First Commonwealth Financial (FCF) — Tangible Net Worth Ratio
First Commonwealth Financial (FCF) has a Tangible Net Worth Ratio of 74.3% as of December 2025. This metric is calculated by deducting intangible assets ($400.23 Million) from net assets ($1.55 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See working capital to net assets of First Commonwealth Financial to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
First Commonwealth Financial Tangible Net Worth Ratio (1992–2025)
This chart shows how First Commonwealth Financial's Tangible Net Worth Ratio has changed across 34 annual periods from 1992 to 2025. As of December 2025, the ratio stands at 74.3%, reflecting net assets of $1.55 Billion with intangible assets of $400.23 Million USD. See FCF defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for First Commonwealth Financial (1992–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for First Commonwealth Financial from 1992 to 2025, covering 34 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see First Commonwealth Financial market cap and net worth.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 74.3% | $1.55 Billion | $400.23 Million | $12.34 Billion | ▼ -24.4 pp |
| 2024 | 98.6% | $1.41 Billion | $19.64 Million | $11.58 Billion | ▲ +0.3 pp |
| 2023 | 98.3% | $1.31 Billion | $22.82 Million | $11.46 Billion | ▼ -0.9 pp |
| 2022 | 99.1% | $1.05 Billion | $9.21 Million | $9.81 Billion | ▲ +0.1 pp |
| 2021 | 99.0% | $1.11 Billion | $11.19 Million | $9.55 Billion | ▲ +0.3 pp |
| 2020 | 98.7% | $1.07 Billion | $13.49 Million | $9.07 Billion | ▲ +0.3 pp |
| 2019 | 98.4% | $1.06 Billion | $16.37 Million | $8.31 Billion | ▼ -0.2 pp |
| 2018 | 98.7% | $975.39 Million | $13.04 Million | $7.83 Billion | ▲ +0.4 pp |
| 2017 | 98.3% | $888.13 Million | $15.01 Million | $7.31 Billion | ▼ -0.1 pp |
| 2016 | 98.4% | $749.93 Million | $12.01 Million | $6.68 Billion | ▼ -1.4 pp |
| 2015 | 99.8% | $719.55 Million | $1.23 Million | $6.57 Billion | ▲ +0.1 pp |
| 2014 | 99.8% | $716.14 Million | $1.67 Million | $6.36 Billion | ▼ 0.0 pp |
| 2013 | 99.8% | $711.70 Million | $1.31 Million | $6.21 Billion | ▲ +0.1 pp |
| 2012 | 99.7% | $746.01 Million | $2.38 Million | $6.00 Billion | ▲ +0.2 pp |
| 2011 | 99.5% | $758.54 Million | $3.84 Million | $5.84 Billion | ▲ +0.2 pp |
| 2010 | 99.3% | $749.78 Million | $5.38 Million | $5.81 Billion | ▲ +0.4 pp |
| 2009 | 98.8% | $638.81 Million | $7.41 Million | $6.45 Billion | ▲ +0.4 pp |
| 2008 | 98.4% | $652.78 Million | $10.23 Million | $6.43 Billion | ▲ +0.8 pp |
| 2007 | 97.6% | $568.79 Million | $13.44 Million | $5.88 Billion | ▲ +0.6 pp |
| 2006 | 97.0% | $571.36 Million | $16.87 Million | $6.04 Billion | ▼ 0.0 pp |
| 2005 | 97.1% | $521.04 Million | $15.25 Million | $6.03 Billion | ▲ +0.4 pp |
| 2004 | 96.7% | $531.98 Million | $17.51 Million | $6.20 Billion | ▼ -2.5 pp |
| 2003 | 99.2% | $430.95 Million | $3.26 Million | $5.19 Billion | ▼ -0.7 pp |
| 2002 | 100.0% | $401.39 Million | $29.00K | $4.52 Billion | ▼ 0.0 pp |
| 2001 | 100.0% | $370.07 Million | $0.00 | $4.58 Billion | ▲ +0.0 pp |
| 2000 | 100.0% | $334.16 Million | $0.00 | $4.37 Billion | ▲ +0.0 pp |
| 1999 | 100.0% | $286.70 Million | $0.00 | $4.34 Billion | ▲ +0.0 pp |
| 1998 | 100.0% | $355.40 Million | $0.00 | $4.10 Billion | ▲ +0.0 pp |
| 1997 | 100.0% | $354.30 Million | $0.00 | $3.67 Billion | ▲ +0.0 pp |
| 1996 | 100.0% | $261.40 Million | $0.00 | $2.58 Billion | ▲ +0.0 pp |
| 1995 | 100.0% | $252.30 Million | $0.00 | $2.36 Billion | ▲ +0.0 pp |
| 1994 | 100.0% | $225.10 Million | $0.00 | $2.33 Billion | ▲ +0.0 pp |
| 1993 | 100.0% | $186.50 Million | $0.00 | $1.96 Billion | ▲ +0.0 pp |
| 1992 | 100.0% | $170.40 Million | $0.00 | $1.79 Billion | — |