First Commonwealth Financial (FCF Quick QuoteFCF - Free Report) reported $143.05 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 5.2%. EPS of $0.45 for the same period compares to $0.39 a year ago.

The reported revenue represents a surprise of +1.07% over the Zacks Consensus Estimate of $141.54 million. With the consensus EPS estimate being $0.46, the EPS surprise was -2.17%.

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: 53.2% versus the five-analyst average estimate of 52.6%.
• Net charge-offs as a percent of average loans and leases (annualized): 0.2% versus the five-analyst average estimate of 0.4%.
• Net interest margin (FTE): 4.1% versus 4.1% estimated by five analysts on average.
• Total Interest-Earning Assets (FTE): $11.26 billion compared to the $11.43 billion average estimate based on four analysts.
• Total Nonperforming Loans and Leases: $95.24 million compared to the $78.78 million average estimate based on two analysts.
• Total Non-Interest Income: $26.73 million compared to the $24.87 million average estimate based on five analysts.
• Net interest income, (FTE): $116.74 million compared to the $115.86 million average estimate based on three analysts.
• Gain on sale of mortgage loans: $2.51 million versus $2.24 million estimated by three analysts on average.
• Net Interest Income: $116.32 million versus $116.86 million estimated by three analysts on average.
• Card-related interchange income: $3.98 million compared to the $3.93 million average estimate based on two analysts.
• Trust income: $3.9 million versus the two-analyst average estimate of $3.33 million.
• Other Income: $2.31 million versus the two-analyst average estimate of $2.15 million.

View all Key Company Metrics for First Commonwealth Financial here>>>

Shares of First Commonwealth Financial have returned +3% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.