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First Commonwealth Financial
First Commonwealth Financial (FCF) investor relations material
First Commonwealth Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Core EPS for Q4 2025 was $0.43, up $0.04 sequentially, with net interest margin expanding to 3.98% and core ROA at 1.45%.
Average deposits and total loans grew 2.8% and 1.2% respectively in Q4, with annualized loan growth at 8.2% and deposit growth at 6.1% for the year.
Fee income represented 18% of total revenue, with a focus on further growth through the regional banking model.
Completed the CenterBank acquisition, contributing to deposit and loan growth, and repurchased 2.1 million shares in 2025, offsetting most shares issued for the acquisition.
The Board approved $50 million in new share repurchase programs, with $22.7 million remaining at year-end and an additional $25 million authorized in January 2026.
Financial highlights
Net interest income for 2025 was $427.5 million, up $47.2 million year-over-year, with Q4 net interest income (FTE) at $113.6 million, up $2.1 million sequentially.
Deposit costs fell 1 basis point to 1.83% in Q4; average deposit growth for the year was 6.1%.
Non-interest income fell $3 million year-over-year, despite $6.3 million in Durbin amendment headwinds.
Core efficiency ratio for Q4 was 52.8%, with core non-interest expense up $1.7 million from the prior quarter due to hiring and software costs.
Provision expense was $7.0 million, down $4.3 million from the previous quarter.
Outlook and guidance
NIM expected to dip 5-10 basis points in Q1 2026, then gradually improve to around 4% by year-end, with macro swap maturities providing a cumulative 3bps benefit by year-end 2026.
Loan growth guidance for 2026 is mid-single digits, similar to 2025, with strong commercial and construction pipelines.
Non-interest income expected to remain flat in 2026; operating cost increases targeted at 3% year-over-year.
Stock buybacks will continue, with $22.7 million remaining under current authorization and an additional $25 million approved.
The company maintains strong capital and liquidity positions to support continued capital return and growth.
Reasoning for $225.4M commercial loans HFS
Explain rising NPLs/criticized loans vs. lower NCOs?
Mitigate Durbin impact on card interchange income
New loan yields and deposit cost outlook?
Are more strategic loan portfolio sales expected?
Expected quarterly share repurchase pace?
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Next First Commonwealth Financial earnings date
Q1 202629 Apr, 2026
First Commonwealth Financial
Next First Commonwealth Financial earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
First Commonwealth Financial Corporation is a financial holding company that provides consumer and commercial banking services through its subsidiary, First Commonwealth Bank. Its services include deposit accounts, loans, mortgage lending, and wealth management. The company operates primarily in Pennsylvania and Ohio. It is headquartered in Indiana, Pennsylvania, and its shares are listed on the NYSE.
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