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Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and Smart Sand, Inc. (SND). 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 $86.0M, roughly 1.6× Smart Sand, Inc.). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs 1.4%, a 26.7% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs -5.8%). Over the past eight quarters, FIRST COMMONWEALTH FINANCIAL CORP's revenue compounded faster (5.5% CAGR vs 1.8%).
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.
Sand 9 is a fabless Micro-electromechanical system (MEMS) company based in Cambridge, Massachusetts. Sand 9 developed a piezoelectric MEMS resonator to serve as an alternative for quartz timing devices in applications such as smart phones, low-power wireless devices, and communications infrastructure equipment.
FCF vs SND — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $86.0M |
| Net Profit | $37.5M | $1.2M |
| Gross Margin | — | 13.0% |
| Operating Margin | — | -3.1% |
| Net Margin | 28.1% | 1.4% |
| Revenue YoY | 13.0% | -5.8% |
| Net Profit YoY | 14.8% | -68.5% |
| EPS (diluted) | $0.37 | $0.03 |
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 | $86.0M | ||
| Q3 25 | $136.0M | $92.8M | ||
| Q2 25 | $131.0M | $85.8M | ||
| Q1 25 | $118.0M | $65.6M | ||
| Q4 24 | $120.4M | $91.4M | ||
| Q3 24 | $121.2M | $63.2M | ||
| Q2 24 | $120.2M | $73.8M |
| Q1 26 | $37.5M | — | ||
| Q4 25 | $44.9M | $1.2M | ||
| Q3 25 | $41.3M | $3.0M | ||
| Q2 25 | $33.4M | $21.4M | ||
| Q1 25 | $32.7M | $-24.2M | ||
| Q4 24 | $35.8M | $3.7M | ||
| Q3 24 | $32.1M | $-98.0K | ||
| Q2 24 | $37.1M | $-430.0K |
| Q1 26 | — | — | ||
| Q4 25 | — | 13.0% | ||
| Q3 25 | — | 16.1% | ||
| Q2 25 | — | 10.4% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 10.3% | ||
| Q2 24 | — | 17.7% |
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | -3.1% | ||
| Q3 25 | 38.1% | 5.8% | ||
| Q2 25 | 32.1% | -0.1% | ||
| Q1 25 | 34.8% | -10.8% | ||
| Q4 24 | 37.1% | 3.9% | ||
| Q3 24 | 33.4% | -7.8% | ||
| Q2 24 | 38.7% | 4.8% |
| Q1 26 | 28.1% | — | ||
| Q4 25 | 32.5% | 1.4% | ||
| Q3 25 | 30.4% | 3.2% | ||
| Q2 25 | 25.5% | 24.9% | ||
| Q1 25 | 27.7% | -37.0% | ||
| Q4 24 | 29.8% | 4.1% | ||
| Q3 24 | 26.5% | -0.2% | ||
| Q2 24 | 30.9% | -0.6% |
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.44 | $0.03 | ||
| Q3 25 | $0.39 | $0.08 | ||
| Q2 25 | $0.32 | $0.54 | ||
| Q1 25 | $0.32 | $-0.62 | ||
| Q4 24 | $0.35 | $0.10 | ||
| Q3 24 | $0.31 | $0.00 | ||
| Q2 24 | $0.36 | $-0.01 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $22.6M |
| Total DebtLower is stronger | $154.9M | $15.0M |
| Stockholders' EquityBook value | $1.6B | $239.7M |
| Total Assets | $12.3B | $340.0M |
| Debt / EquityLower = less leverage | 0.10× | 0.06× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $22.6M | ||
| Q3 25 | — | $5.1M | ||
| Q2 25 | — | $4.3M | ||
| Q1 25 | — | $5.1M | ||
| Q4 24 | — | $1.6M | ||
| Q3 24 | — | $7.2M | ||
| Q2 24 | — | $6.3M |
| Q1 26 | $154.9M | — | ||
| Q4 25 | $261.7M | $15.0M | ||
| Q3 25 | $262.1M | $14.3M | ||
| Q2 25 | $262.4M | $23.5M | ||
| Q1 25 | $262.7M | $13.7M | ||
| Q4 24 | $263.0M | $14.7M | ||
| Q3 24 | $136.3M | $15.7M | ||
| Q2 24 | $136.6M | $17.1M |
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $239.7M | ||
| Q3 25 | $1.5B | $239.9M | ||
| Q2 25 | $1.5B | $240.5M | ||
| Q1 25 | $1.4B | $219.9M | ||
| Q4 24 | $1.4B | $243.8M | ||
| Q3 24 | $1.4B | $243.6M | ||
| Q2 24 | $1.4B | $242.9M |
| Q1 26 | $12.3B | — | ||
| Q4 25 | $12.3B | $340.0M | ||
| Q3 25 | $12.3B | $343.1M | ||
| Q2 25 | $12.2B | $345.8M | ||
| Q1 25 | $11.8B | $326.9M | ||
| Q4 24 | $11.6B | $341.5M | ||
| Q3 24 | $12.0B | $335.8M | ||
| Q2 24 | $11.6B | $341.8M |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | 0.06× | ||
| Q3 25 | 0.17× | 0.06× | ||
| Q2 25 | 0.17× | 0.10× | ||
| Q1 25 | 0.18× | 0.06× | ||
| Q4 24 | 0.19× | 0.06× | ||
| Q3 24 | 0.10× | 0.06× | ||
| Q2 24 | 0.10× | 0.07× |
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 | — | $22.4M |
| Free Cash FlowOCF − Capex | — | $20.4M |
| FCF MarginFCF / Revenue | — | 23.7% |
| Capex IntensityCapex / Revenue | — | 2.3% |
| Cash ConversionOCF / Net Profit | — | 18.99× |
| TTM Free Cash FlowTrailing 4 quarters | — | $32.5M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $187.5M | $22.4M | ||
| Q3 25 | $49.5M | $18.2M | ||
| Q2 25 | $30.4M | $-5.1M | ||
| Q1 25 | $55.9M | $8.7M | ||
| Q4 24 | $129.5M | $1.0M | ||
| Q3 24 | $53.6M | $5.8M | ||
| Q2 24 | $22.7M | $14.9M |
| Q1 26 | — | — | ||
| Q4 25 | $171.5M | $20.4M | ||
| Q3 25 | — | $14.8M | ||
| Q2 25 | — | $-7.8M | ||
| Q1 25 | — | $5.2M | ||
| Q4 24 | $113.9M | $-840.0K | ||
| Q3 24 | — | $3.7M | ||
| Q2 24 | — | $13.5M |
| Q1 26 | — | — | ||
| Q4 25 | 124.3% | 23.7% | ||
| Q3 25 | — | 15.9% | ||
| Q2 25 | — | -9.1% | ||
| Q1 25 | — | 7.9% | ||
| Q4 24 | 94.6% | -0.9% | ||
| Q3 24 | — | 5.8% | ||
| Q2 24 | — | 18.3% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 2.3% | ||
| Q3 25 | — | 3.6% | ||
| Q2 25 | — | 3.1% | ||
| Q1 25 | — | 5.4% | ||
| Q4 24 | 12.9% | 2.1% | ||
| Q3 24 | — | 3.4% | ||
| Q2 24 | — | 1.8% |
| Q1 26 | — | — | ||
| Q4 25 | 4.18× | 18.99× | ||
| Q3 25 | 1.20× | 6.05× | ||
| Q2 25 | 0.91× | -0.24× | ||
| Q1 25 | 1.71× | — | ||
| Q4 24 | 3.61× | 0.28× | ||
| 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.
SND
| Sand | $85.1M | 99% |
| Smart Systems Segment | $980.0K | 1% |
