{"schema_version":"secwatch.filing_event.v1","accession":"0000712537-26-000003","form_type":"8-K","ticker":"FCF","cik":"0000712537","company_name":"FIRST COMMONWEALTH FINANCIAL CORP /PA/","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.519206+00:00","generated_at":"2026-05-16T07:12:48.702789+00:00","sec_items":["2.02","5.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Commonwealth Q4 EPS $0.43 vs $0.35 YoY; NIM expands to 3.98%; declares $0.135 dividend; adds $25M buyback","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000712537-26-000003","json":"https://secwatch.observer/filing/0000712537-26-000003.json","markdown":"https://secwatch.observer/filing/0000712537-26-000003.md","text":"https://secwatch.observer/filing/0000712537-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712537/000071253726000003/0000712537-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712537/000071253726000003/fcf-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:12:48.702789+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"}