First Commonwealth Financial Corporation (FCF) SEC Filings & Earnings Calls
EquiReason read 13 First Commonwealth Financial Corporation SEC filings in the last 12 months. Latest: 8-K on 2026-09-17 — First Commonwealth Financial appoints Phillip J. Graves Jr. as Chief Accounting Officer and principal accounting officer, effective September 14, 2026; annual base salary $275,000..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 2.1B
- P/E TTM
- 12.9
- Dividend yield
- 2.6%
- 52-week
- —
- Next earnings
- 27 Oct, in 3 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
10 Aug 202610-QFirst Commonwealth reported Q2 2026 net income of $44.6M, up 33.5% YoY, driven by higher net interest income and lower expenses.earningsopen
Figures in the filing · each found in the filing text
| Net Interest Income · Q2-2026 | $112M | +6% y/y |
| Net Income · Q2-2026 | $45M | +34% y/y |
| Total Deposits · 2026-06-30 | $10.26B | |
| Portfolio Loans and Leases · 2026-06-30 | $9.47B | |
| Allowance for Credit Losses · 2026-06-30 | $127M |
Risks flagged
Credit loss provision increase
“Provision for credit losses $8,931 for three months ended June 30, 2026 vs $8,898 for same period 2025.”
Securities portfolio unrealized losses
“Accumulated other comprehensive loss, net $(70,709) at June 30, 2026 vs $(64,600) at December 31, 2025.”
28 Jul 20268-K · 2.02, 7.01FCF reported Q2 2026 net income of $44.6M, EPS $0.44, NIM 4.01%, core efficiency 52.24%, ROATCE 15.66%, and announced $0.14 dividend and $75M buyback authorization.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $45M | +33% y/y |
| Diluted earnings per share · Q2-2026 | $0.44 | +38% y/y |
| Return on average assets · Q2-2026 | 1.5% | |
| Return on average equity · Q2-2026 | 11.4% | |
| Net interest margin (FTE) · Q2-2026 | 4.0% | |
| Core efficiency ratio · Q2-2026 | 52.2% | |
| Core return on average tangible common equity · Q2-2026 | 15.7% | |
| Provision expense · Q2-2026 | $9M | +0% y/y |
| Net charge-offs · Q2-2026 | $11M | +315% y/y |
| Allowance for credit losses as a percentage of period-end loans · Q2-2026 | 1.4% |
Risks flagged
Net charge-offs increased sharply to $11.4M from $2.8M a year ago, indicating credit quality deterioration.
“Net charge-offs on loans totaled $11.4 million, an increase of $3.3 million from the previous quarter and $8.7 million from the prior year quarter.”
End-of-period deposits declined 5.8% annualized, potentially increasing funding cost pressure.
“End-of period-deposits decreased $149.8 million, or 5.8% annualized, compared to the prior quarter.” · word for word
11 May 202610-QNet Interest Income $109M (+14% y/y); Net Income $38M (+15% y/y); Total Deposits $10.41Bopen
Figures in the filing · each found in the filing text
| Net Interest Income · Q1-2026 | $109M | +14% y/y |
| Net Income · Q1-2026 | $38M | +15% y/y |
| Total Deposits · 2026-03-31 | $10.41B | |
| Diluted Earnings Per Share · Q1-2026 | $0.37 | +16% y/y |
| Provision for Credit Losses · Q1-2026 | $11M | +87% y/y |
| Total Loans and Leases · 2026-03-31 | $9.43B |
Risks flagged
Credit Loss Risk
“Provision for credit losses increased 87.1% year-over-year to $10,733.”
Interest Rate Risk
“Unrealized losses on securities available for sale increased to $90,391 at March 31, 2026 from $87,719 at December 31, 2025.”
28 Apr 20268-K · 2.02, 7.01Net income $38M (+15% y/y); Diluted earnings per share $0.37 (+16% y/y); Core pre-tax pre-provision net revenue $58M (+23% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $38M | +15% y/y |
| Diluted earnings per share · Q1-2026 | $0.37 | +16% y/y |
| Core pre-tax pre-provision net revenue · Q1-2026 | $58M | +23% y/y |
| Net interest margin (FTE) · Q1-2026 | 3.9% | |
| Core efficiency ratio · Q1-2026 | 55.4% | |
| Provision expense · Q1-2026 | $11M | +87% y/y |
| Net charge-offs · Q1-2026 | $8M | +163% y/y |
| Return on average assets · Q1-2026 | 1.3% | |
| Return on average tangible common equity · Q1-2026 | 13.5% | |
| Dividend per share · Q1-2026 | $0.14 | +4% y/y |
Risks flagged
Provision expense and net charge-offs increased significantly YoY, indicating potential credit quality deterioration.
“Provision expense $10.7M (up 87% YoY), net charge-offs $8.2M (up 163% YoY).”
19 Mar 2026DEF 14AFirst Commonwealth filed its definitive proxy statement for the 2026 annual meeting, disclosing executive compensation, governance practices, and shareholder voting items.open
Figures in the filing · each found in the filing text
| Core EPS · FY2025 | $1.53 | +9% y/y |
| Core PTPP ROA · FY2025 | 1.9% | |
| Net Interest Margin · FY2025 | 3.8% | |
| Net Income · FY2025 | $152M | |
| Core ROTCE · FY2025 | 14.7% | |
| Return on Average Assets · FY2025 | 1.3% | |
| Dividend per Share · Q4-2025 | $0.14 | +4% y/y |
| Share Repurchases · FY2025 | 2,100,000 | |
| Nonperforming Loans / Total Loans · FY2025 | 0.9% | |
| Allowance for Credit Losses / Total Loans · FY2025 | 1.3% |
Risks flagged
Credit quality deterioration
“Nonperforming loans as a percentage of total loans increased to 0.94% as of December 31, 2025, from 0.68% at December 31, 2024.” · word for word
Intense deposit competition
“deposit competition remained intense” · word for word
Interest rate and tariff uncertainty
“modestly declining interest rates reflected the Federal Reserve's efforts to balance inflationary pressures associated with tariffs against a softening labor market” · word for word
2 Mar 202610-KNet interest income $426M (+12% y/y); Net interest margin 3.84; Provision for credit losses $37M (+26% y/y)open
Figures in the filing · each found in the filing text
| Net interest income · FY2025 | $426M | +12% y/y |
| Net interest margin · FY2025 | 3.8% | |
| Provision for credit losses · FY2025 | $37M | +26% y/y |
| Net income · FY2025 | $152M | +7% y/y |
| Diluted EPS · FY2025 | $1.47 | +6% y/y |
| Total loans and leases · 2025-12-31 | $9.51B | +6% y/y |
| Total deposits · 2025-12-31 | $10.25B | +6% y/y |
| Nonperforming loans as % of total loans · 2025-12-31 | 1.0% | |
| Allowance for credit losses as % of loans · 2025-12-31 | 1.3% | |
| Return on average assets · FY2025 | 1.3% |
Risks flagged
Credit Quality Deterioration
“Nonperforming loans increased $30.3 million to $91.8 million at December 31, 2025, compared to $61.5 million at December 31, 2024.” · word for word
Interest Rate Sensitivity
“Our success depends, to a certain extent, upon local, national and global economic and political conditions, as well as governmental monetary policies.” · word for word
Regulatory Impact on Noninterest Income
“Card-related interchange income decreased $6.3 million in 2025 compared to 2024 resulting from a decline of $6.3 million in card-related interchange income as a result of the Company being subject to the Durbin Amendment to the Dodd-Frank Act for the full year of 2025 compared to six-months in 2024.”
28 Jan 20268-K · 2.02, 5.02, 7.01Net income $45M (+25% y/y); Diluted earnings per share $0.43 (+23% y/y); Net interest margin (FTE) 3.98earningsopen
Figures in the filing · each found in the filing text
| Net income · Q4-2025 | $45M | +25% y/y |
| Diluted earnings per share · Q4-2025 | $0.43 | +23% y/y |
| Net interest margin (FTE) · Q4-2025 | 4.0% | |
| Core pre-tax pre-provision net revenue · Q4-2025 | $63M | +23% y/y |
| Core efficiency ratio · Q4-2025 | 52.8% | |
| Return on average assets · Q4-2025 | 1.5% | |
| Net charge-offs · Q4-2025 | $11M | -18% y/y |
| Provision expense · Q4-2025 | $7M | +8% y/y |
Risks flagged
Asset quality stable but nonperforming loans increased $3.1M QoQ
“Total nonperforming loans increased $3.1 million from previous quarter; net charge-offs $11.3M” · word for word
1 Dec 20258-K · 7.01Share repurchase authorization $25M; Shares repurchased under prior program 1,560,477open
Figures in the filing · each found in the filing text
| Share repurchase authorization · Q4-2025 | $25M | |
| Shares repurchased under prior program · Q4-2025 | 1,560,477 |
10 Nov 202510-QFirst Commonwealth reported higher net income and net interest income for Q3 2025 compared to Q3 2024.earningsopen
Figures in the filing · each found in the filing text
| Net Interest Income · Q3-2025 | $111M | +15% y/y |
| Net Income · Q3-2025 | $41M | +29% y/y |
| Total Deposits · 2025-09-30 | $10.23B | |
| Portfolio Loans and Leases · 2025-09-30 | $9.69B | |
| Revenue · Q3-2025 | $163M | +5% y/y |
Risks flagged
Credit loss provision increase
“Provision for credit losses $11,327 vs $10,615 for the three months ended September 30, 2025 and 2024, respectively.”
28 Oct 20258-K · 2.02, 7.01Net income $41M (+29% y/y); Diluted EPS $0.39 (+26% y/y); Net Interest Margin (FTE) 3.92earningsopen
Figures in the filing · each found in the filing text
| Net income · Q3-2025 | $41M | +29% y/y |
| Diluted EPS · Q3-2025 | $0.39 | +26% y/y |
| Net Interest Margin (FTE) · Q3-2025 | 3.9% | |
| Core Pre-Tax Pre-Provision Net Revenue · Q3-2025 | $63M | +24% y/y |
| Return on Average Assets (ROA) · Q3-2025 | 1.3% |
Risks flagged
Net charge-offs increased to $12.2M in Q3 from $2.8M in Q2, driven by a specific commercial floorplan relationship.
“Net charge-offs on loans totaled $12.2 million, an increase of $9.5 million from the previous quarter, primarily due to a $5.5 milli” · word for word
Provision for credit losses increased to $11.3M from $8.9M in Q2 (excluding acquisition Day-1 provision).
“The provision for credit losses was $11.3 million, an increase of $2.4 million compared to the previous quarter” · word for word
First Commonwealth Financial Corporation — questions
- What did First Commonwealth Financial Corporation file recently?
- 13 SEC filings in the last 12 months. Latest: 8-K on 2026-09-17 — First Commonwealth Financial appoints Phillip J. Graves Jr. as Chief Accounting Officer and principal accounting officer, effective September 14, 2026; annual base salary $275,000.
Every figure on this page comes from First Commonwealth Financial Corporation's own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.