---
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"
generated_at: "2026-06-26T04:50:09.061720+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q1 net income $27.7M ($0.29 EPS); dividend raised to $0.12

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-22-000009
- JSON: https://secwatch.observer/filing/0000712537-22-000009.json
- Plain text: https://secwatch.observer/filing/0000712537-22-000009.txt

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