vs
Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and Ramaco Resources, Inc. (METC). 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 $121.0M, roughly 1.1× Ramaco Resources, Inc.). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs -11.0%, a 39.1% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs -27.7%). Over the past eight quarters, FIRST COMMONWEALTH FINANCIAL CORP's revenue compounded faster (5.5% CAGR vs -22.7%).
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.
Ramaco Resources, Inc. is a U.S.-based mining company focused on high-grade metallurgical coal production. It operates mining assets across the Appalachian region, supplying products to global steel manufacturing and industrial clients, with core operations centered on sustainable low-cost metallurgical coal extraction and distribution.
FCF vs METC — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $121.0M |
| Net Profit | $37.5M | $-13.3M |
| Gross Margin | — | 15.8% |
| Operating Margin | — | -12.0% |
| Net Margin | 28.1% | -11.0% |
| Revenue YoY | 13.0% | -27.7% |
| Net Profit YoY | 14.8% | -5468.2% |
| EPS (diluted) | $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 | $137.9M | — | ||
| Q3 25 | $136.0M | $121.0M | ||
| Q2 25 | $131.0M | $153.0M | ||
| Q1 25 | $118.0M | $134.7M | ||
| Q4 24 | $120.4M | $170.9M | ||
| Q3 24 | $121.2M | $167.4M | ||
| Q2 24 | $120.2M | $155.3M |
| Q1 26 | $37.5M | — | ||
| Q4 25 | $44.9M | — | ||
| Q3 25 | $41.3M | $-13.3M | ||
| Q2 25 | $33.4M | $-14.0M | ||
| Q1 25 | $32.7M | $-9.5M | ||
| Q4 24 | $35.8M | $3.9M | ||
| Q3 24 | $32.1M | $-239.0K | ||
| Q2 24 | $37.1M | $5.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 15.8% | ||
| Q2 25 | — | 12.3% | ||
| Q1 25 | — | 15.2% | ||
| Q4 24 | — | 20.4% | ||
| Q3 24 | — | 19.5% | ||
| Q2 24 | — | 21.0% |
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | — | ||
| Q3 25 | 38.1% | -12.0% | ||
| Q2 25 | 32.1% | -9.1% | ||
| Q1 25 | 34.8% | -8.9% | ||
| Q4 24 | 37.1% | 3.7% | ||
| Q3 24 | 33.4% | 1.0% | ||
| Q2 24 | 38.7% | 3.5% |
| Q1 26 | 28.1% | — | ||
| Q4 25 | 32.5% | — | ||
| Q3 25 | 30.4% | -11.0% | ||
| Q2 25 | 25.5% | -9.1% | ||
| Q1 25 | 27.7% | -7.0% | ||
| Q4 24 | 29.8% | 2.3% | ||
| Q3 24 | 26.5% | -0.1% | ||
| Q2 24 | 30.9% | 3.6% |
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.44 | — | ||
| Q3 25 | $0.39 | — | ||
| Q2 25 | $0.32 | — | ||
| Q1 25 | $0.32 | — | ||
| Q4 24 | $0.35 | $0.06 | ||
| Q3 24 | $0.31 | $-0.03 | ||
| Q2 24 | $0.36 | $0.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $193.8M |
| Total DebtLower is stronger | $154.9M | $116.3M |
| Stockholders' EquityBook value | $1.6B | $526.9M |
| Total Assets | $12.3B | $849.7M |
| Debt / EquityLower = less leverage | 0.10× | 0.22× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $193.8M | ||
| Q2 25 | — | $28.1M | ||
| Q1 25 | — | $43.5M | ||
| Q4 24 | — | $33.0M | ||
| Q3 24 | — | $22.9M | ||
| Q2 24 | — | $27.6M |
| Q1 26 | $154.9M | — | ||
| Q4 25 | $261.7M | — | ||
| Q3 25 | $262.1M | $116.3M | ||
| Q2 25 | $262.4M | — | ||
| Q1 25 | $262.7M | — | ||
| Q4 24 | $263.0M | $88.2M | ||
| Q3 24 | $136.3M | — | ||
| Q2 24 | $136.6M | — |
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | — | ||
| Q3 25 | $1.5B | $526.9M | ||
| Q2 25 | $1.5B | $347.4M | ||
| Q1 25 | $1.4B | $355.2M | ||
| Q4 24 | $1.4B | $362.8M | ||
| Q3 24 | $1.4B | $361.8M | ||
| Q2 24 | $1.4B | $366.1M |
| Q1 26 | $12.3B | — | ||
| Q4 25 | $12.3B | — | ||
| Q3 25 | $12.3B | $849.7M | ||
| Q2 25 | $12.2B | $674.6M | ||
| Q1 25 | $11.8B | $685.7M | ||
| Q4 24 | $11.6B | $674.7M | ||
| Q3 24 | $12.0B | $645.4M | ||
| Q2 24 | $11.6B | $659.2M |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | — | ||
| Q3 25 | 0.17× | 0.22× | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.18× | — | ||
| Q4 24 | 0.19× | 0.24× | ||
| 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 | — | $-1.4M |
| Free Cash FlowOCF − Capex | — | $-17.5M |
| FCF MarginFCF / Revenue | — | -14.5% |
| Capex IntensityCapex / Revenue | — | 13.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-24.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $187.5M | — | ||
| Q3 25 | $49.5M | $-1.4M | ||
| Q2 25 | $30.4M | $-4.3M | ||
| Q1 25 | $55.9M | $26.0M | ||
| Q4 24 | $129.5M | $15.7M | ||
| Q3 24 | $53.6M | $37.4M | ||
| Q2 24 | $22.7M | $34.4M |
| Q1 26 | — | — | ||
| Q4 25 | $171.5M | — | ||
| Q3 25 | — | $-17.5M | ||
| Q2 25 | — | $-19.8M | ||
| Q1 25 | — | $7.6M | ||
| Q4 24 | $113.9M | $5.1M | ||
| Q3 24 | — | $25.6M | ||
| Q2 24 | — | $20.3M |
| Q1 26 | — | — | ||
| Q4 25 | 124.3% | — | ||
| Q3 25 | — | -14.5% | ||
| Q2 25 | — | -13.0% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | 94.6% | 3.0% | ||
| Q3 24 | — | 15.3% | ||
| Q2 24 | — | 13.1% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | — | ||
| Q3 25 | — | 13.3% | ||
| Q2 25 | — | 10.2% | ||
| Q1 25 | — | 13.7% | ||
| Q4 24 | 12.9% | 6.2% | ||
| Q3 24 | — | 7.0% | ||
| Q2 24 | — | 9.1% |
| Q1 26 | — | — | ||
| Q4 25 | 4.18× | — | ||
| Q3 25 | 1.20× | — | ||
| Q2 25 | 0.91× | — | ||
| Q1 25 | 1.71× | — | ||
| Q4 24 | 3.61× | 4.06× | ||
| Q3 24 | 1.67× | — | ||
| Q2 24 | 0.61× | 6.21× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FCF
Segment breakdown not available.
METC
| Export Coal Revenues | $73.0M | 60% |
| Domestic Coal Revenues | $48.0M | 40% |
