---
schema_version: "secwatch.filing_event.v1"
accession: "0000712537-24-000032"
form_type: "8-K"
ticker: "FCF"
cik: "0000712537"
company_name: "FIRST COMMONWEALTH FINANCIAL CORP /PA/"
filed_at: "2024-01-30T23:59:59+00:00"
generated_at: "2026-06-06T15:23:59.442907+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth reports Q4 2023 EPS $0.44; declares $0.125 dividend

## Summary
- Q4 2023 net income $44.8M ($0.44 diluted EPS); full-year net income $157.1M ($1.54 diluted EPS).
- Core diluted EPS $0.44 for Q4, $1.70 for full year 2023; core ROAA 1.56%.
- Quarterly cash dividend of $0.125 per share declared, payable on Feb. 23, 2024.
- Net interest margin (FTE) 3.65% in Q4 vs 3.76% in Q3; core efficiency ratio 53.00%.
- Full-year revenue growth driven by higher net interest income; provision expense declined to $14.8M from $21.1M.

## SEC filing metadata
- accession: 0000712537-24-000032
- form_type: 8-K
- ticker: FCF
- cik: 0000712537
- company_name: FIRST COMMONWEALTH FINANCIAL CORP /PA/
- filed_at: 2024-01-30T23:59:59+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/712537/000071253724000032/0000712537-24-000032-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253724000032/fcf-20240130.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-24-000032
- JSON: https://secwatch.observer/filing/0000712537-24-000032.json
- Plain text: https://secwatch.observer/filing/0000712537-24-000032.txt

## Key facts
- Earnings Releases
  FIRST COMMONWEALTH FINANCIAL CORP /PA/ reported quarter and full year ended December 31, 2023 results: net income $44,827 (Q4 2023), $39,231 (Q3 2023), $35,733 (Q4 2022), $157,063 (FY 2023), $128,181 (FY 2022), EPS $0.44 (Q4 2023), $0.38 (Q3 2023), $0.38 (Q4 2022), $1.54 (FY 2023), $1.37 (FY 2022).
  - Period: quarter and full year ended December 31, 2023
  - Net income: $44,827 (Q4 2023), $39,231 (Q3 2023), $35,733 (Q4 2022), $157,063 (FY 2023), $128,181 (FY 2022)
  - EPS: $0.44 (Q4 2023), $0.38 (Q3 2023), $0.38 (Q4 2022), $1.54 (FY 2023), $1.37 (FY 2022)
  - Result: reported results
  source text: First Commonwealth Financial Corporation (the "Company") issued a press release announcing financial results for the three and twelve month periods ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/712537/000071253724000032/0000712537-24-000032-index.htm

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