing an increase of $3.5 million from the previous quarter and $9.0 million from the fourth quarter of 2024.
Diluted earnings per share for the same period were $0.43, an increase of $0.04 from the previous quarter and $0.08 from the fourth quarter of 2024.
Core net income for the full year 2025 was $158.1 million, or $1.53 diluted earnings per share, compared to $142.7 million, or $1.40 diluted earnings per share in the prior year.
Total average deposits increased by $72.0 million, or 2.8% annualized, compared to the previous quarter.
Total loans increased by $28.6 million, or 1.2% annualized, from the previous quarter, driven by growth in the equipment finance and construction portfolios.
Net interest income (fte) of $113.6 million increased by $2.1 million from the previous quarter.
The provision for credit losses decreased to $7.0 million in the fourth quarter of 2025, down from $11.3 million in the previous quarter.
The company declared a common stock quarterly dividend of $0.135 per share, representing a 3.9% increase from the fourth quarter of 2024.

The company's capital ratios for total, tier I, leverage, and common equity tier I at December 31, 2025, were 14.5%, 12.7%, 10.9%, and 12.1%, respectively, exceeding the fully phased-in Basel III capital requirements issued by U.S. bank regulators.

First Commonwealth Financial Corporation is set to host a quarterly conference call to discuss its financial results for the fourth quarter and full year 2025 on January 28, 2026, at 2:00 pm (ET).

The full reconciliation of non-GAAP financial measures may be found at the end of the financial statements that accompany the release. Following these announcements, the company's shares moved -0.74%, and are now trading at a price of $17.47. For more information, read the company's full 8-K submission here.

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