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AI brief of an SEC Form 8-K · First Commonwealth Financial (FCF)

First Commonwealth Q4 net income falls to $35.8 million; EPS $0.35 vs $0.44 a year ago

Negative Impact 3 of 5 earnings Written later

First Commonwealth Financial reported fourth-quarter 2024 net income of $35.8 million, or $0.35 per diluted share, down from $44.8 million, or $0.44 per share, in the fourth quarter of 2023 but up from $32.1 million in the third quarter of 2024. For the full year, net income was $142.6 million, or $1.39 per share, compared with $157.1 million, or $1.54 per share, in 2023. The company also declared a quarterly dividend of $0.13 per share, which is 4.0% above the fourth quarter of 2023.

Key points

  • Q4 2024 net income $35.8 million, $0.35 diluted EPS, versus $44.8 million, $0.44 in Q4 2023 and $32.1 million, $0.31 in Q3 2024
  • Full-year 2024 net income $142.6 million, $1.39 diluted EPS, versus $157.1 million, $1.54 in 2023
  • Quarterly cash dividend of $0.13 per share, payable February 21, 2025 to shareholders of record as of February 7, 2025
  • Q4 2024 net charge-offs of $13.7 million, up from $8.8 million in Q3 2024; conference call scheduled for January 29, 2025 at 2:00 PM ET

The filing

CompanyFirst Commonwealth Financial (FCF)
Form8-K, current report
Filed with the SECJan 28, 2025, 5:08 PM ET
Accession number0000712537-25-000018

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 1:55 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 28, 2025.

Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.