---
schema_version: "secwatch.filing_event.v1"
accession: "0000712537-26-000026"
form_type: "8-K"
ticker: "FCF"
cik: "0000712537"
company_name: "FIRST COMMONWEALTH FINANCIAL CORP /PA/"
filed_at: "2026-07-28T21:02:27+00:00"
generated_at: "2026-07-28T21:04:09.816215+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Commonwealth Q2 net income $44.6M, EPS $0.44; declares $0.14 dividend, adds $75M buyback

## Summary
- Net income $44.6M ($0.44 diluted EPS) vs $33.4M ($0.32) in Q2 2025; core EPS $0.44.
- Net interest margin (FTE) expanded to 4.01% from 3.83% a year ago; core efficiency ratio improved to 52.24%.
- Board declared quarterly cash dividend of $0.14 per share.
- Board authorized additional $75M share repurchase program.

## SEC filing metadata
- accession: 0000712537-26-000026
- form_type: 8-K
- ticker: FCF
- cik: 0000712537
- company_name: FIRST COMMONWEALTH FINANCIAL CORP /PA/
- filed_at: 2026-07-28T21:02:27+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/712537/000071253726000026/0000712537-26-000026-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712537/000071253726000026/fcf-20260728.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000712537-26-000026
- JSON: https://secwatch.observer/filing/0000712537-26-000026.json
- Plain text: https://secwatch.observer/filing/0000712537-26-000026.txt

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