---
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"
generated_at: "2026-05-16T07:12:48.702789+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 5.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-26-000003
- JSON: https://secwatch.observer/filing/0000712537-26-000003.json
- Plain text: https://secwatch.observer/filing/0000712537-26-000003.txt

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