{"schema_version":"secwatch.filing_event.v1","accession":"0000712537-24-000119","form_type":"8-K","ticker":"FCF","cik":"0000712537","company_name":"FIRST COMMONWEALTH FINANCIAL CORP /PA/","filed_at":"2024-10-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.853062+00:00","generated_at":"2026-05-30T09:29:02.336200+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"First Commonwealth Q3 net income $32.1M, EPS $0.31; declares $0.13 dividend","bullets":["Net income $32.1M, diluted EPS $0.31 vs $0.38 in Q3 2023; core EPS $0.31.","Net interest margin (FTE) 3.56%, down 20 bps from 3.76% a year ago.","Provision expense $10.6M, net charge-offs $8.8M; reserve build $2.5M.","Board declared $0.13 per share quarterly dividend."],"urls":{"canonical":"https://secwatch.observer/filing/0000712537-24-000119","json":"https://secwatch.observer/filing/0000712537-24-000119.json","markdown":"https://secwatch.observer/filing/0000712537-24-000119.md","text":"https://secwatch.observer/filing/0000712537-24-000119.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712537/000071253724000119/0000712537-24-000119-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712537/000071253724000119/fcf-20241029.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T09:29:02.336200+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}