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Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and Phreesia, Inc. (PHR). 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 $120.3M, roughly 1.1× Phreesia, Inc.). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs 3.5%, a 24.5% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs 12.7%).
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.
Phreesia, Inc. is a software as a service company that offers healthcare organizations a set of applications to automate and manage patient intake.
FCF vs PHR — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $120.3M |
| Net Profit | $37.5M | $4.3M |
| Gross Margin | — | — |
| Operating Margin | — | 3.1% |
| Net Margin | 28.1% | 3.5% |
| Revenue YoY | 13.0% | 12.7% |
| Net Profit YoY | 14.8% | 129.7% |
| EPS (diluted) | $0.37 | $0.07 |
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 | $120.3M | ||
| Q3 25 | $136.0M | $117.3M | ||
| Q2 25 | $131.0M | $115.9M | ||
| Q1 25 | $118.0M | — | ||
| Q4 24 | $120.4M | — | ||
| Q3 24 | $121.2M | — | ||
| Q2 24 | $120.2M | — |
| Q1 26 | $37.5M | — | ||
| Q4 25 | $44.9M | $4.3M | ||
| Q3 25 | $41.3M | $654.0K | ||
| Q2 25 | $33.4M | $-3.9M | ||
| Q1 25 | $32.7M | — | ||
| Q4 24 | $35.8M | — | ||
| Q3 24 | $32.1M | — | ||
| Q2 24 | $37.1M | — |
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | 3.1% | ||
| Q3 25 | 38.1% | -1.3% | ||
| Q2 25 | 32.1% | -2.8% | ||
| Q1 25 | 34.8% | — | ||
| Q4 24 | 37.1% | — | ||
| Q3 24 | 33.4% | — | ||
| Q2 24 | 38.7% | — |
| Q1 26 | 28.1% | — | ||
| Q4 25 | 32.5% | 3.5% | ||
| Q3 25 | 30.4% | 0.6% | ||
| Q2 25 | 25.5% | -3.4% | ||
| Q1 25 | 27.7% | — | ||
| Q4 24 | 29.8% | — | ||
| Q3 24 | 26.5% | — | ||
| Q2 24 | 30.9% | — |
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.44 | $0.07 | ||
| Q3 25 | $0.39 | $0.01 | ||
| Q2 25 | $0.32 | $-0.07 | ||
| Q1 25 | $0.32 | — | ||
| Q4 24 | $0.35 | — | ||
| Q3 24 | $0.31 | — | ||
| Q2 24 | $0.36 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $106.4M |
| Total DebtLower is stronger | $154.9M | $3.4M |
| Stockholders' EquityBook value | $1.6B | $320.3M |
| Total Assets | $12.3B | $423.5M |
| Debt / EquityLower = less leverage | 0.10× | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $106.4M | ||
| Q3 25 | — | $98.3M | ||
| Q2 25 | — | $90.9M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $154.9M | — | ||
| Q4 25 | $261.7M | $3.4M | ||
| Q3 25 | $262.1M | $4.6M | ||
| Q2 25 | $262.4M | $6.2M | ||
| Q1 25 | $262.7M | — | ||
| Q4 24 | $263.0M | — | ||
| Q3 24 | $136.3M | — | ||
| Q2 24 | $136.6M | — |
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $320.3M | ||
| Q3 25 | $1.5B | $298.0M | ||
| Q2 25 | $1.5B | $282.2M | ||
| Q1 25 | $1.4B | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — |
| Q1 26 | $12.3B | — | ||
| Q4 25 | $12.3B | $423.5M | ||
| Q3 25 | $12.3B | $408.6M | ||
| Q2 25 | $12.2B | $400.4M | ||
| Q1 25 | $11.8B | — | ||
| Q4 24 | $11.6B | — | ||
| Q3 24 | $12.0B | — | ||
| Q2 24 | $11.6B | — |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | 0.01× | ||
| Q3 25 | 0.17× | 0.02× | ||
| Q2 25 | 0.17× | 0.02× | ||
| Q1 25 | 0.18× | — | ||
| Q4 24 | 0.19× | — | ||
| 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 | — | $15.5M |
| Free Cash FlowOCF − Capex | — | $12.2M |
| FCF MarginFCF / Revenue | — | 10.1% |
| Capex IntensityCapex / Revenue | — | 2.7% |
| Cash ConversionOCF / Net Profit | — | 3.62× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $187.5M | $15.5M | ||
| Q3 25 | $49.5M | $14.8M | ||
| Q2 25 | $30.4M | $14.8M | ||
| Q1 25 | $55.9M | — | ||
| Q4 24 | $129.5M | — | ||
| Q3 24 | $53.6M | — | ||
| Q2 24 | $22.7M | — |
| Q1 26 | — | — | ||
| Q4 25 | $171.5M | $12.2M | ||
| Q3 25 | — | $13.1M | ||
| Q2 25 | — | $11.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | $113.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 124.3% | 10.1% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 9.8% | ||
| Q1 25 | — | — | ||
| Q4 24 | 94.6% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 2.7% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 3.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | 12.9% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.18× | 3.62× | ||
| Q3 25 | 1.20× | 22.68× | ||
| Q2 25 | 0.91× | — | ||
| Q1 25 | 1.71× | — | ||
| Q4 24 | 3.61× | — | ||
| Q3 24 | 1.67× | — | ||
| 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.
PHR
| Subscription And Services | $55.5M | 46% |
| Network Solutions | $37.4M | 31% |
| Payment Processing Fees | $27.4M | 23% |
