---
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"
generated_at: "2026-05-15T03:24:33.301519+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q1 2026 EPS $0.37; dividend raised to $0.14/share

## Summary
- 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.

## SEC filing metadata
- 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
- 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/712537/000071253726000018/0000712537-26-000018-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253726000018/fcf-20260428.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-26-000018
- JSON: https://secwatch.observer/filing/0000712537-26-000018.json
- Plain text: https://secwatch.observer/filing/0000712537-26-000018.txt

## Key facts
- Earnings Releases
  FIRST COMMONWEALTH FINANCIAL CORP /PA/ reported first quarter of 2026 results: net income $37,548, EPS $0.37 per diluted share.
  - Period: first quarter of 2026
  - Net income: $37,548
  - EPS: $0.37 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/712537/000071253726000018/0000712537-26-000018-index.htm

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