---
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"
generated_at: "2026-05-27T08:41:35.909386+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/712537/000071253725000018/0000712537-25-000018-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253725000018/fcf-20250128.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-25-000018
- JSON: https://secwatch.observer/filing/0000712537-25-000018.json
- Plain text: https://secwatch.observer/filing/0000712537-25-000018.txt

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