---
schema_version: "secwatch.filing_event.v1"
accession: "0000712537-22-000043"
form_type: "8-K"
ticker: "FCF"
cik: "0000712537"
company_name: "FIRST COMMONWEALTH FINANCIAL CORP /PA/"
filed_at: "2022-10-25T23:59:59+00:00"
generated_at: "2026-06-23T01:28:20.033826+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q3 EPS $0.36 ($0.37 core); NIM expands to 3.76%; dividend $0.12

## Summary
- Net income of $34.0M, diluted EPS $0.36; core EPS $0.37 (non-GAAP).
- Net interest margin (FTE) rose to 3.76% from 3.38% in Q2 2022 and 3.23% a year ago.
- Provision for credit losses increased to $5.9M vs $4.1M in Q2 and $0.3M in Q3 2021.
- Core pre-tax pre-provision net revenue was $48.9M, up from $42.9M a year ago.
- Quarterly cash dividend of $0.12 per share declared.

## SEC filing metadata
- accession: 0000712537-22-000043
- form_type: 8-K
- ticker: FCF
- cik: 0000712537
- company_name: FIRST COMMONWEALTH FINANCIAL CORP /PA/
- filed_at: 2022-10-25T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/712537/000071253722000043/0000712537-22-000043-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253722000043/fcf-20221025.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-22-000043
- JSON: https://secwatch.observer/filing/0000712537-22-000043.json
- Plain text: https://secwatch.observer/filing/0000712537-22-000043.txt

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