First Commonwealth Financial Corp
fcbanking.comWhat Do They Do?
Provides consumer and commercial banking, trust and wealth management, and insurance services to individuals and businesses.
10-K for FY2025, filed Mar 2, 2026First Commonwealth Financial Corporation (โFirst Commonwealth,โ the โCompanyโ or โweโ) is a financial holding company headquartered inโฆView โ
How Do They Make Money?
Most revenue comes from interest earned on loans and investments, less interest paid on deposits and borrowings. Customers also pay service fees periodically or based on activity, while insurance commissions are generally paid monthly during policy periods.
10-K for FY2025, filed Mar 2, 2026As a financial institution with a focus on traditional banking activities, we earn the majority of our revenue through net interest incomeโฆView โ
A significant component of the Company's revenue, net interest earned on financial assets and liabilities, is excluded from the scope ofโฆView โ
Service charges on deposit accounts consist of fees earned from its deposit customers for transaction-based, account maintenance, overdraftโฆView โ
Insurance income primarily consists of commissions received from execution of personal, business and health insurance policies when actingโฆView โ
$632.7M
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10-K for FY2025, filed Mar 2, 2026
$632.7M โ
Who Are Their Customers?
The bank serves consumers and businesses through its branches and digital and phone banking; most commercial customers are small and midsized businesses in Pennsylvania and Ohio. It also provides trust, wealth management and insurance services.
10-K for FY2025, filed Mar 2, 2026
Do Revenues Turn Into Profits?
Yes. It kept 24 cents of every revenue dollar as net income in FY2025 and turned 27 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 2.2x in 4 years, from $293.8M in FY2021 to $632.7M in FY2025, about 21% a year.
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