{"schema_version":"secwatch.filing_event.v1","accession":"0000712537-25-000018","form_type":"8-K","ticker":"FCF","cik":"0000712537","company_name":"FIRST COMMONWEALTH FINANCIAL CORP /PA/","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.145189+00:00","generated_at":"2026-05-27T08:41:35.909386+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 Q4 net income $35.8M, EPS $0.35, down 20% YoY; declares $0.13 dividend","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000712537-25-000018","json":"https://secwatch.observer/filing/0000712537-25-000018.json","markdown":"https://secwatch.observer/filing/0000712537-25-000018.md","text":"https://secwatch.observer/filing/0000712537-25-000018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712537/000071253725000018/0000712537-25-000018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712537/000071253725000018/fcf-20250128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:41:35.909386+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"}