FCF Q4 2025 Earnings Transcript [Globe and Mail, The (Toronto, Canada)]
First Commonwealth Financial Corporation (FCF)
Last first commonwealth financial corporation earnings: 4/28 07:00 am
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fcbanking.com/why-us
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Source: Globe and Mail, The
Chief Financial Officer — James Reske Chief Credit Officer — Brian Sohocki Chief Banking Officer — Michael McCuen Takeaways Core EPS -- $0.43 per share reported for the fiscal fourth quarter ended Dec. 31, 2025, outperforming consensus estimates. Net interest margin -- 3.98%, with a 6 basis point sequential expansion driven by higher loan yields and lower deposit costs. Core ROA and ROTCE -- Core return on assets improved to 1.45%, while core return on tangible common equity reached 15.83%, rising 11 and 93 basis points, respectively, from the prior quarter. Core efficiency ratio -- 52.8% for the quarter, remaining below 53%. Net interest income -- $427.5 million for fiscal 2025, up $47.2 million year over year, with annual margin rising due to rate environment and mix shift. Deposit costs -- Fell 1 basis point to 1.83% sequentially, providing margin support. Average deposits and loans -- Grew sequentially by 2.8% and 1.2%, respectively, in the fiscal fourth quart
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FCF
News
- First Commonwealth Financial Corporation Appoints Ryan L. Gorney as Executive Vice President and Chief Information OfficerGlobeNewswire
- First Commonwealth to Host First Quarter 2026 Earnings Conference Call on Wednesday, April 29, 2026GlobeNewswire
- Q4 Earnings Roundup: First Commonwealth Financial (NYSE:FCF) And The Rest Of The Regional Banks Segment [Yahoo! Finance]Yahoo! Finance
- Implied Volatility Surging for First Commonwealth Financial Stock Options [Yahoo! Finance]Yahoo! Finance
- First Commonwealth Financial (NYSE:FCF) Has Announced A Dividend Of $0.135 [Yahoo! Finance]Yahoo! Finance
FCF
Earnings
- 1/27/26 - Beat
FCF
Sec Filings
- 4/15/26 - Form 8-K
- 4/15/26 - Form DEFA14A
- 4/8/26 - Form 3
- FCF's page on the SEC website