{"schema_version":"secwatch.filing_event.v1","accession":"0000712537-22-000009","form_type":"8-K","ticker":"FCF","cik":"0000712537","company_name":"FIRST COMMONWEALTH FINANCIAL CORP /PA/","filed_at":"2022-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.436638+00:00","generated_at":"2026-06-26T04:50:09.061720+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"First Commonwealth Q1 net income $27.7M ($0.29 EPS); dividend raised to $0.12","bullets":["Net income of $27.7M ($0.29 diluted EPS) vs $39.8M ($0.41) a year ago; core EPS $0.29.","Net interest margin (FTE) 3.19%, down from 3.40% in Q1 2021; provision expense $1.96M vs negative provision of $4.39M.","Quarterly cash dividend increased to $0.12 per share from prior $0.105 (implied 14% increase).","Core efficiency ratio worsened to 59.47% from 53.18% a year ago; core pre-tax pre-provision revenue $36.5M vs $45.0M."],"urls":{"canonical":"https://secwatch.observer/filing/0000712537-22-000009","json":"https://secwatch.observer/filing/0000712537-22-000009.json","markdown":"https://secwatch.observer/filing/0000712537-22-000009.md","text":"https://secwatch.observer/filing/0000712537-22-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712537/000071253722000009/0000712537-22-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712537/000071253722000009/fcf-20220426.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:50:09.061720+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}