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First Commonwealth Financial (FCF) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Financial Performance - First Commonwealth Financial (FCF) reported revenue of $130.99 million for the quarter ended June 2025, marking a year-over-year increase of 9% [1] - The earnings per share (EPS) for the same period was $0.38, compared to $0.36 a year ago, indicating a positive growth trend [1] - The reported revenue exceeded the Zacks Consensus Estimate of $124.65 million by 5.09% [1] - The EPS also surpassed the consensus estimate of $0.34 by 11.76% [1] Key Metrics Analysis - The Core Efficiency Ratio was reported at 54.1%, better than the average estimate of 58.7% based on two analysts [4] - The Net Interest Margin (FTE) stood at 3.8%, slightly above the average estimate of 3.7% [4] - Total Interest-Earning Assets (FTE) amounted to $11.16 billion, exceeding the average estimate of $11.08 billion [4] - Gain on sale of mortgage loans was $1.84 million, surpassing the average estimate of $1.75 million [4] - Total Non-Interest Income reached $24.75 million, compared to the average estimate of $23 million [4] Stock Performance - Shares of First Commonwealth Financial have returned +0.5% over the past month, while the Zacks S&P 500 composite increased by +3.6% [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential for outperformance in the near term [3]