First Commonwealth Financial Corporation Q3 2025 Earnings and Dividend Announcement

First Commonwealth Financial Corporation (NYSE: FCF) reported its financial results for the third quarter of 2025, announcing a net income of $41.3 million, or $0.39 per diluted share, compared to $33.4 million, or $0.32 per diluted share, in the previous quarter. The company also declared a quarterly cash dividend of $0.135 per share, representing a 3.9% increase from the third quarter of 2024. Key highlights include a 9 basis point expansion in the net interest margin to 3.92%, a 5.7% annualized increase in total loans, and a 4.0% annualized growth in average deposits. The core efficiency ratio improved to 52.3%, reflecting disciplined expense management. The company's asset quality metrics also showed improvement, with nonperforming loans decreasing by $10.8 million from the previous quarter.