FCF at a glance
FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF, SEC CIK 712537) filed its latest 10-K annual report on March 2, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on September 17, 2026 and Form 4 insider filings as recently as October 6, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) reported revenue of $632.7 million (up 5.4% from FY2024) and net income of $152.3 million. Diluted EPS was $1.47.
- The most recent insider open-market sale reported on Form 4 was by Reske James R on October 5, 2026 of 699 shares at $20.51 per share.
- In the last 90 days, FCF insiders reported 0 open-market purchases ($0) and 46 open-market sales ($994K) on Form 4, a net sale of $994K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $632.7M
- +5.4% vs prior year
- Insiders · 90 days
- 0 buys · 46 sells
- Net −$994K
- Latest 8-K
- Sep 17, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Regional financial services and banking operations
- Strategic focus on shareholder returns, evidenced by cumulative stock return of 82.5% from 2020 to 2025
- Significant share repurchase program executed in Q4 2025, buying back 1,432,386 shares at average $15.93
- Insider trading policy implemented aligning with NYSE compliance standards
- No new product lines or service segments introduced in this filing year
Risk Factors
- Interest rate risk from Federal Open Market Committee policy affecting net interest income sensitivity to rate fluctuations
- Geographic concentration in Pennsylvania and Ohio markets exposes to regional economic downturn risks
- Dependency on mortgage-backed securities portfolio performance vulnerable to interest rate changes impacting fair value
- Competitive threat from regional banks increasing loan and deposit pricing pressure in core Pennsylvania markets
- Earnings and cash flow volatility risk from mismatched timing of interest rate changes on assets versus liabilities
Management Discussion & Analysis
- Revenue $732.6M in 2025, $680.9M in 2024 (Net interest income $427.5M up 12% YoY; Other income $101.2M down $2.4M)
- Net income $152.3M vs $142.6M, ROAE 10.15% vs 10.44%, ROAA 1.26% vs 1.22%, net interest margin 3.84% vs 3.55%
- Best segment: Net interest income driven by loans; Loans grew to $9.5B; Worst: Other income declined $2.4M due to Durbin Amendment impact
- Provision for credit losses $36.7M up $7.6M; allowance for credit losses $125.8M stable at 1.32% of loans; net charge-offs $29.4M down $1.8M
- Capital allocation: $36.5M stock buybacks, dividends per share $0.535 up from $0.515, capital expenditures not detailed
- Outlook: Management highlights risk from macroeconomic factors impacting credit losses; significant loan book with 49% variable rates; no formal guidance disclosed
AI summary of the FCF 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Cash dividends declared $0.275 per common share for six months ended June 30, 2026
- Total risk-based capital ratio 15.10% at June 30, 2026 versus 10.50% minimum
- Common equity Tier I ratio 12.64% versus 7.00% minimum requirement
- Subordinated debt $50 million outstanding, increasing total risk-based capital ratio by 50 basis points
- Quarterly dividend declared $0.14 per share, payable August 21, 2026
Risk Factors
- Risk Factors section not provided; no new or changed risks identifiable
- Share repurchases totaling $12.049 million in second-quarter 2026
- $50.0 million authorized repurchase programs approved in December 2025 and February 2026
AI summary of the FCF 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Phillip J. Graves Jr. appointed Chief Accounting Officer and principal accounting officer effective September 14, 2026
- Graves brings KPMG senior-manager experience from October 2021 through August 2026
Item 5.03: Amendments to Articles of Incorporation or Bylaws
- Shareholder nominations now require proxy solicitation from holders representing at least 67% of voting power
- Higher nomination threshold may increase barriers to shareholder-led director contests
Item 2.02: Results of Operations and Financial Condition
- Q2 and first-half 2026 financial results announced for periods ended June 30, 2026
- Earnings press release and detailed tables furnished in Exhibit 99.1
Item 7.01: Regulation FD Disclosure
- $0.14 per-share cash dividend announced for shareholders
- Additional $75.0 million share repurchase authorization expands capital return capacity
Item EX-99.1: Item EX-99.1
- Q2 net income $44.6M and diluted EPS $0.44, up from $37.5M and $0.37 sequentially
- Net interest margin expanded to 4.01%, up 9 basis points sequentially and 18 basis points year over year
AI summaries of FCF 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for FCF
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Reske James R | Sell | Oct 5, 2026 | 699 | $20.51 |
| Reske James R | Sell | Oct 5, 2026 | 306 | $20.50 |
| Reske James R | Sell | Oct 5, 2026 | 366 | $20.53 |
| Reske James R | Sell | Oct 5, 2026 | 100 | $20.52 |
| Reske James R | Sell | Oct 5, 2026 | 200 | $20.54 |
| Reske James R | Sell | Oct 5, 2026 | 401 | $20.52 |
| McCuen Michael P | F | Sep 11, 2026 | 2,312 | - |
| Reske James R | Sell | Sep 4, 2026 | 70 | $21.16 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $530.0M | $600.5M | $632.7M |
| Net Income | $157.1M | $142.6M | $152.3M |
| Net Margin | 29.6% | 23.7% | 24.1% |
| Balance Sheet | |||
| Total Assets | $11.5B | $11.6B | $12.3B |
| Equity | $1.3B | $1.4B | $1.6B |
| ROE | 12.0% | 10.1% | 9.8% |
| Per Share | |||
| EPS | - | $1.39 | $1.47 |
| Cash Flow | |||
| Operating CF | $150.8M | $129.5M | $187.5M |
| CapEx | $22.0M | $15.5M | $16.1M |
Source: XBRL data in FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
FCF filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 6, 2026 | - | - | - |
| 8-K | Sep 17, 2026 | - | Analysis | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 4, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 13F-HR | Aug 12, 2026 | Jun 30, 2026 | - | |
| 4 | Aug 10, 2026 | - | - | - |
| 4 | Aug 10, 2026 | - | - | - |
| 10-Q | Aug 10, 2026 | Jun 30, 2026 | Analysis | |
| SC 13G | Aug 7, 2026 | - | - | |
| 4 | Aug 6, 2026 | - | - | - |
| 8-K | Jul 31, 2026 | - | Analysis | - |
| 8-K | Jul 28, 2026 | - | Analysis | - |
| 4 | Jul 7, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jun 8, 2026 | - | - | |
| 4 | Jun 4, 2026 | - | - | |
| 4 | May 18, 2026 | - | - | |
| 13F-HR | May 14, 2026 | Mar 31, 2026 | - | |
| 10-Q | May 11, 2026 | Mar 31, 2026 | Analysis | |
| 4 | May 6, 2026 | - | - | |
| 4 | May 4, 2026 | - | - | - |
| 4 | May 4, 2026 | - | - | - |
| 4 | May 1, 2026 | - | - | - |
| 4 | May 1, 2026 | - | - | - |
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FCF SEC filings: frequently asked questions
Are FCF insiders buying or selling?
In the last 90 days, FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) officers, directors and 10% owners reported no open-market purchases and 46 open-market sales worth $993,848 by 3 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
What was FCF's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) reported revenue of $632.7 million (up 5.4% from FY2024) and net income of $152.3 million. Diluted EPS was $1.47. The figures come from the XBRL data in the 10-K.
What are the main risks in FCF's latest 10-K?
In the 10-K filed March 2, 2026, FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) flagged: Interest rate risk from Federal Open Market Committee policy affecting net interest income sensitivity to rate fluctuations. Geographic concentration in Pennsylvania and Ohio markets exposes to regional economic downturn risks. (AI summary of the Risk Factors section.)
What did FCF report in its latest 8-K?
FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) filed an 8-K on September 17, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Phillip J. Graves Jr. appointed Chief Accounting Officer and principal accounting officer effective September 14, 2026.
What are the latest FCF SEC filings?
FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) filed its latest 10-K annual report on March 2, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on September 17, 2026 and a Form 4 insider filing on October 6, 2026.
What is FCF's SEC CIK number?
FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF)'s SEC Central Index Key (CIK) is 712537. EDGAR lists every FCF filing under that number.
Ask anything about FCF
The research agent reads FCF's filings, financials, insider trades and 13F holders, then answers with sources.