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Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and Repay Holdings Corp (RPAY). 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 $78.6M, roughly 1.7× Repay Holdings Corp). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs -178.3%, a 206.4% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs 0.4%). Over the past eight quarters, FIRST COMMONWEALTH FINANCIAL CORP's revenue compounded faster (5.5% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
FCF vs RPAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $78.6M |
| Net Profit | $37.5M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | 28.1% | -178.3% |
| Revenue YoY | 13.0% | 0.4% |
| Net Profit YoY | 14.8% | -3304.1% |
| EPS (diluted) | $0.37 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $136.0M | $77.7M | ||
| Q2 25 | $131.0M | $75.6M | ||
| Q1 25 | $118.0M | $77.3M | ||
| Q4 24 | $120.4M | $78.3M | ||
| Q3 24 | $121.2M | $79.1M | ||
| Q2 24 | $120.2M | $74.9M |
| Q1 26 | $37.5M | — | ||
| Q4 25 | $44.9M | $-140.1M | ||
| Q3 25 | $41.3M | $-6.4M | ||
| Q2 25 | $33.4M | $-102.3M | ||
| Q1 25 | $32.7M | $-7.9M | ||
| Q4 24 | $35.8M | $-4.1M | ||
| Q3 24 | $32.1M | $3.2M | ||
| Q2 24 | $37.1M | $-4.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | -182.2% | ||
| Q3 25 | 38.1% | -3.9% | ||
| Q2 25 | 32.1% | -138.7% | ||
| Q1 25 | 34.8% | -4.7% | ||
| Q4 24 | 37.1% | -1.5% | ||
| Q3 24 | 33.4% | -0.9% | ||
| Q2 24 | 38.7% | -4.6% |
| Q1 26 | 28.1% | — | ||
| Q4 25 | 32.5% | -178.3% | ||
| Q3 25 | 30.4% | -8.3% | ||
| Q2 25 | 25.5% | -135.2% | ||
| Q1 25 | 27.7% | -10.3% | ||
| Q4 24 | 29.8% | -5.3% | ||
| Q3 24 | 26.5% | 4.1% | ||
| Q2 24 | 30.9% | -5.4% |
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.44 | $-1.68 | ||
| Q3 25 | $0.39 | $-0.08 | ||
| Q2 25 | $0.32 | $-1.15 | ||
| Q1 25 | $0.32 | $-0.09 | ||
| Q4 24 | $0.35 | $-0.04 | ||
| Q3 24 | $0.31 | $0.03 | ||
| Q2 24 | $0.36 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | $154.9M | $280.1M |
| Stockholders' EquityBook value | $1.6B | $484.4M |
| Total Assets | $12.3B | $1.2B |
| Debt / EquityLower = less leverage | 0.10× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M |
| Q1 26 | $154.9M | — | ||
| Q4 25 | $261.7M | $280.1M | ||
| Q3 25 | $262.1M | $279.5M | ||
| Q2 25 | $262.4M | $279.0M | ||
| Q1 25 | $262.7M | $497.6M | ||
| Q4 24 | $263.0M | $496.8M | ||
| Q3 24 | $136.3M | $496.2M | ||
| Q2 24 | $136.6M | $435.6M |
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $484.4M | ||
| Q3 25 | $1.5B | $616.9M | ||
| Q2 25 | $1.5B | $633.7M | ||
| Q1 25 | $1.4B | $755.7M | ||
| Q4 24 | $1.4B | $761.3M | ||
| Q3 24 | $1.4B | $754.7M | ||
| Q2 24 | $1.4B | $815.4M |
| Q1 26 | $12.3B | — | ||
| Q4 25 | $12.3B | $1.2B | ||
| Q3 25 | $12.3B | $1.3B | ||
| Q2 25 | $12.2B | $1.4B | ||
| Q1 25 | $11.8B | $1.5B | ||
| Q4 24 | $11.6B | $1.6B | ||
| Q3 24 | $12.0B | $1.6B | ||
| Q2 24 | $11.6B | $1.5B |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | 0.58× | ||
| Q3 25 | 0.17× | 0.45× | ||
| Q2 25 | 0.17× | 0.44× | ||
| Q1 25 | 0.18× | 0.66× | ||
| Q4 24 | 0.19× | 0.65× | ||
| Q3 24 | 0.10× | 0.66× | ||
| Q2 24 | 0.10× | 0.53× |
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 | — | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $187.5M | $23.3M | ||
| Q3 25 | $49.5M | $32.2M | ||
| Q2 25 | $30.4M | $33.1M | ||
| Q1 25 | $55.9M | $2.5M | ||
| Q4 24 | $129.5M | $34.3M | ||
| Q3 24 | $53.6M | $60.1M | ||
| Q2 24 | $22.7M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $171.5M | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | $113.9M | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | 124.3% | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | 94.6% | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | 12.9% | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% |
| 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× | 18.52× | ||
| 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.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
