---
schema_version: "secwatch.filing_event.v1"
accession: "0000712537-24-000095"
form_type: "8-K"
ticker: "FCF"
cik: "0000712537"
company_name: "FIRST COMMONWEALTH FINANCIAL CORP /PA/"
filed_at: "2024-07-23T23:59:59+00:00"
generated_at: "2026-05-31T18:17:14.772687+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q2 2024 EPS $0.36, down from $0.42; dividend $0.13

## Summary
- Net income $37.1M vs $42.8M in Q2 2023; diluted EPS $0.36 vs $0.42.
- Net interest margin (FTE) 3.57%, down from 3.85% a year ago.
- Provision expense rose to $7.8M from $2.8M; net charge-offs $4.4M.
- Quarterly cash dividend of $0.13 per share declared, payable date not stated.
- Core diluted EPS $0.36, core efficiency ratio 53.63%.

## SEC filing metadata
- accession: 0000712537-24-000095
- form_type: 8-K
- ticker: FCF
- cik: 0000712537
- company_name: FIRST COMMONWEALTH FINANCIAL CORP /PA/
- filed_at: 2024-07-23T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/712537/000071253724000095/0000712537-24-000095-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253724000095/fcf-20240723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-24-000095
- JSON: https://secwatch.observer/filing/0000712537-24-000095.json
- Plain text: https://secwatch.observer/filing/0000712537-24-000095.txt

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