First Commonwealth (NASDAQ: FCF) EVP details initial stock ownership

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

FIRST COMMONWEALTH FINANCIAL CORP executive Matthew T. Zuro filed an initial ownership report showing his holdings of the company’s common stock. He directly owns 50,096 shares and indirectly owns 650 shares through an IRA. The filing notes multiple restricted stock awards scheduled to vest between 2027 and 2029 under existing Restricted Stock Agreements.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Zuro Matthew T.

Role EVP / Regional Banking

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 50,096 shares (Direct); Common Stock — 650 shares (Indirect, IRA)

Footnotes (1)

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Key Figures

Direct common shares: 50,096 shares Indirect IRA shares: 650 shares Restricted stock vesting: 4,000 shares +4 more

7 metrics

Direct common shares 50,096 shares Directly owned common stock as of reported date

Indirect IRA shares 650 shares Indirect ownership via IRA

Restricted stock vesting 4,000 shares Vests in single installment on February 20, 2027

Restricted stock vesting 15,000 shares Vests in single installment on March 25, 2027

Restricted stock vesting 4,000 shares Vests in single installment on February 18, 2028

Installment restricted stock 15,000 shares Vests in equal installments on April 1, 2027, 2028 and 2029

Restricted stock vesting 4,500 shares Vests in single installment on February 23, 2029

Key Terms

Securities Beneficially Owned, restricted stock, Restricted Stock Agreements, IRA

4 terms

Securities Beneficially Owned financial

"Securities Beneficially Owned includes 4,000 shares of restricted stock..."

restricted stock financial

"shares of restricted stock which vest in a single installment..."

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

Restricted Stock Agreements financial

"subject to the terms of Restricted Stock Agreements entered into between the Issuer and the Reporting Person"

IRA financial

"nature_of_ownership": "IRA""

An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.

Understanding Insider Trading Forms →

04/08/2026 - 02:24 PM

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Zuro Matthew T.

(Last)

(First)

(Middle)

601 PHILADELPHIA STREET

(Street)

INDIANA

PENNSYLVANIA

15701

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
04/01/2026

3. Issuer Name and Ticker or Trading Symbol
FIRST COMMONWEALTH FINANCIAL CORP /PA/ [ FCF ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	EVP / Regional Banking

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	50,096⁽¹⁾	D
Common Stock	650	I	IRA

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)

Explanation of Responses:

1. Securities Beneficially Owned includes 4,000 shares of restricted stock which vest in a single installment on February 20, 2027; 15,000 shares of restricted stock which vest in a single installment on March 25, 2027; 4,000 shares of restricted stock which vest in a single installment on February 18, 2028; 15,000 shares of restricted stock which vest in equal installments on each of April 1, 2027, April 1, 2028 and April 1, 2029; and 4,500 shares of restricted stock which vest in a single installment on February 23, 2029, in each case subject to the terms of Restricted Stock Agreements entered into between the Issuer and the Reporting Person.

Remarks:

Exhibit 24 - Power of Attorney

	/s/ Matthew C. Tomb POA for Matthew T. Zuro	04/08/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

Source: View Original Filing on SEC EDGAR

FAQ

What does the Form 3 filing by FCF executive Matthew T. Zuro show?

The Form 3 shows Matthew T. Zuro’s initial beneficial ownership in First Commonwealth Financial common stock, including direct holdings, indirect IRA holdings, and several restricted stock awards that vest between 2027 and 2029 under Restricted Stock Agreements.

How many FCF shares does Matthew T. Zuro directly own according to this Form 3?

The filing reports that Matthew T. Zuro directly owns 50,096 shares of First Commonwealth Financial common stock. This figure reflects his beneficial ownership as of the reported date and excludes additional indirect and restricted stock positions described in the footnotes.

What indirect FCF holdings does Matthew T. Zuro report on this Form 3?

The Form 3 shows that Matthew T. Zuro indirectly owns 650 shares of First Commonwealth Financial common stock through an IRA. These shares are reported separately from his direct holdings, indicating ownership through a retirement account structure.

What restricted stock awards for FCF does Matthew T. Zuro hold?

The filing’s footnote lists several restricted stock awards: 4,000 shares vesting February 20, 2027; 15,000 vesting March 25, 2027; 4,000 vesting February 18, 2028; 15,000 vesting in three annual installments starting April 1, 2027; and 4,500 vesting February 23, 2029.

When will Matthew T. Zuro’s FCF restricted stock awards vest?

The awards vest on specific future dates: February 20, 2027; March 25, 2027; February 18, 2028; April 1, 2027, 2028 and 2029 for an installment grant; and February 23, 2029. Each vesting is governed by Restricted Stock Agreements with the company.

Does this FCF Form 3 show any stock purchases or sales by Matthew T. Zuro?

No purchases or sales are indicated. The entries are coded as holdings, and the transaction summary shows no buy or sell transactions, only two holding entries that describe his direct and indirect beneficial ownership positions in First Commonwealth Financial common stock.