FCF First Commonwealth Financial margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 83

Gross margin

100%

Operating margin

41%

EBITDA margin

42.5%

Net margin

33.5%

The First Commonwealth Financial shows a gross margin of 100%, an operating margin of 41%, an EBITDA margin of 42.5%, and a net margin of 33.5%. Net margin improved by 3 percentage points, while other available margins were stable.

FCF margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, First Commonwealth Financial's margins averaged 100% gross, 40.53% operating, 41.73% EBITDA, and 32.33% net. Currently, operating, EBITDA, and net margins are above their three-year averages.

FCF margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 2.7 percentage points, EBITDA margin by 2.8 percentage points, and net margin by 3 percentage points. Gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

2.7pp

EBITDA margin expansion

2.8pp

Net margin expansion

3pp

FCF Gross margin

Looking back over the last 3 years, First Commonwealth Financial recorded an average gross margin of 100%. First Commonwealth Financial's current gross margin is 100% and is in line with its three-year average. The highest gross margin for First Commonwealth Financial was 100% in Sep 2026, while the lowest was 100% in Dec 2023.

FCF Operating margin

Over the last 3 years, First Commonwealth Financial had an average operating margin of 40.53%. At present, First Commonwealth Financial's current operating margin is 41%, which is 0.5 percentage points above its three-year average. Looking back over the last 3 years, First Commonwealth Financial's operating margin reached 43.8% at its highest point in Mar 2024 and 37% at its lowest in Jun 2025.

FCF EBITDA margin

Over the last 3 years, the average EBITDA margin for First Commonwealth Financial was 41.73%. The latest EBITDA margin for First Commonwealth Financial is 42.5%, 0.8 percentage points above its three-year average. First Commonwealth Financial's EBITDA margin ranged from a low of 38.4% in Jun 2025 to a high of 44.6% in Mar 2024.

FCF Net margin

Over the last 3 years, the average net margin for First Commonwealth Financial was 32.33%. First Commonwealth Financial's current net margin is 33.5% and is 1.2 percentage points above its three-year average. First Commonwealth Financial's net margin ranged from a low of 29.4% in Jun 2025 to a high of 35% in Mar 2024.

FCF margin group comparison

Margins compared with peer-group, industry and sector averages

First Commonwealth Financial's gross margin of 100% is higher than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 83.5%, First Commonwealth Financial's gross margin is 20% higher.

FCF margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is First Commonwealth Financial's gross margin?

For the period ending Sep 30, 2026, FCF recorded a gross margin of 100%.

What is First Commonwealth Financial's operating margin?

The current operating margin for FCF is 41% as of Sep 30, 2026.

What is First Commonwealth Financial's EBITDA margin?

The current EBITDA margin for FCF is 42.5% as of Sep 30, 2026.

What is First Commonwealth Financial's net margin?

As of Sep 30, 2026, FCF has a net margin of 33.5%.

What are the average margins of FCF?

The three-year average margins for FCF were 100.0% gross, 40.5% operating, 41.7% EBITDA, and 32.3% net.

What are the highest historical margins of FCF?

Within the 5-year period, FCF recorded its highest margins at 100% gross in Sep 2026, 44.7% operating in Dec 2021, 47.7% EBITDA in Dec 2021, and 35.8% net in Dec 2021.

What are the lowest historical margins of FCF?

Across the 5-year period, FCF posted its lowest margins at 100% gross in Dec 2021, 37% operating in Jun 2025, 38.4% EBITDA in Jun 2025, and 29.4% net in Jun 2025.