{"schema_version":"secwatch.filing_event.v1","accession":"0000712537-26-000018","form_type":"8-K","ticker":"FCF","cik":"0000712537","company_name":"FIRST COMMONWEALTH FINANCIAL CORP /PA/","filed_at":"2026-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.667086+00:00","generated_at":"2026-05-15T03:24:33.301519+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Commonwealth Q1 2026 EPS $0.37; dividend raised to $0.14/share","bullets":["Net income $37.5M, diluted EPS $0.37 vs $0.32 a year ago; core EPS also $0.37.","Net interest margin (FTE) 3.92%, up from 3.62% in Q1 2025.","Core pre-tax pre-provision net revenue $57.9M, core efficiency ratio 55.43%.","Dividend increased to $0.14/share from $0.13/share, payable June 30, 2026.","Provision expense $10.7M vs $5.7M a year ago; reserve build $3.4M."],"urls":{"canonical":"https://secwatch.observer/filing/0000712537-26-000018","json":"https://secwatch.observer/filing/0000712537-26-000018.json","markdown":"https://secwatch.observer/filing/0000712537-26-000018.md","text":"https://secwatch.observer/filing/0000712537-26-000018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712537/000071253726000018/0000712537-26-000018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712537/000071253726000018/fcf-20260428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T03:24:33.301519+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":[{"claim_id":"9747027882576326b288f558d67b073c9c8c92d4","claim":"FIRST COMMONWEALTH FINANCIAL CORP /PA/ reported first quarter of 2026 results: net income $37,548, EPS $0.37 per diluted share.","evidence_excerpt":"of 2026. Financial Summary (dollars in thousands, For the Three Months Ended except per share data) March 31, December 31, March 31, 2026 2025 2025 Reported Results Net income $ 37,548 $ 44,876 $ 32,696 Diluted earnings per share $ 0.37 $ 0.43 $ 0.32 Return on average assets 1.25 % 1.46 % 1.14 % Return on average equity 9.75 % 11.49 % 9.28 % Operating Results","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/712537/000071253726000018/0000712537-26-000018-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2026"},{"label":"Net income","value":"$37,548"},{"label":"EPS","value":"$0.37 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}