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First Commonwealth Financial (FCF) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
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For the quarter ended March 2026, First Commonwealth Financial (FCF - Free Report) reported revenue of $133.56 million, up 13.2% over the same period last year. EPS came in at $0.37, compared to $0.32 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $134.51 million, representing a surprise of -0.7%. The company delivered an EPS surprise of -6.33%, with the consensus EPS estimate being $0.40.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how First Commonwealth Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Core Efficiency Ratio: 55.4% versus 55.5% estimated by four analysts on average.
Net interest margin (FTE): 3.9% versus the four-analyst average estimate of 3.9%.
Total Interest-Earning Assets (FTE): $11.3 billion versus $11.44 billion estimated by four analysts on average.
Net charge-offs as a percent of average loans and leases (annualized): 0.4% versus the three-analyst average estimate of 0.3%.
Total Nonperforming Assets: $93.86 million compared to the $94.03 million average estimate based on two analysts.
Total Nonperforming Loans and Leases: $92.31 million versus $91.92 million estimated by two analysts on average.
Total Non-Interest Income: $24.59 million versus the four-analyst average estimate of $23.62 million.
Net interest income, (FTE): $109.34 million versus $110.78 million estimated by three analysts on average.
Gain on sale of other loans and assets: $2.18 million versus the two-analyst average estimate of $1.75 million.
Net Interest Income: $108.97 million versus the two-analyst average estimate of $110.69 million.
Card-related interchange income: $3.66 million versus $3.99 million estimated by two analysts on average.
Trust income: $3.41 million versus the two-analyst average estimate of $3.21 million.
Shares of First Commonwealth Financial have returned +7.6% over the past month versus the Zacks S&P 500 composite's +12.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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First Commonwealth Financial (FCF) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
For the quarter ended March 2026, First Commonwealth Financial (FCF - Free Report) reported revenue of $133.56 million, up 13.2% over the same period last year. EPS came in at $0.37, compared to $0.32 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $134.51 million, representing a surprise of -0.7%. The company delivered an EPS surprise of -6.33%, with the consensus EPS estimate being $0.40.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how First Commonwealth Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for First Commonwealth Financial here>>>
Shares of First Commonwealth Financial have returned +7.6% over the past month versus the Zacks S&P 500 composite's +12.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.