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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and FIRST COMMONWEALTH FINANCIAL CORP (FCF). Click either name above to swap in a different company.
FIRST COMMONWEALTH FINANCIAL CORP is the larger business by last-quarter revenue ($133.7M vs $105.5M, roughly 1.3× CARRIAGE SERVICES INC). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs 11.6%, a 16.5% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs 8.0%). Over the past eight quarters, FIRST COMMONWEALTH FINANCIAL CORP's revenue compounded faster (5.5% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
First Commonwealth Financial Corp is a Pennsylvania-based regional financial services holding company. It offers consumer and commercial banking products, loans, wealth management, and insurance services for individuals, small and mid-sized enterprises across central and western Pennsylvania and Ohio.
CSV vs FCF — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $133.7M |
| Net Profit | $12.3M | $37.5M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | — |
| Net Margin | 11.6% | 28.1% |
| Revenue YoY | 8.0% | 13.0% |
| Net Profit YoY | 24.5% | 14.8% |
| EPS (diluted) | $0.76 | $0.37 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $133.7M | ||
| Q4 25 | $105.5M | $137.9M | ||
| Q3 25 | $102.7M | $136.0M | ||
| Q2 25 | $102.1M | $131.0M | ||
| Q1 25 | $107.1M | $118.0M | ||
| Q4 24 | $97.7M | $120.4M | ||
| Q3 24 | $100.7M | $121.2M | ||
| Q2 24 | $102.3M | $120.2M |
| Q1 26 | — | $37.5M | ||
| Q4 25 | $12.3M | $44.9M | ||
| Q3 25 | $6.6M | $41.3M | ||
| Q2 25 | $11.7M | $33.4M | ||
| Q1 25 | $20.9M | $32.7M | ||
| Q4 24 | $9.9M | $35.8M | ||
| Q3 24 | $9.9M | $32.1M | ||
| Q2 24 | $6.3M | $37.1M |
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 23.3% | 40.9% | ||
| Q3 25 | 17.0% | 38.1% | ||
| Q2 25 | 23.5% | 32.1% | ||
| Q1 25 | 29.5% | 34.8% | ||
| Q4 24 | 21.6% | 37.1% | ||
| Q3 24 | 22.7% | 33.4% | ||
| Q2 24 | 18.0% | 38.7% |
| Q1 26 | — | 28.1% | ||
| Q4 25 | 11.6% | 32.5% | ||
| Q3 25 | 6.4% | 30.4% | ||
| Q2 25 | 11.5% | 25.5% | ||
| Q1 25 | 19.5% | 27.7% | ||
| Q4 24 | 10.1% | 29.8% | ||
| Q3 24 | 9.8% | 26.5% | ||
| Q2 24 | 6.1% | 30.9% |
| Q1 26 | — | $0.37 | ||
| Q4 25 | $0.76 | $0.44 | ||
| Q3 25 | $0.41 | $0.39 | ||
| Q2 25 | $0.74 | $0.32 | ||
| Q1 25 | $1.34 | $0.32 | ||
| Q4 24 | $0.62 | $0.35 | ||
| Q3 24 | $0.63 | $0.31 | ||
| Q2 24 | $0.40 | $0.36 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.7M | — |
| Total DebtLower is stronger | — | $154.9M |
| Stockholders' EquityBook value | $254.8M | $1.6B |
| Total Assets | $1.3B | $12.3B |
| Debt / EquityLower = less leverage | — | 0.10× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $1.7M | — | ||
| Q3 25 | $1.2M | — | ||
| Q2 25 | $1.4M | — | ||
| Q1 25 | $4.6M | — | ||
| Q4 24 | $1.2M | — | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $1.5M | — |
| Q1 26 | — | $154.9M | ||
| Q4 25 | — | $261.7M | ||
| Q3 25 | — | $262.1M | ||
| Q2 25 | — | $262.4M | ||
| Q1 25 | — | $262.7M | ||
| Q4 24 | — | $263.0M | ||
| Q3 24 | — | $136.3M | ||
| Q2 24 | — | $136.6M |
| Q1 26 | — | $1.6B | ||
| Q4 25 | $254.8M | $1.6B | ||
| Q3 25 | $242.1M | $1.5B | ||
| Q2 25 | $235.4M | $1.5B | ||
| Q1 25 | $223.1M | $1.4B | ||
| Q4 24 | $208.6M | $1.4B | ||
| Q3 24 | $198.1M | $1.4B | ||
| Q2 24 | $187.9M | $1.4B |
| Q1 26 | — | $12.3B | ||
| Q4 25 | $1.3B | $12.3B | ||
| Q3 25 | $1.3B | $12.3B | ||
| Q2 25 | $1.3B | $12.2B | ||
| Q1 25 | $1.3B | $11.8B | ||
| Q4 24 | $1.3B | $11.6B | ||
| Q3 24 | $1.3B | $12.0B | ||
| Q2 24 | $1.3B | $11.6B |
| Q1 26 | — | 0.10× | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.17× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.19× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.10× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $14.1M | — |
| Free Cash FlowOCF − Capex | $6.2M | — |
| FCF MarginFCF / Revenue | 5.9% | — |
| Capex IntensityCapex / Revenue | 7.5% | — |
| Cash ConversionOCF / Net Profit | 1.15× | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $14.1M | $187.5M | ||
| Q3 25 | $24.7M | $49.5M | ||
| Q2 25 | $8.1M | $30.4M | ||
| Q1 25 | $13.8M | $55.9M | ||
| Q4 24 | $9.3M | $129.5M | ||
| Q3 24 | $20.9M | $53.6M | ||
| Q2 24 | $2.2M | $22.7M |
| Q1 26 | — | — | ||
| Q4 25 | $6.2M | $171.5M | ||
| Q3 25 | $18.0M | — | ||
| Q2 25 | $5.2M | — | ||
| Q1 25 | $10.6M | — | ||
| Q4 24 | $4.9M | $113.9M | ||
| Q3 24 | $16.2M | — | ||
| Q2 24 | $-1.4M | — |
| Q1 26 | — | — | ||
| Q4 25 | 5.9% | 124.3% | ||
| Q3 25 | 17.5% | — | ||
| Q2 25 | 5.1% | — | ||
| Q1 25 | 9.9% | — | ||
| Q4 24 | 5.0% | 94.6% | ||
| Q3 24 | 16.1% | — | ||
| Q2 24 | -1.4% | — |
| Q1 26 | — | — | ||
| Q4 25 | 7.5% | 11.7% | ||
| Q3 25 | 6.5% | — | ||
| Q2 25 | 2.8% | — | ||
| Q1 25 | 3.0% | — | ||
| Q4 24 | 4.5% | 12.9% | ||
| Q3 24 | 4.6% | — | ||
| Q2 24 | 3.5% | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.15× | 4.18× | ||
| Q3 25 | 3.76× | 1.20× | ||
| Q2 25 | 0.69× | 0.91× | ||
| Q1 25 | 0.66× | 1.71× | ||
| Q4 24 | 0.94× | 3.61× | ||
| Q3 24 | 2.11× | 1.67× | ||
| Q2 24 | 0.34× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
FCF
Segment breakdown not available.
