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Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and H2O AMERICA (HTO). Click either name above to swap in a different company.
H2O AMERICA is the larger business by last-quarter revenue ($199.4M vs $133.7M, roughly 1.5× FIRST COMMONWEALTH FINANCIAL CORP). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs 8.1%, a 20.0% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs 1.5%). Over the past eight quarters, H2O AMERICA's revenue compounded faster (15.3% CAGR vs 5.5%).
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.
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
FCF vs HTO — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $199.4M |
| Net Profit | $37.5M | $16.2M |
| Gross Margin | — | — |
| Operating Margin | — | 16.6% |
| Net Margin | 28.1% | 8.1% |
| Revenue YoY | 13.0% | 1.5% |
| Net Profit YoY | 14.8% | -29.2% |
| EPS (diluted) | $0.37 | $0.45 |
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 | $137.9M | $199.4M | ||
| Q3 25 | $136.0M | $243.5M | ||
| Q2 25 | $131.0M | $197.8M | ||
| Q1 25 | $118.0M | $164.9M | ||
| Q4 24 | $120.4M | $196.5M | ||
| Q3 24 | $121.2M | $216.7M | ||
| Q2 24 | $120.2M | $173.1M |
| Q1 26 | $37.5M | — | ||
| Q4 25 | $44.9M | $16.2M | ||
| Q3 25 | $41.3M | $45.1M | ||
| Q2 25 | $33.4M | $24.7M | ||
| Q1 25 | $32.7M | $16.6M | ||
| Q4 24 | $35.8M | $22.9M | ||
| Q3 24 | $32.1M | $38.7M | ||
| Q2 24 | $37.1M | $20.7M |
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | 16.6% | ||
| Q3 25 | 38.1% | 26.5% | ||
| Q2 25 | 32.1% | 22.2% | ||
| Q1 25 | 34.8% | 21.8% | ||
| Q4 24 | 37.1% | 22.2% | ||
| Q3 24 | 33.4% | 26.9% | ||
| Q2 24 | 38.7% | 23.4% |
| Q1 26 | 28.1% | — | ||
| Q4 25 | 32.5% | 8.1% | ||
| Q3 25 | 30.4% | 18.5% | ||
| Q2 25 | 25.5% | 12.5% | ||
| Q1 25 | 27.7% | 10.0% | ||
| Q4 24 | 29.8% | 11.7% | ||
| Q3 24 | 26.5% | 17.8% | ||
| Q2 24 | 30.9% | 12.0% |
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.44 | $0.45 | ||
| Q3 25 | $0.39 | $1.27 | ||
| Q2 25 | $0.32 | $0.71 | ||
| Q1 25 | $0.32 | $0.49 | ||
| Q4 24 | $0.35 | $0.70 | ||
| Q3 24 | $0.31 | $1.17 | ||
| Q2 24 | $0.36 | $0.64 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $20.7M |
| Total DebtLower is stronger | $154.9M | $1.9B |
| Stockholders' EquityBook value | $1.6B | $1.5B |
| Total Assets | $12.3B | $5.1B |
| Debt / EquityLower = less leverage | 0.10× | 1.23× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $20.7M | ||
| Q3 25 | — | $11.3M | ||
| Q2 25 | — | $19.8M | ||
| Q1 25 | — | $23.7M | ||
| Q4 24 | — | $11.1M | ||
| Q3 24 | — | $4.0M | ||
| Q2 24 | — | $22.8M |
| Q1 26 | $154.9M | — | ||
| Q4 25 | $261.7M | $1.9B | ||
| Q3 25 | $262.1M | — | ||
| Q2 25 | $262.4M | — | ||
| Q1 25 | $262.7M | — | ||
| Q4 24 | $263.0M | $1.7B | ||
| Q3 24 | $136.3M | — | ||
| Q2 24 | $136.6M | — |
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $1.5B | ||
| Q3 25 | $1.5B | $1.5B | ||
| Q2 25 | $1.5B | $1.5B | ||
| Q1 25 | $1.4B | $1.4B | ||
| Q4 24 | $1.4B | $1.4B | ||
| Q3 24 | $1.4B | $1.3B | ||
| Q2 24 | $1.4B | $1.3B |
| Q1 26 | $12.3B | — | ||
| Q4 25 | $12.3B | $5.1B | ||
| Q3 25 | $12.3B | $5.0B | ||
| Q2 25 | $12.2B | $4.8B | ||
| Q1 25 | $11.8B | $4.7B | ||
| Q4 24 | $11.6B | $4.7B | ||
| Q3 24 | $12.0B | $4.6B | ||
| Q2 24 | $11.6B | $4.4B |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | 1.23× | ||
| Q3 25 | 0.17× | — | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.18× | — | ||
| Q4 24 | 0.19× | 1.26× | ||
| 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 | — | $63.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 3.92× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $187.5M | $63.5M | ||
| Q3 25 | $49.5M | $77.3M | ||
| Q2 25 | $30.4M | $60.8M | ||
| Q1 25 | $55.9M | $43.2M | ||
| Q4 24 | $129.5M | $41.5M | ||
| Q3 24 | $53.6M | $53.5M | ||
| Q2 24 | $22.7M | $49.3M |
| Q1 26 | — | — | ||
| Q4 25 | $171.5M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $113.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 124.3% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 94.6% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 12.9% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.18× | 3.92× | ||
| Q3 25 | 1.20× | 1.71× | ||
| Q2 25 | 0.91× | 2.47× | ||
| Q1 25 | 1.71× | 2.61× | ||
| Q4 24 | 3.61× | 1.81× | ||
| Q3 24 | 1.67× | 1.39× | ||
| Q2 24 | 0.61× | 2.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FCF
Segment breakdown not available.
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
