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Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and ONESPAWORLD HOLDINGS Ltd (OSW). Click either name above to swap in a different company.
ONESPAWORLD HOLDINGS Ltd is the larger business by last-quarter revenue ($242.1M vs $133.7M, roughly 1.8× FIRST COMMONWEALTH FINANCIAL CORP). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs 5.0%, a 23.1% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs 11.5%). Over the past eight quarters, ONESPAWORLD HOLDINGS Ltd's revenue compounded faster (7.1% 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 OSW — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $242.1M |
| Net Profit | $37.5M | $12.1M |
| Gross Margin | — | — |
| Operating Margin | — | 6.8% |
| Net Margin | 28.1% | 5.0% |
| Revenue YoY | 13.0% | 11.5% |
| Net Profit YoY | 14.8% | -16.2% |
| EPS (diluted) | $0.37 | $0.12 |
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 | $242.1M | ||
| Q3 25 | $136.0M | $258.5M | ||
| Q2 25 | $131.0M | $240.7M | ||
| Q1 25 | $118.0M | $219.6M | ||
| Q4 24 | $120.4M | $217.2M | ||
| Q3 24 | $121.2M | $241.7M | ||
| Q2 24 | $120.2M | $224.9M |
| Q1 26 | $37.5M | — | ||
| Q4 25 | $44.9M | $12.1M | ||
| Q3 25 | $41.3M | $24.3M | ||
| Q2 25 | $33.4M | $19.9M | ||
| Q1 25 | $32.7M | $15.3M | ||
| Q4 24 | $35.8M | $14.4M | ||
| Q3 24 | $32.1M | $21.6M | ||
| Q2 24 | $37.1M | $15.8M |
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | 6.8% | ||
| Q3 25 | 38.1% | 10.2% | ||
| Q2 25 | 32.1% | 9.2% | ||
| Q1 25 | 34.8% | 7.7% | ||
| Q4 24 | 37.1% | 7.9% | ||
| Q3 24 | 33.4% | 10.3% | ||
| Q2 24 | 38.7% | 8.4% |
| Q1 26 | 28.1% | — | ||
| Q4 25 | 32.5% | 5.0% | ||
| Q3 25 | 30.4% | 9.4% | ||
| Q2 25 | 25.5% | 8.3% | ||
| Q1 25 | 27.7% | 7.0% | ||
| Q4 24 | 29.8% | 6.6% | ||
| Q3 24 | 26.5% | 8.9% | ||
| Q2 24 | 30.9% | 7.0% |
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.44 | $0.12 | ||
| Q3 25 | $0.39 | $0.23 | ||
| Q2 25 | $0.32 | $0.19 | ||
| Q1 25 | $0.32 | $0.15 | ||
| Q4 24 | $0.35 | $0.13 | ||
| Q3 24 | $0.31 | $0.20 | ||
| Q2 24 | $0.36 | $0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $16.3M |
| Total DebtLower is stronger | $154.9M | $84.0M |
| Stockholders' EquityBook value | $1.6B | $542.6M |
| Total Assets | $12.3B | $707.1M |
| Debt / EquityLower = less leverage | 0.10× | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $16.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $35.0M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $57.4M | ||
| Q3 24 | — | $48.8M | ||
| Q2 24 | — | $62.5M |
| Q1 26 | $154.9M | — | ||
| Q4 25 | $261.7M | $84.0M | ||
| Q3 25 | $262.1M | $85.2M | ||
| Q2 25 | $262.4M | $96.2M | ||
| Q1 25 | $262.7M | $97.4M | ||
| Q4 24 | $263.0M | $98.6M | ||
| Q3 24 | $136.3M | $98.7M | ||
| Q2 24 | $136.6M | $123.8M |
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $542.6M | ||
| Q3 25 | $1.5B | $552.8M | ||
| Q2 25 | $1.5B | $548.3M | ||
| Q1 25 | $1.4B | $530.6M | ||
| Q4 24 | $1.4B | $554.5M | ||
| Q3 24 | $1.4B | $540.1M | ||
| Q2 24 | $1.4B | $532.7M |
| Q1 26 | $12.3B | — | ||
| Q4 25 | $12.3B | $707.1M | ||
| Q3 25 | $12.3B | $732.6M | ||
| Q2 25 | $12.2B | $731.8M | ||
| Q1 25 | $11.8B | $708.7M | ||
| Q4 24 | $11.6B | $746.4M | ||
| Q3 24 | $12.0B | $734.0M | ||
| Q2 24 | $11.6B | $756.8M |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | 0.15× | ||
| Q3 25 | 0.17× | 0.15× | ||
| Q2 25 | 0.17× | 0.18× | ||
| Q1 25 | 0.18× | 0.18× | ||
| Q4 24 | 0.19× | 0.18× | ||
| Q3 24 | 0.10× | 0.18× | ||
| Q2 24 | 0.10× | 0.23× |
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 | — | $20.0M |
| Free Cash FlowOCF − Capex | — | $14.9M |
| FCF MarginFCF / Revenue | — | 6.2% |
| Capex IntensityCapex / Revenue | — | 2.1% |
| Cash ConversionOCF / Net Profit | — | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $187.5M | $20.0M | ||
| Q3 25 | $49.5M | $33.2M | ||
| Q2 25 | $30.4M | $20.3M | ||
| Q1 25 | $55.9M | $10.1M | ||
| Q4 24 | $129.5M | $16.6M | ||
| Q3 24 | $53.6M | $28.6M | ||
| Q2 24 | $22.7M | $18.7M |
| Q1 26 | — | — | ||
| Q4 25 | $171.5M | $14.9M | ||
| Q3 25 | — | $27.6M | ||
| Q2 25 | — | $17.6M | ||
| Q1 25 | — | $8.4M | ||
| Q4 24 | $113.9M | $13.2M | ||
| Q3 24 | — | $27.5M | ||
| Q2 24 | — | $17.6M |
| Q1 26 | — | — | ||
| Q4 25 | 124.3% | 6.2% | ||
| Q3 25 | — | 10.7% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | 94.6% | 6.1% | ||
| Q3 24 | — | 11.4% | ||
| Q2 24 | — | 7.8% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 2.1% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | 12.9% | 1.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.5% |
| Q1 26 | — | — | ||
| Q4 25 | 4.18× | 1.65× | ||
| Q3 25 | 1.20× | 1.36× | ||
| Q2 25 | 0.91× | 1.02× | ||
| Q1 25 | 1.71× | 0.66× | ||
| Q4 24 | 3.61× | 1.15× | ||
| Q3 24 | 1.67× | 1.33× | ||
| Q2 24 | 0.61× | 1.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FCF
Segment breakdown not available.
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
