---
schema_version: "secwatch.filing_event.v1"
accession: "0000712537-21-000025"
form_type: "8-K"
ticker: "FCF"
cik: "0000712537"
company_name: "FIRST COMMONWEALTH FINANCIAL CORP /PA/"
filed_at: "2021-10-27T23:59:59+00:00"
generated_at: "2026-06-28T17:39:43.888492+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q3 net income $34.1M, EPS $0.36; declares $0.115 dividend, $25M buyback

## Summary
- Q3 2021 net income $34.1M, diluted EPS $0.36, up from $19.2M ($0.20) in Q3 2020.
- Core diluted EPS $0.36 vs $0.24 YoY, driven by lower provision expense ($330K vs $11.2M).
- Net interest margin (FTE) expanded to 3.23% from 3.11% a year ago.
- Declared quarterly cash dividend of $0.115 per share and authorized a new $25M share repurchase program.

## SEC filing metadata
- accession: 0000712537-21-000025
- form_type: 8-K
- ticker: FCF
- cik: 0000712537
- company_name: FIRST COMMONWEALTH FINANCIAL CORP /PA/
- filed_at: 2021-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/712537/000071253721000025/0000712537-21-000025-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253721000025/fcf-20211026.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-21-000025
- JSON: https://secwatch.observer/filing/0000712537-21-000025.json
- Plain text: https://secwatch.observer/filing/0000712537-21-000025.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.