First Commonwealth Financial Corporation filed its Form 10-Q for the quarterly period ended September 30, 2026, with the SEC on November 6, 2026, reporting third-quarter net income of $44.943 million and diluted earnings per share of $0.45.

Key Highlights

  • Net income: $44.943 million for the three months ended September 30, 2026, compared to $41.328 million in the same period of 2025.
  • Diluted EPS: $0.45 for Q3 2026, up from $0.39 in Q3 2025; nine-month diluted EPS was $1.25 versus $1.04 for the prior-year period.
  • Net interest income: $116.320 million for Q3 2026, compared to $111.123 million in Q3 2025; nine-month net interest income was $337.736 million versus $312.886 million.
  • Total assets: $12.197 billion at September 30, 2026, down from $12.343 billion at December 31, 2025.
  • Provision for credit losses: $14.188 million in Q3 2026, up from $11.327 million in Q3 2025.
  • Cash dividend declared: $0.140 per common share for Q3 2026, compared to $0.135 in Q3 2025.
  • Shares outstanding: 96,927,715 as of November 5, 2026, down from 102,840,771 at December 31, 2025.

First Commonwealth Reports Higher Q3 2026 Earnings on Wider Net Interest Income

According to the filing, First Commonwealth Financial Corporation (NYSE:FCF) reported net income of $44.943 million for the three months ended September 30, 2026, an increase from $41.328 million in the third quarter of 2025. For the nine months ended September 30, 2026, the company disclosed net income of $127.080 million, compared to $107.426 million in the prior-year nine-month period. Basic earnings per share were $0.45 for Q3 2026 versus $0.40 in Q3 2025.

The filing reported total interest income of $162.309 million and total interest expense of $45.989 million for the third quarter of 2026, yielding net interest income of $116.320 million. Total noninterest income was $26.727 million for Q3 2026, with contributions including trust income of $3.900 million, service charges on deposit accounts of $5.990 million, and gain on sale of mortgage loans of $2.512 million. Total noninterest expense for the quarter was $78.184 million, with salaries and employee benefits comprising $44.351 million of that amount.

At September 30, 2026, the company disclosed total assets of $12.197 billion and total deposits of $10.274 billion. Portfolio loans and leases stood at $9.538 billion, with an allowance for credit losses of $133.525 million. Total shareholders' equity was reported at $1.484 billion, compared to $1.554 billion at December 31, 2025. Treasury stock increased to $373.248 million (29,672,276 shares) from $251.264 million (23,759,220 shares) at year-end 2025, reflecting share repurchase activity during the nine-month period, according to the filing.

What Was Disclosed

First Commonwealth Financial filed its Q3 2026 10-Q disclosing quarterly net income of $44.943 million, diluted EPS of $0.45, net interest income of $116.320 million, total assets of $12.197 billion, and a provision for credit losses of $14.188 million for the period ended September 30, 2026.