First Commonwealth Financial (FCF) Reports Q1 Earnings: What Key Metrics Have to Say

First Commonwealth Financial (FCF) reported $118.02 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 1.5%. EPS of $0.32 for the same period compares to $0.37 a year ago.The reported revenue represents a surprise of +0.42% over the Zacks Consensus Estimate of $117.53 million. With the consensus EPS estimate being $0.32, the company has not delivered EPS surprise.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.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.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: 59.1% versus 58.2% estimated by three analysts on average. Net interest margin (FTE): 3.6% compared to the 3.5% average estimate based on three analysts. Total Interest-Earning Assets (FTE): $10.75 billion versus $10.77 billion estimated by three analysts on average. Total Non-Interest Income: $22.50 million compared to the $22.44 million average estimate based on three analysts. Gain on sale of mortgage loans: $1.39 million versus the three-analyst average estimate of $1.28 million. Gain on sale of other loans and assets: $1.39 million versus $1.93 million estimated by two analysts on average. Net Interest Income: $95.52 million compared to the $94.84 million average estimate based on two analysts. Card-related interchange income: $3.65 million compared to the $3.77 million average estimate based on two analysts. Net interest income, (FTE): $95.86 million versus $94.42 million estimated by two analysts on average. Trust income: $3.02 million compared to the $3.05 million average estimate based on two analysts. Service charges on deposit accounts: $5.44 million versus the two-analyst average estimate of $5.59 million. Insurance and retail brokerage commissions: $3.17 million versus $2.79 million estimated by two analysts on average. View all Key Company Metrics for First Commonwealth Financial here>>>Shares of First Commonwealth Financial have returned -1.5% 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.Zacks Names #1 Semiconductor StockIt's only 1/9,000th the size of NVIDIA which skyrocketed more than +800% since we recommended it. NVIDIA is still strong, but our new top chip stock has much more room to boom.With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $803 billion by 2028.See This Stock Now for Free >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report First Commonwealth Financial Corporation (FCF): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks