First Commonwealth Financial Corporation

FCFNYSEFinancial Services● Active

$19.27

+$0.16(+0.81%)

Market Cap$2.0B

P/E Ratio—

52W High$19.37

52W Low$15

Avg Volume859K

Open$19.23

Beta0.75

Overview

First Commonwealth Financial Corporation (FCF) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

FCF · free cash flow · updated Jun 8, 2026

Core FCF metrics

FCF · FCF · TTM · margin & CAGR

Free cash flow was $171.4M for FY2025 (fiscal year ending 2025-12-31), up 50.4% year-over-year The FCF margin was 23.5%. Five-year CAGR stands at +11.8%.

FY2025 Free Cash Flow$171.4M▲ +50.4% YoY

Trailing 12M (TTM)$203.7Mtrailing 4 quarters sum

FCF Margin23.5%$171.4M ÷ revenue

3-Year CAGR+6.9%FY2022 → FY2025

5-Year CAGR+11.8%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

FCF · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$187.5M(16M)$171.4M▲ +50.4%23.5%

FY2024$129.5M(16M)$113.9M▼ 11.5%16.3%

FY2023$150.8M(22M)$128.7M▼ 8.2%20.5%

FY2022$151.4M(11M)$140.2M▼ 9.2%32.7%

FY2021$165.0M(11M)$154.4M▲ +57.4%38.5%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

FCF · P/FCF · FCF yield · FCF per share

First Commonwealth Financial Corporation (FCF) trades at a FCF yield of 10.44% and a price-to-free-cash-flow ratio of 9.7x. FCF per share stands at $1.98, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

10.44%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$1.98

TTM FCF ÷ Shares Outstanding

Price / FCF

x9.7

Share Price ÷ FCF per Share

EV / FCF (TTM)

x10.0

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

FCF · cash flow statement · operating / investing / financing

For FY2025, First Commonwealth Financial Corporation generated $187.5M in operating cash flow and spent 16M in capital expenditures, yielding $171.4M in free cash flow.

Operating Activities

+$187.5M

Cash from core business operations

2025-12-31

Investing Activities

−$388.1M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$247.6M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($187.5M) − |CapEx| (16M) = FCF ($171.4M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

FCF vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

First Commonwealth Financial CorporationYOU

FCF

$171.4M+50.4%23.5%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

First Commonwealth Financial Corporation (FCF) reported free cash flow of $171.4M for FY2025 (fiscal year ending 2025-12-31), up 50.4% year-over-year. The FCF margin was 23.5%.

Based on available data, First Commonwealth Financial Corporation has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $171.4M in FY2025. The 5-year CAGR stands at +11.8%.

First Commonwealth Financial Corporation's FCF yield is 10.44% and price-to-FCF ratio is 9.7x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

FCF free cash flow · 8 questions

First Commonwealth Financial Corporation free cash flow was $171.4M for FY2025, up 50.4% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $203.7M.

FCF free cash flowFCF FCFFCF FCF 2025FCF free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · First Commonwealth Financial Corporation · First Commonwealth Financial Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026