FCF

EX-99.1

2 fcf-ex991_20260728x8k.htm

EX-99.1 PRESS RELEASE

Document

Exhibit 99.1

FOR IMMEDIATE RELEASE

First Commonwealth Announces Second Quarter 2026 Earnings; Declares Quarterly Dividend and Announces Additional Share Repurchase Authorization

Indiana, PA, July 28, 2026 - First Commonwealth Financial Corporation (NYSE: FCF) today announced financial results for the second quarter of 2026.

Financial Summary

(dollars in thousands,For the Three Months EndedFor the Six Months Ended

except per share data)June 30,March 31,June 30,June 30,June 30,

20262026202520262025

Reported Results

Net income $44,589 $37,548 $33,402 $82,137 $66,098

Diluted earnings per share$0.44 $0.37 $0.32 $0.81 $0.64

Return on average assets1.47 %1.25 %1.11 %1.36 %1.12 %

Return on average equity11.44 %9.75 %8.97 %10.60 %9.12 %

Operating Results (non-GAAP)(1)

Core net income$44,427 $37,459 $39,496 $81,886 $72,276

Core diluted earnings per share$0.44 $0.37 $0.38 $0.80 $0.70

Core pre-tax pre-provision net revenue$64,999 $57,854 $58,677 $122,853 $105,556

Provision expense$8,931 $10,733 $8,898 $19,664 $18,393

Provision for credit losses - acquisition day 1 non-PCD$— $— $3,759 $— $3,759

Net charge-offs$11,441 $8,161 $2,758 $19,602 $5,856

Reserve build/(release)(2) $(1,758)$3,415 $13,035 $1,657 $14,060

Core return on average assets (ROAA)1.46 %1.24 %1.31 %1.35 %1.23 %

Core pre-tax pre-provision ROAA2.14 %1.92 %1.95 %2.03 %1.79 %

Return on average tangible common equity15.71 %13.47 %12.59 %14.60 %12.80 %

Core return on average tangible common equity15.66 %13.44 %14.82 %14.56 %13.96 %

Core efficiency ratio52.24 %55.43 %54.06 %53.80 %56.44 %

Net interest margin (FTE)4.01 %3.92 %3.83 %3.97 %3.73 %

(1)Core operating results are a non-GAAP measure used by management to measure performance in operating the business that management believes enhances investors' ability to better understand the underlying business performance and trends related to core business activities. A full reconciliation of non-GAAP financial measures may be found at the end of the financial statements which accompany this release.

(2)Reserve build/(release) represents the net change in the Company's allowance for credit losses (ACL) from the prior period.

Second Quarter 2026 Highlights

•GAAP Net income of $44.6 million and diluted earnings per share of $0.44 represented an increase of $7.0 million, or $0.07 per share, from the prior quarter and an increase of $11.2 million, or $0.12 per share, from the second quarter of 2025

▪Core net income(1) of $44.4 million and core earnings per share of $0.44 represented an increase of $7.0 million, or $0.07 per share, from the prior quarter and an increase of $4.9 million, or $0.06 per share, from the second quarter of 2025

▪Core pre-tax pre-provision net revenue (PPNR)(1) totaled $65.0 million, an increase of $7.1 million from the previous quarter and an increase of $6.3 million from the second quarter of 2025

•Net interest income (FTE) of $112.8 million increased $3.5 million from the previous quarter and increased $6.2 million from the second quarter of 2025

•Noninterest income (excluding securities gains of $0.3 million in 2Q26 and $0.2 million in 1Q26) of $26.7 million increased $2.3 million from the previous quarter and increased $1.9 million from the second quarter of 2025

•Noninterest expense (excluding merger-related expense of $0.1 million in 2Q26, $0.1 million in 1Q26 and $4.0 million in 2Q25) of $74.1 million decreased $1.3 million from the previous quarter and increased $1.8 million from the second quarter of 2025

•Average deposits increased $52.3 million, or 2.0% annualized, compared to the prior quarter

▪End-of period-deposits decreased $149.8 million, or 5.8% annualized, compared to the prior quarter

•Total loans increased $46.5 million, or 2.0% annualized, from the previous quarter

•The loan-to-deposit ratio increased to 92.7% at the end of the second quarter of 2026 as compared to 90.9% at the end of the previous quarter

•Tangible book value per share increased $0.24, or 8.5% annualized from the previous quarter

▪AOCI as a percentage of tangible common equity increased 14 basis points from the previous quarter to 6.04% in the second quarter of 2026

•First Commonwealth Bank (the Bank) has been named to TIME Magazine’s 2026 America's Best Companies list

Profitability

•The net interest margin of 4.01% increased nine basis points compared to the prior quarter and increased 18 basis points from the second quarter of 2025

•The core efficiency ratio(1) decreased 320 basis points to 52.24% compared to the prior quarter and decreased 183 basis points from the second quarter of 2025

•Core ROAA increased 22 basis points to 1.46% compared to the prior quarter and increased 15 basis points from the second quarter of 2025

•Core pre-tax pre-provision ROAA(1) increased 22 basis points to 2.14% compared to the prior quarter and increased 19 basis points from the second quarter of 2025

•Core re

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fcf-20260127falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282025FY000071253700007125372026-01-272026-01-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2026

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On January 27, 2026, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and twelve month periods ended December 31, 2025. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 5.02Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

On January 27, 2026, Norman Montgomery, Executive Vice President and Business Integration Group Manager of the Company and First Commonwealth Bank, notified the Company that he intends to retire on May 1, 2026.

Item 7.01Regulation FD Disclosure

On January 27, 2026, the Company announced a cash dividend of $0.135 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and twelve month periods ended December 31, 2025. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference. On January 27, 2026, the Company announced that its Board of Directors authorized an additional $25.0 million share repurchase program of the Company's common stock. Under the program, management is authorized to repurchase shares through Rule 10b5-1 plans, open market purchases, privately negotiated transactions, block purchases or otherwise in a manner that is intended to comply with applicable federal securities laws, including Rule 10b-18 of the Securities Exchange Act of 1934. The Company may suspend or discontinue the program at any time. A copy of the press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Fourth Quarter 2025 Financial Results, Declaration of Quarterly Dividend, Increase Share Repurchase Authorization.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: January 28, 2026

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20251028falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282025FY000071253700007125372025-10-282025-10-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2025

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On October 28, 2025, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and nine month periods ended September 30, 2025. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On October 28, 2025, the Company announced a cash dividend of $0.135 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and nine month periods ended September 30, 2025. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Third Quarter 2025 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: October 28, 2025

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20250729falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282025FY000071253700007125372025-07-292025-07-29

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2025

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On July 29, 2025, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and six month periods ended June 30, 2025. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On July 29, 2025, the Company announced a cash dividend of $0.135 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and six month periods ended June 30, 2025. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Second Quarter 2025 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: July 29, 2025

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20250429falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282025FY000071253700007125372025-04-292025-04-29

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2025

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On April 29, 2025, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three month period ended March 31, 2025. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On April 29, 2025, the Company announced a cash dividend of $0.135 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three month period ended March 31, 2025. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing First Quarter 2025 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: April 29, 2025

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20250128falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282024FY000071253700007125372025-01-282025-01-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2025

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On January 28, 2025, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and twelve month periods ended December 31, 2024. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On January 28, 2025, the Company announced a cash dividend of $0.13 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and twelve month periods ended December 31, 2024. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Fourth Quarter 2024 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: January 28, 2025

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20241029falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282024FY000071253700007125372024-10-292024-10-29

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2024

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On October 29, 2024, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and nine month periods ended September 30, 2024. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On October 29, 2024, the Company announced a cash dividend of $0.13 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and nine month periods ended September 30, 2024. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Third Quarter 2024 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: October 29, 2024

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20240723falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282024FY000071253700007125372024-07-232024-07-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2024

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On July 23, 2024, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and six month periods ended June 30, 2024. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On July 23, 2024, the Company announced a cash dividend of $0.13 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and six month periods ended June 30, 2024. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Second Quarter 2024 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: July 23, 2024

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20240423falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282024FY000071253700007125372024-04-232024-04-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2024

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On April 23, 2024, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three month period ended March 31, 2024. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On April 23, 2024, the Company announced a cash dividend of $0.13 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three month period ended March 31, 2024. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing First Quarter 2024 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: April 23, 2024

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20240130falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282023FY000071253700007125372024-01-302024-01-30

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2024

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On January 30, 2024, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and twelve month periods ended December 31, 2023. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On January 30, 2024, the Company announced a cash dividend of $0.125 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and twelve month periods ended December 31, 2023. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Fourth Quarter 2023 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: January 30, 2024

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20231024falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282023FY000071253700007125372023-10-242023-10-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 24, 2023

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On October 24, 2023, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and nine month periods ended September 30, 2023. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On October 24, 2023, the Company announced a cash dividend of $0.125 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and nine month periods ended September 30, 2023. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Third Quarter 2023 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: October 24, 2023

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20230725falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282023FY000071253700007125372023-07-252023-07-25

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2023

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On July 25, 2023, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and six month periods ended June 30, 2023. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On July 25, 2023, the Company announced a cash dividend of $0.125 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and six month periods ended June 30, 2023. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Second Quarter 2023 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: July 25, 2023

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20230425falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282023FY000071253700007125372023-04-252023-04-25

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 25, 2023

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On April 25, 2023, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three month period ended March 31, 2023. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On April 25, 2023, the Company announced a cash dividend of $0.125 per share of the Company’s common stock and a $25 million increase in the share repurchase program of the Company's common stock. Both are included in the press release announcing financial results for the three month period ended March 31, 2023. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing First Quarter 2023 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: April 25, 2023

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20230124falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282022FY000071253700007125372023-01-242023-01-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2023

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On January 24, 2023, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and twelve month periods ended December 31, 2022. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On January 24, 2023, the Company announced a cash dividend of $0.12 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and twelve month periods ended December 31, 2022. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Fourth Quarter 2022 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: January 24, 2023

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20221025falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282022FY000071253700007125372022-10-252022-10-25

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 25, 2022

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street Indiana, PA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On October 25, 2022, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and nine month periods ended September 30, 2022. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On October 25, 2022, the Company announced a cash dividend of $0.12 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and nine month periods ended September 30, 2022. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Third Quarter 2022 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: October 25, 2022

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20220726falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282022FY000071253700007125372022-07-262022-07-26

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2022

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street IndianaPA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On July 26, 2022, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and six month periods ended June 30, 2022. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On July 26, 2022, the Company announced a cash dividend of $0.12 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and six month periods ended June 30, 2022. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Second Quarter 2022 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: July 26, 2022

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20220426falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282022FY000071253700007125372022-04-262022-04-26

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2022

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street IndianaPA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $1.00 par valueFCFNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On April 26, 2022, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three month period ended March 31, 2022. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On April 26, 2022, the Company announced a cash dividend of $0.12 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three month period ended March 31, 2022. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing First Quarter 2022 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: April 26, 2022

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20220125falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282021FY000071253700007125372022-01-252022-01-25

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2022

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street IndianaPA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On January 25, 2022, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and twelve month periods ended December 31, 2021. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On January 25, 2022, the Company announced a cash dividend of $0.115 per share of the Company’s common stock. The dividend declaration is included in the press release announcing financial results for the three and twelve month periods ended December 31, 2021. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Fourth Quarter 2021 Financial Results and Declaration of Quarterly Dividend.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: January 25, 2022

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer

fcf-20211026falseFIRST COMMONWEALTH FINANCIAL CORP /PA/25-14285282021FY000071253700007125372021-10-262021-10-26

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2021

First Commonwealth Financial Corporation (Exact name of registrant as specified in its charter)

Pennsylvania001-1113825-1428528 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

601 Philadelphia Street IndianaPA15701 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (724) 349-7220 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐     Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐     Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On October 26, 2021, First Commonwealth Financial Corporation (the “Company”) issued a press release announcing financial results for the three and nine month periods ended September 30, 2021. A copy of this press release and the related earnings tables are furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 7.01Regulation FD Disclosure

On October 26, 2021, the Company announced a cash dividend of $0.115 per share of the Company’s common stock and a new $25 million share repurchase program of the Company's common stock. Both are included in the press release announcing financial results for the three and nine month periods ended September 30, 2021. A copy of this press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

Item 9.01Financial Statements and Exhibits

Exhibits

99.1 Press Release announcing Third Quarter 2021 Financial Results; Declares Quarterly Dividend and Authorization of a $25 Million Share Repurchase Program.

104Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Dated: October 26, 2021

FIRST COMMONWEALTH FINANCIAL CORPORATION

By:   /s/ James R. Reske Name: James R. Reske Title: Executive Vice President, Chief Financial Officer and Treasurer