---
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"
generated_at: "2026-05-17T23:19:46.559770+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q2 net income $33.4M, EPS $0.32; declares $0.135 dividend

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/712537/000071253725000096/0000712537-25-000096-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253725000096/fcf-20250729.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-25-000096
- JSON: https://secwatch.observer/filing/0000712537-25-000096.json
- Plain text: https://secwatch.observer/filing/0000712537-25-000096.txt

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