Director Ray T. Charley (NYSE: FCF) receives 2,790-share stock retainer

Rhea-AI Filing Summary

CHARLEY RAY T reported acquisition or exercise transactions in this Form 4 filing.

First Commonwealth Financial Corp. director Ray T. Charley received a grant of 2,790 shares of common stock as payment of his director retainer under the First Commonwealth Financial Corporation Director Retainer Plan, based on the NYSE closing price of $18.41 on 04.30.26.

After this grant, he directly and indirectly holds 337,687 shares, including 18,000 shares in a family trust for which he serves as trustee. This is a routine equity compensation award rather than an open-market share purchase.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider CHARLEY RAY T

Role null

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	2,790	$18.41	$51K

Holdings After Transaction: Common Stock — 337,687 shares (Direct, null)

Footnotes (1)

1. Shares issued as payment of Mr. Charley's retainer for service as a director pursuant to the First Commonwealth Financial Corporation Director Retainer Plan (based on NYSE/FCF closing price on 04.30.26). Includes 18,000 shares held in a family trust of which Mr. Charley is a trustee.

Key Figures

Shares granted: 2,790 shares Grant valuation price: $18.41 per share Total shares after transaction: 337,687 shares +1 more

4 metrics

Shares granted 2,790 shares Director retainer stock grant on Form 4

Grant valuation price $18.41 per share Based on NYSE/FCF closing price on April 30, 2026

Total shares after transaction 337,687 shares Mr. Charley’s direct and indirect holdings following grant

Family trust holdings 18,000 shares Held in a family trust where Mr. Charley is trustee

Key Terms

Director Retainer Plan, family trust, grant/award acquisition

3 terms

Director Retainer Plan financial

"payment of Mr. Charley's retainer for service as a director pursuant to the First Commonwealth Financial Corporation Director Retainer Plan"

family trust financial

"Includes 18,000 shares held in a family trust of which Mr. Charley is a trustee."

grant/award acquisition financial

"transaction_action: grant/award acquisition for 2,790.0000 shares of Common Stock"

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

CHARLEY RAY T

(Last) (First) (Middle)

601 PHILADELPHIA STREET

(Street)

INDIANA PENNSYLVANIA 15701

(City) (State) (Zip)

UNITED STATES

(Country)

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

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

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/01/2026

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

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

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

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/01/2026		A(1)		2,790	A	$18.41(1)	337,687(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares issued as payment of Mr. Charley's retainer for service as a director pursuant to the First Commonwealth Financial Corporation Director Retainer Plan (based on NYSE/FCF closing price on 04.30.26).

2. Includes 18,000 shares held in a family trust of which Mr. Charley is a trustee.

Remarks:

	/s/ Matthew C. Tomb POA for Ray T. Charley	05/01/2026
	** 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 4 (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 4: SEC 1474 (03-26)

FAQ

What insider transaction did First Commonwealth (FCF) report for Ray T. Charley?

Ray T. Charley received 2,790 shares of First Commonwealth common stock as a director retainer. The shares were issued under the company’s Director Retainer Plan and represent equity compensation, not an open-market stock purchase or sale.

How many First Commonwealth (FCF) shares were granted and at what price?

Mr. Charley was granted 2,790 shares of First Commonwealth common stock valued at $18.41 per share. The valuation was based on the NYSE closing price for FCF on April 30, 2026, as specified in the director retainer footnote.

How many First Commonwealth (FCF) shares does Ray T. Charley hold after this Form 4?

Following the grant, Mr. Charley holds a total of 337,687 First Commonwealth shares. This total includes both his directly held common stock and 18,000 shares held in a family trust where he serves as trustee.

Is the reported First Commonwealth (FCF) transaction a market purchase or compensation grant?

The transaction is a compensation grant, not a market purchase. The company issued 2,790 shares to Mr. Charley as payment of his director retainer under the Director Retainer Plan, using the NYSE closing price on April 30, 2026 to determine the share amount.

What does the family trust holding mean in Ray T. Charley’s First Commonwealth (FCF) ownership?

The filing notes that Mr. Charley’s holdings include 18,000 shares in a family trust, where he is a trustee. These shares count toward his total reported ownership, reflecting indirect beneficial ownership in addition to his directly held common stock.