First Commonwealth Q4 EPS $0.43 vs $0.35 YoY; NIM expands to 3.98%; declares $0.135 dividend; adds $25M buyback

FIRST COMMONWEALTH FINANCIAL CORP /PA/

2025-FY EPS reported $1.47

Q4 net income $44.9M ($0.43 EPS) vs $35.8M ($0.35) a year ago; FY net income $152.3M ($1.47) vs $142.6M ($1.39).
Net interest margin (FTE) 3.98%, up from 3.54% YoY; core efficiency ratio improved to 52.84% from 56.07%.
Board declared $0.135/share quarterly dividend (unchanged) and authorized additional $25M share repurchase program.
Executive VP Norman Montgomery to retire on May 1, 2026; no replacement announced.
Provision for credit losses $7.0M vs $6.5M YoY; net charge-offs decreased to $11.3M from $13.7M.

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