---
schema_version: "secwatch.filing_event.v1"
accession: "0000712537-24-000073"
form_type: "8-K"
ticker: "FCF"
cik: "0000712537"
company_name: "FIRST COMMONWEALTH FINANCIAL CORP /PA/"
filed_at: "2024-04-23T23:59:59+00:00"
generated_at: "2026-06-03T12:47:07.659916+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q1 net income $37.5M, EPS $0.37; dividend raised to $0.13

## Summary
- Net income $37.5M, up 24% from $30.2M in Q1 2023; diluted EPS $0.37 vs $0.30.
- Core diluted EPS $0.37, down from $0.45 in Q1 2023 due to higher provision.
- Quarterly dividend increased to $0.13 per share (payable May 17, 2024 to holders of record May 6).
- Net interest margin (FTE) 3.52%, down from 4.01% a year ago; provision expense $4.2M.
- Net charge-offs $4.3M vs $1.2M in Q1 2023; reserve build of $1.4M.

## SEC filing metadata
- accession: 0000712537-24-000073
- form_type: 8-K
- ticker: FCF
- cik: 0000712537
- company_name: FIRST COMMONWEALTH FINANCIAL CORP /PA/
- filed_at: 2024-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/712537/000071253724000073/0000712537-24-000073-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253724000073/fcf-20240423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-24-000073
- JSON: https://secwatch.observer/filing/0000712537-24-000073.json
- Plain text: https://secwatch.observer/filing/0000712537-24-000073.txt

## Key facts
- Earnings Releases
  FIRST COMMONWEALTH FINANCIAL CORP /PA/ reported the three month period ended March 31, 2024 results: net income Net income $ 37,549, EPS Diluted earnings per share $ 0.37.
  - Period: the three month period ended March 31, 2024
  - Net income: Net income $ 37,549
  - EPS: Diluted earnings per share $ 0.37
  - Result: reported results
  source text: On April 23, 2024, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three month period ended March 31, 2024.
  evidence_url: https://www.sec.gov/Archives/edgar/data/712537/000071253724000073/0000712537-24-000073-index.htm

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