---
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"
generated_at: "2026-06-09T15:06:39.447019+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q3 EPS $0.38, down from $0.42 in Q2; dividend held at $0.125

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-23-000106
- JSON: https://secwatch.observer/filing/0000712537-23-000106.json
- Plain text: https://secwatch.observer/filing/0000712537-23-000106.txt

## Key facts
- Earnings Releases
  FIRST COMMONWEALTH FINANCIAL CORP /PA/ reported the three and nine month periods ended September 30, 2023 results: net income $39,231, EPS $0.38.
  - Period: the three and nine month periods ended September 30, 2023
  - Net income: $39,231
  - EPS: $0.38
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/712537/000071253723000106/0000712537-23-000106-index.htm

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