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First Commonwealth Financial (FCF) investor relations material
First Commonwealth Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Core EPS was $0.38, up $0.06 sequentially and $0.03 above consensus, with strong net interest margin expansion and robust loan growth, aided by the CenterBank acquisition.
Net income for the first half of 2025 was $66.1 million, down year-over-year due to higher noninterest expense and credit loss provisions, despite higher net interest income.
Board authorized an additional $25 million in share repurchase authority and increased the quarterly dividend by up to 3.9%.
CenterBank/CenterGroup acquisition closed, adding nearly $295 million in loans and $278 million in deposits, and resulting in $14.9 million in goodwill.
Return on average assets was 1.12% for the first half of 2025, down from the prior year.
Financial highlights
Net interest income (FTE) was $106.6 million in Q2 2025, up $10.7 million sequentially and $11.3 million year-over-year.
Net interest margin expanded to 3.83%, up 21 bps sequentially and 26 bps year-over-year.
Loan growth was 8.1% annualized, with broad-based contributions across segments and geographies.
Noninterest income was $24.7 million in Q2 2025, up $2.3 million sequentially but down year-over-year due to Durbin amendment impacts.
Noninterest expense (excluding merger-related) rose by $1.2 million sequentially, mainly due to new employees from acquisitions.
Outlook and guidance
NIM expected to expand to low-to-mid 3.90s by year-end, assuming two Fed cuts; macro swaps maturing in 2025–2026 expected to add 7bps to NIM by year-end 2025.
Net interest income projected at $110M–$115M per quarter for the rest of 2025.
Expense and noninterest income expected to trail off in Q4 due to seasonality, then rebound in Q1 2026.
Management expects continued integration of CenterGroup, with anticipated synergies and economies of scale.
Conservative investment and deposit strategies position the company for continued stability and liquidity.
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Next First Commonwealth Financial earnings date
Q3 202529 Oct, 2025
Next First Commonwealth Financial earnings date
Q3 202529 Oct, 2025
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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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