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Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
CPI Card Group Inc. is the larger business by last-quarter revenue ($153.1M vs $133.7M, roughly 1.1× FIRST COMMONWEALTH FINANCIAL CORP). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs 4.8%, a 23.3% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 13.0%). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% 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.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
FCF vs PMTS — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $153.1M |
| Net Profit | $37.5M | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | — | 12.0% |
| Net Margin | 28.1% | 4.8% |
| Revenue YoY | 13.0% | 22.3% |
| Net Profit YoY | 14.8% | 8.5% |
| EPS (diluted) | $0.37 | $0.62 |
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 | $153.1M | ||
| Q3 25 | $136.0M | $138.0M | ||
| Q2 25 | $131.0M | $129.8M | ||
| Q1 25 | $118.0M | $122.8M | ||
| Q4 24 | $120.4M | $125.1M | ||
| Q3 24 | $121.2M | $124.8M | ||
| Q2 24 | $120.2M | $118.8M |
| Q1 26 | $37.5M | — | ||
| Q4 25 | $44.9M | $7.3M | ||
| Q3 25 | $41.3M | $2.3M | ||
| Q2 25 | $33.4M | $518.0K | ||
| Q1 25 | $32.7M | $4.8M | ||
| Q4 24 | $35.8M | $6.8M | ||
| Q3 24 | $32.1M | $1.3M | ||
| Q2 24 | $37.1M | $6.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% |
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | 12.0% | ||
| Q3 25 | 38.1% | 9.4% | ||
| Q2 25 | 32.1% | 7.3% | ||
| Q1 25 | 34.8% | 11.5% | ||
| Q4 24 | 37.1% | 12.7% | ||
| Q3 24 | 33.4% | 14.3% | ||
| Q2 24 | 38.7% | 12.5% |
| Q1 26 | 28.1% | — | ||
| Q4 25 | 32.5% | 4.8% | ||
| Q3 25 | 30.4% | 1.7% | ||
| Q2 25 | 25.5% | 0.4% | ||
| Q1 25 | 27.7% | 3.9% | ||
| Q4 24 | 29.8% | 5.4% | ||
| Q3 24 | 26.5% | 1.0% | ||
| Q2 24 | 30.9% | 5.1% |
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.44 | $0.62 | ||
| Q3 25 | $0.39 | $0.19 | ||
| Q2 25 | $0.32 | $0.04 | ||
| Q1 25 | $0.32 | $0.40 | ||
| Q4 24 | $0.35 | $0.56 | ||
| Q3 24 | $0.31 | $0.11 | ||
| Q2 24 | $0.36 | $0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $21.7M |
| Total DebtLower is stronger | $154.9M | $286.7M |
| Stockholders' EquityBook value | $1.6B | $-17.3M |
| Total Assets | $12.3B | $403.2M |
| Debt / EquityLower = less leverage | 0.10× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $21.7M | ||
| Q3 25 | — | $16.0M | ||
| Q2 25 | — | $17.1M | ||
| Q1 25 | — | $31.5M | ||
| Q4 24 | — | $33.5M | ||
| Q3 24 | — | $14.7M | ||
| Q2 24 | — | $7.5M |
| Q1 26 | $154.9M | — | ||
| Q4 25 | $261.7M | $286.7M | ||
| Q3 25 | $262.1M | $308.4M | ||
| Q2 25 | $262.4M | $310.9M | ||
| Q1 25 | $262.7M | $280.7M | ||
| Q4 24 | $263.0M | $280.4M | ||
| Q3 24 | $136.3M | $280.2M | ||
| Q2 24 | $136.6M | $269.7M |
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $-17.3M | ||
| Q3 25 | $1.5B | $-25.7M | ||
| Q2 25 | $1.5B | $-29.0M | ||
| Q1 25 | $1.4B | $-29.7M | ||
| Q4 24 | $1.4B | $-35.6M | ||
| Q3 24 | $1.4B | $-42.8M | ||
| Q2 24 | $1.4B | $-44.6M |
| Q1 26 | $12.3B | — | ||
| Q4 25 | $12.3B | $403.2M | ||
| Q3 25 | $12.3B | $407.1M | ||
| Q2 25 | $12.2B | $399.8M | ||
| Q1 25 | $11.8B | $351.9M | ||
| Q4 24 | $11.6B | $349.7M | ||
| Q3 24 | $12.0B | $342.3M | ||
| Q2 24 | $11.6B | $321.4M |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | — | ||
| Q3 25 | 0.17× | — | ||
| Q2 25 | 0.17× | — | ||
| 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 | — | $39.6M |
| Free Cash FlowOCF − Capex | — | $35.2M |
| FCF MarginFCF / Revenue | — | 23.0% |
| Capex IntensityCapex / Revenue | — | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | — | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $187.5M | $39.6M | ||
| Q3 25 | $49.5M | $10.0M | ||
| Q2 25 | $30.4M | $4.3M | ||
| Q1 25 | $55.9M | $5.6M | ||
| Q4 24 | $129.5M | $26.7M | ||
| Q3 24 | $53.6M | $12.5M | ||
| Q2 24 | $22.7M | $-4.8M |
| Q1 26 | — | — | ||
| Q4 25 | $171.5M | $35.2M | ||
| Q3 25 | — | $5.3M | ||
| Q2 25 | — | $533.0K | ||
| Q1 25 | — | $292.0K | ||
| Q4 24 | $113.9M | $21.6M | ||
| Q3 24 | — | $11.1M | ||
| Q2 24 | — | $-6.0M |
| Q1 26 | — | — | ||
| Q4 25 | 124.3% | 23.0% | ||
| Q3 25 | — | 3.8% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | 94.6% | 17.3% | ||
| Q3 24 | — | 8.9% | ||
| Q2 24 | — | -5.0% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 2.9% | ||
| Q3 25 | — | 3.4% | ||
| Q2 25 | — | 2.9% | ||
| Q1 25 | — | 4.3% | ||
| Q4 24 | 12.9% | 4.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 1.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.18× | 5.39× | ||
| Q3 25 | 1.20× | 4.32× | ||
| Q2 25 | 0.91× | 8.39× | ||
| Q1 25 | 1.71× | 1.17× | ||
| Q4 24 | 3.61× | 3.94× | ||
| Q3 24 | 1.67× | 9.70× | ||
| Q2 24 | 0.61× | -0.79× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FCF
Segment breakdown not available.
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
