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Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and Loar Holdings Inc. (LOAR). 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 $131.8M, roughly 1.0× Loar Holdings Inc.). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs 9.5%, a 18.6% gap on every dollar of revenue. On growth, Loar Holdings Inc. posted the faster year-over-year revenue change (19.3% vs 13.0%). Over the past eight quarters, Loar Holdings Inc.'s revenue compounded faster (19.8% 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.
FCF vs LOAR — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $131.8M |
| Net Profit | $37.5M | $12.5M |
| Gross Margin | — | 52.1% |
| Operating Margin | — | 18.0% |
| Net Margin | 28.1% | 9.5% |
| Revenue YoY | 13.0% | 19.3% |
| Net Profit YoY | 14.8% | 239.5% |
| EPS (diluted) | $0.37 | $0.13 |
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 | $131.8M | ||
| Q3 25 | $136.0M | $126.8M | ||
| Q2 25 | $131.0M | $123.1M | ||
| Q1 25 | $118.0M | $114.7M | ||
| Q4 24 | $120.4M | $110.4M | ||
| Q3 24 | $121.2M | $103.5M | ||
| Q2 24 | $120.2M | $97.0M |
| Q1 26 | $37.5M | — | ||
| Q4 25 | $44.9M | $12.5M | ||
| Q3 25 | $41.3M | $27.6M | ||
| Q2 25 | $33.4M | $16.7M | ||
| Q1 25 | $32.7M | $15.3M | ||
| Q4 24 | $35.8M | $3.7M | ||
| Q3 24 | $32.1M | $8.7M | ||
| Q2 24 | $37.1M | $7.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | 52.1% | ||
| Q3 25 | — | 52.7% | ||
| Q2 25 | — | 53.8% | ||
| Q1 25 | — | 52.1% | ||
| Q4 24 | — | 48.9% | ||
| Q3 24 | — | 51.1% | ||
| Q2 24 | — | 49.0% |
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | 18.0% | ||
| Q3 25 | 38.1% | 22.9% | ||
| Q2 25 | 32.1% | 22.2% | ||
| Q1 25 | 34.8% | 22.8% | ||
| Q4 24 | 37.1% | 19.2% | ||
| Q3 24 | 33.4% | 22.1% | ||
| Q2 24 | 38.7% | 22.9% |
| Q1 26 | 28.1% | — | ||
| Q4 25 | 32.5% | 9.5% | ||
| Q3 25 | 30.4% | 21.8% | ||
| Q2 25 | 25.5% | 13.6% | ||
| Q1 25 | 27.7% | 13.4% | ||
| Q4 24 | 29.8% | 3.3% | ||
| Q3 24 | 26.5% | 8.4% | ||
| Q2 24 | 30.9% | 7.9% |
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.44 | $0.13 | ||
| Q3 25 | $0.39 | $0.29 | ||
| Q2 25 | $0.32 | $0.17 | ||
| Q1 25 | $0.32 | $0.16 | ||
| Q4 24 | $0.35 | $-11023.48 | ||
| Q3 24 | $0.31 | $0.09 | ||
| Q2 24 | $0.36 | $0.09 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $84.8M |
| Total DebtLower is stronger | $154.9M | $715.7M |
| Stockholders' EquityBook value | $1.6B | $1.2B |
| Total Assets | $12.3B | $2.0B |
| Debt / EquityLower = less leverage | 0.10× | 0.61× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $84.8M | ||
| Q3 25 | — | $99.0M | ||
| Q2 25 | — | $103.3M | ||
| Q1 25 | — | $80.5M | ||
| Q4 24 | — | $54.1M | ||
| Q3 24 | — | $55.2M | ||
| Q2 24 | — | $73.2M |
| Q1 26 | $154.9M | — | ||
| Q4 25 | $261.7M | $715.7M | ||
| Q3 25 | $262.1M | $279.4M | ||
| Q2 25 | $262.4M | $277.7M | ||
| Q1 25 | $262.7M | $277.5M | ||
| Q4 24 | $263.0M | $277.3M | ||
| Q3 24 | $136.3M | $602.1M | ||
| Q2 24 | $136.6M | $250.7M |
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $1.2B | ||
| Q3 25 | $1.5B | $1.2B | ||
| Q2 25 | $1.5B | $1.1B | ||
| Q1 25 | $1.4B | $1.1B | ||
| Q4 24 | $1.4B | $1.1B | ||
| Q3 24 | $1.4B | $769.8M | ||
| Q2 24 | $1.4B | $758.4M |
| Q1 26 | $12.3B | — | ||
| Q4 25 | $12.3B | $2.0B | ||
| Q3 25 | $12.3B | $1.5B | ||
| Q2 25 | $12.2B | $1.5B | ||
| Q1 25 | $11.8B | $1.5B | ||
| Q4 24 | $11.6B | $1.5B | ||
| Q3 24 | $12.0B | $1.5B | ||
| Q2 24 | $11.6B | $1.1B |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | 0.61× | ||
| Q3 25 | 0.17× | 0.24× | ||
| Q2 25 | 0.17× | 0.25× | ||
| Q1 25 | 0.18× | 0.25× | ||
| Q4 24 | 0.19× | 0.25× | ||
| Q3 24 | 0.10× | 0.78× | ||
| Q2 24 | 0.10× | 0.33× |
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 | — | $30.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 2.43× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $187.5M | $30.4M | ||
| Q3 25 | $49.5M | $29.7M | ||
| Q2 25 | $30.4M | $23.8M | ||
| Q1 25 | $55.9M | $28.4M | ||
| Q4 24 | $129.5M | $20.7M | ||
| Q3 24 | $53.6M | $16.3M | ||
| Q2 24 | $22.7M | $7.1M |
| 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× | 2.43× | ||
| Q3 25 | 1.20× | 1.08× | ||
| Q2 25 | 0.91× | 1.42× | ||
| Q1 25 | 1.71× | 1.85× | ||
| Q4 24 | 3.61× | 5.62× | ||
| Q3 24 | 1.67× | 1.89× | ||
| Q2 24 | 0.61× | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FCF
Segment breakdown not available.
LOAR
| Other | $76.8M | 58% |
| Commercial Aerospace | $21.2M | 16% |
| Business Jet And General Aviation | $17.6M | 13% |
| Defense | $16.2M | 12% |
