---
schema_version: "secwatch.filing_event.v1"
accession: "0000712537-25-000124"
form_type: "8-K"
ticker: "FCF"
cik: "0000712537"
company_name: "FIRST COMMONWEALTH FINANCIAL CORP /PA/"
filed_at: "2025-10-28T23:59:59+00:00"
generated_at: "2026-05-17T02:04:14.272759+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q3 2025 net income $41.3M, EPS $0.39, NIM expands to 3.92%

## Summary
- Q3 2025 net income $41.3M ($0.39 diluted EPS), up from $32.1M ($0.31) a year ago.
- Net interest margin (FTE) rose to 3.92% from 3.56% YoY; core PPNR $62.9M.
- Return on average assets 1.34% and return on tangible common equity 14.96%.
- Declared quarterly dividend of $0.135 per share, unchanged from prior quarter.

## SEC filing metadata
- accession: 0000712537-25-000124
- form_type: 8-K
- ticker: FCF
- cik: 0000712537
- company_name: FIRST COMMONWEALTH FINANCIAL CORP /PA/
- filed_at: 2025-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/712537/000071253725000124/0000712537-25-000124-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253725000124/fcf-20251028.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-25-000124
- JSON: https://secwatch.observer/filing/0000712537-25-000124.json
- Plain text: https://secwatch.observer/filing/0000712537-25-000124.txt

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