---
schema_version: "secwatch.filing_event.v1"
accession: "0000712537-23-000097"
form_type: "8-K"
ticker: "FCF"
cik: "0000712537"
company_name: "FIRST COMMONWEALTH FINANCIAL CORP /PA/"
filed_at: "2023-07-25T23:59:59+00:00"
generated_at: "2026-06-13T03:35:23.900036+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q2 net income $42.8M, EPS $0.42, declares $0.125 dividend

## Summary
- Net income $42.8M up 39% YoY ($30.8M); diluted EPS $0.42 vs $0.33.
- Core (non-GAAP) diluted EPS $0.42; core pre-tax pre-provision net revenue $56.3M.
- Net interest margin (FTE) 3.85% vs 3.38% YoY, core efficiency ratio 52.80%.
- Quarterly cash dividend of $0.125 per share declared, payable in Q3 2023.
- Six-month net income $73.0M ($0.72 EPS) vs $58.5M ($0.62 EPS) a year ago.

## SEC filing metadata
- accession: 0000712537-23-000097
- form_type: 8-K
- ticker: FCF
- cik: 0000712537
- company_name: FIRST COMMONWEALTH FINANCIAL CORP /PA/
- filed_at: 2023-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/712537/000071253723000097/0000712537-23-000097-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253723000097/fcf-20230725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-23-000097
- JSON: https://secwatch.observer/filing/0000712537-23-000097.json
- Plain text: https://secwatch.observer/filing/0000712537-23-000097.txt

## Key facts
- Earnings Releases
  FIRST COMMONWEALTH FINANCIAL CORP /PA/ reported the six months ended June 30, 2023 results: net income $ 73,005, EPS $ 0.72.
  - Period: the six months ended June 30, 2023
  - Net income: $ 73,005
  - EPS: $ 0.72
  - Result: reported results
  source text: On July 25, 2023, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and six month periods ended June 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/712537/000071253723000097/0000712537-23-000097-index.htm
- Earnings Releases
  FIRST COMMONWEALTH FINANCIAL CORP /PA/ reported the three months ended June 30, 2023 results: net income $ 42,781, EPS $ 0.42.
  - Period: the three months ended June 30, 2023
  - Net income: $ 42,781
  - EPS: $ 0.42
  - Result: reported results
  source text: On July 25, 2023, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and six month periods ended June 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/712537/000071253723000097/0000712537-23-000097-index.htm

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