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Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and PAMT CORP (PAMT). Click either name above to swap in a different company.
PAMT CORP is the larger business by last-quarter revenue ($141.3M vs $133.7M, roughly 1.1× FIRST COMMONWEALTH FINANCIAL CORP). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs -20.7%, a 48.8% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs -15.1%). Over the past eight quarters, FIRST COMMONWEALTH FINANCIAL CORP's revenue compounded faster (5.5% CAGR vs -12.0%).
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 PAMT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $141.3M |
| Net Profit | $37.5M | $-29.3M |
| Gross Margin | — | — |
| Operating Margin | — | -27.0% |
| Net Margin | 28.1% | -20.7% |
| Revenue YoY | 13.0% | -15.1% |
| Net Profit YoY | 14.8% | 7.4% |
| EPS (diluted) | $0.37 | $-1.38 |
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 | $141.3M | ||
| Q3 25 | $136.0M | $150.3M | ||
| Q2 25 | $131.0M | $151.1M | ||
| Q1 25 | $118.0M | $155.3M | ||
| Q4 24 | $120.4M | $166.5M | ||
| Q3 24 | $121.2M | $182.6M | ||
| Q2 24 | $120.2M | $182.9M |
| Q1 26 | $37.5M | — | ||
| Q4 25 | $44.9M | $-29.3M | ||
| Q3 25 | $41.3M | $-5.6M | ||
| Q2 25 | $33.4M | $-9.6M | ||
| Q1 25 | $32.7M | $-8.1M | ||
| Q4 24 | $35.8M | $-31.6M | ||
| Q3 24 | $32.1M | $2.4M | ||
| Q2 24 | $37.1M | $-2.9M |
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | -27.0% | ||
| Q3 25 | 38.1% | -3.8% | ||
| Q2 25 | 32.1% | -7.3% | ||
| Q1 25 | 34.8% | -5.9% | ||
| Q4 24 | 37.1% | -22.6% | ||
| Q3 24 | 33.4% | 1.3% | ||
| Q2 24 | 38.7% | -0.4% |
| Q1 26 | 28.1% | — | ||
| Q4 25 | 32.5% | -20.7% | ||
| Q3 25 | 30.4% | -3.7% | ||
| Q2 25 | 25.5% | -6.4% | ||
| Q1 25 | 27.7% | -5.2% | ||
| Q4 24 | 29.8% | -19.0% | ||
| Q3 24 | 26.5% | 1.3% | ||
| Q2 24 | 30.9% | -1.6% |
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.44 | $-1.38 | ||
| Q3 25 | $0.39 | $-0.27 | ||
| Q2 25 | $0.32 | $-0.46 | ||
| Q1 25 | $0.32 | $-0.37 | ||
| Q4 24 | $0.35 | $-1.44 | ||
| Q3 24 | $0.31 | $0.11 | ||
| Q2 24 | $0.36 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $83.7M |
| Total DebtLower is stronger | $154.9M | $333.9M |
| Stockholders' EquityBook value | $1.6B | $210.5M |
| Total Assets | $12.3B | $697.9M |
| Debt / EquityLower = less leverage | 0.10× | 1.59× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $83.7M | ||
| Q3 25 | — | $115.6M | ||
| Q2 25 | — | $117.3M | ||
| Q1 25 | — | $102.7M | ||
| Q4 24 | — | $110.7M | ||
| Q3 24 | — | $92.3M | ||
| Q2 24 | — | $114.0M |
| Q1 26 | $154.9M | — | ||
| Q4 25 | $261.7M | $333.9M | ||
| Q3 25 | $262.1M | — | ||
| Q2 25 | $262.4M | — | ||
| Q1 25 | $262.7M | — | ||
| Q4 24 | $263.0M | $325.6M | ||
| Q3 24 | $136.3M | — | ||
| Q2 24 | $136.6M | — |
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $210.5M | ||
| Q3 25 | $1.5B | $239.5M | ||
| Q2 25 | $1.5B | $244.9M | ||
| Q1 25 | $1.4B | $269.6M | ||
| Q4 24 | $1.4B | $277.5M | ||
| Q3 24 | $1.4B | $308.9M | ||
| Q2 24 | $1.4B | $306.7M |
| Q1 26 | $12.3B | — | ||
| Q4 25 | $12.3B | $697.9M | ||
| Q3 25 | $12.3B | $715.2M | ||
| Q2 25 | $12.2B | $707.9M | ||
| Q1 25 | $11.8B | $712.6M | ||
| Q4 24 | $11.6B | $741.7M | ||
| Q3 24 | $12.0B | $756.7M | ||
| Q2 24 | $11.6B | $733.5M |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | 1.59× | ||
| Q3 25 | 0.17× | — | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.18× | — | ||
| Q4 24 | 0.19× | 1.17× | ||
| 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 | — | $-5.8M |
| Free Cash FlowOCF − Capex | — | $-25.0M |
| FCF MarginFCF / Revenue | — | -17.7% |
| Capex IntensityCapex / Revenue | — | 13.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-23.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $187.5M | $-5.8M | ||
| Q3 25 | $49.5M | $5.9M | ||
| Q2 25 | $30.4M | $12.2M | ||
| Q1 25 | $55.9M | $5.0M | ||
| Q4 24 | $129.5M | $15.2M | ||
| Q3 24 | $53.6M | $15.5M | ||
| Q2 24 | $22.7M | $18.7M |
| Q1 26 | — | — | ||
| Q4 25 | $171.5M | $-25.0M | ||
| Q3 25 | — | $2.5M | ||
| Q2 25 | — | $5.9M | ||
| Q1 25 | — | $-6.8M | ||
| Q4 24 | $113.9M | $-39.9M | ||
| Q3 24 | — | $-33.6M | ||
| Q2 24 | — | $4.1M |
| Q1 26 | — | — | ||
| Q4 25 | 124.3% | -17.7% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | -4.4% | ||
| Q4 24 | 94.6% | -24.0% | ||
| Q3 24 | — | -18.4% | ||
| Q2 24 | — | 2.2% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 13.6% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 4.2% | ||
| Q1 25 | — | 7.6% | ||
| Q4 24 | 12.9% | 33.1% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 8.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.18× | — | ||
| Q3 25 | 1.20× | — | ||
| Q2 25 | 0.91× | — | ||
| Q1 25 | 1.71× | — | ||
| Q4 24 | 3.61× | — | ||
| Q3 24 | 1.67× | 6.44× | ||
| Q2 24 | 0.61× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FCF
Segment breakdown not available.
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
