First Commonwealth Financial (FCF) director reports 21,435 shares held

Rhea-AI Filing Summary

First Commonwealth Financial Corp. director reports year-end holdings. Director Aradhna M. Oliphant reported beneficial ownership of 21,435 shares of First Commonwealth Financial Corp. common stock as of the fiscal year ended 12/31/2025, all held directly. This total includes 529 shares purchased through automatic dividend reinvestments in May, August and November 2025 under the company’s dividend reinvestment plan.

SEC Form 5

FORM 5

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

ANNUAL 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

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

Form 3 Holdings Reported.

Form 4 Transactions Reported.

1. Name and Address of Reporting Person^*

OLIPHANT ARADHNA M

(Last) (First) (Middle)

601 PHILADELPHIA STREET

(Street)

INDIANA PA 15701

(City) (State) (Zip)

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)

3. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2025

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

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 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 at end of Issuer's Fiscal Year (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
				Amount	(A) or (D)	Price
Common Stock							21,435(1)	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)
					(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Includes 529 shares purchased from the automatic reinvestment of dividends in May, August and November 2025 as a participant in First Commonwealth's dividend reinvestment plan.

Remarks:

	/s/ Matthew C. Tomb POA for Aradhna M. Oliphant	01/13/2026
	** 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.

FAQ

How many FCF shares does director Aradhna M. Oliphant report on this Form 5?

The Form 5 reports that director Aradhna M. Oliphant beneficially owned 21,435 shares of First Commonwealth Financial Corp. common stock at the end of the fiscal year on 12/31/2025, held directly.

Does the FCF Form 5 show any insider transactions during the year?

The Form 5 presents 21,435 shares of common stock as directly beneficially owned at year-end and highlights that this amount includes shares from dividend reinvestment, rather than detailing separate buy or sell transactions.

What portion of Aradhna M. Oliphant’s FCF holdings came from dividend reinvestment?

The filing notes that the reported total includes 529 shares purchased through the automatic reinvestment of dividends in May, August and November 2025 under First Commonwealth’s dividend reinvestment plan.

Is Aradhna M. Oliphant’s ownership in FCF direct or indirect?

According to the Form 5, all 21,435 shares of First Commonwealth Financial Corp. common stock are reported as directly owned, with no nature of indirect ownership indicated.

What is the reporting period covered by this FCF Form 5?

The Form 5 is an annual statement of changes in beneficial ownership and is stated to cover the issuer’s fiscal year ended 12/31/2025 for First Commonwealth Financial Corp.

What plan is mentioned in connection with additional FCF shares on this Form 5?

The filing explains that 529 of the reported shares were acquired through First Commonwealth’s dividend reinvestment plan, via automatic dividend reinvestments in May, August and November 2025.