{"schema_version":"secwatch.filing_event.v1","accession":"0000712537-23-000106","form_type":"8-K","ticker":"FCF","cik":"0000712537","company_name":"FIRST COMMONWEALTH FINANCIAL CORP /PA/","filed_at":"2023-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.789420+00:00","generated_at":"2026-06-09T15:06:39.447019+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"First Commonwealth Q3 EPS $0.38, down from $0.42 in Q2; dividend held at $0.125","bullets":["Net income Q3 2023 $39.2M ($0.38 diluted EPS) vs Q2 $42.8M ($0.42 EPS) and Q3 2022 $34.0M ($0.36).","Net interest margin (FTE) 3.76% (Q2: 3.85%); core efficiency ratio 53.42% (Q2: 52.80%).","Provision for credit losses rose to $5.9M from $2.8M in Q2; net charge-offs fell to $4.0M from $8.7M.","Quarterly cash dividend of $0.125 per share declared, unchanged sequentially."],"urls":{"canonical":"https://secwatch.observer/filing/0000712537-23-000106","json":"https://secwatch.observer/filing/0000712537-23-000106.json","markdown":"https://secwatch.observer/filing/0000712537-23-000106.md","text":"https://secwatch.observer/filing/0000712537-23-000106.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712537/000071253723000106/0000712537-23-000106-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712537/000071253723000106/fcf-20231024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T15:06:39.447019+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":[{"claim_id":"c5f1f209db6df0d86d3052652b0e79e6c145cfd9","claim":"FIRST COMMONWEALTH FINANCIAL CORP /PA/ reported the three and nine month periods ended September 30, 2023 results: net income $39,231, EPS $0.38.","evidence_excerpt":"On October 24, 2023, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and nine month periods ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/712537/000071253723000106/0000712537-23-000106-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and nine month periods ended September 30, 2023"},{"label":"Net income","value":"$39,231"},{"label":"EPS","value":"$0.38"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}