---
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"
generated_at: "2026-05-30T09:29:02.336200+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q3 net income $32.1M, EPS $0.31; declares $0.13 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- 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/712537/000071253724000119/0000712537-24-000119-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253724000119/fcf-20241029.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-24-000119
- JSON: https://secwatch.observer/filing/0000712537-24-000119.json
- Plain text: https://secwatch.observer/filing/0000712537-24-000119.txt

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