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

First Commonwealth Q1 profit falls from Q4 to $37.5 million; dividend up 3.7%

Mixed Impact 3 of 5 earnings Written later

First Commonwealth Financial reported first-quarter 2026 net income of $37.5 million, or $0.37 per diluted share, down from $44.9 million ($0.43) in the fourth quarter of 2025 but up from $32.7 million ($0.32) a year earlier. Its board raised the quarterly cash dividend 3.7% to $0.14 per share, while the provision for credit losses rose to $10.7 million from $7.0 million in the prior quarter.

Key points

  • Net income was $37.5 million, or $0.37 per diluted share, versus $44.9 million ($0.43) in Q4 2025 and $32.7 million ($0.32) in Q1 2025.
  • Provision for credit losses was $10.7 million, up from $7.0 million in Q4 2025, driven by a $4.2 million increase in reserves for individually analyzed commercial credits.
  • Quarterly dividend increased to $0.14 per share, payable May 22, 2026 to shareholders of record as of May 8, 2026.
  • Net interest margin was 3.92%, down from 3.98% in Q4 2025 and up from 3.62% in Q1 2025.

The filing

CompanyFirst Commonwealth Financial (FCF)
Form8-K, current report
Filed with the SECApr 28, 2026, 8:42 AM ET
Accession number0000712537-26-000018

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, 1:54 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 April 28, 2026.

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.