First Commonwealth Q4 net income $35.8M, EPS $0.35, down 20% YoY; declares $0.13 dividend

FIRST COMMONWEALTH FINANCIAL CORP /PA/

2024-FY EPS reported $1.39

Q4 2024 net income of $35.8M ($0.35 diluted EPS) vs. $44.8M ($0.44) in Q4 2023.
Full-year 2024 net income $142.6M ($1.39 EPS) vs. $157.1M ($1.54) in 2023; core EPS $1.40.
Net interest margin (FTE) narrowed to 3.54% in Q4 from 3.65% a year ago; full-year NIM 3.55% vs. 3.81%.
Provision for credit losses rose to $6.5M in Q4 vs. a negative $1.9M a year ago; full-year provision $29.2M vs. $14.8M.
Declared quarterly cash dividend of $0.13 per share, consistent with prior rate.

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