{"schema_version":"secwatch.filing_event.v1","accession":"0000712537-25-000096","form_type":"8-K","ticker":"FCF","cik":"0000712537","company_name":"FIRST COMMONWEALTH FINANCIAL CORP /PA/","filed_at":"2025-07-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.205210+00:00","generated_at":"2026-05-17T23:19:46.559770+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"First Commonwealth Q2 net income $33.4M, EPS $0.32; declares $0.135 dividend","bullets":["GAAP net income $33.4M ($0.32 diluted EPS) vs $37.1M ($0.36) in Q2 2024.","Core diluted EPS (non-GAAP) $0.38, up from $0.36 YoY; net interest margin widened to 3.83% from 3.57%.","Provision expense $8.9M vs $7.8M YoY; net charge-offs $2.8M, down from $4.4M.","Quarterly cash dividend of $0.135 per share declared, payable on a date to be set.","Core pre-tax pre-provision net revenue $58.7M vs $54.4M YoY; core efficiency ratio 54.06%."],"urls":{"canonical":"https://secwatch.observer/filing/0000712537-25-000096","json":"https://secwatch.observer/filing/0000712537-25-000096.json","markdown":"https://secwatch.observer/filing/0000712537-25-000096.md","text":"https://secwatch.observer/filing/0000712537-25-000096.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712537/000071253725000096/0000712537-25-000096-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712537/000071253725000096/fcf-20250729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T23:19:46.559770+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"}