Page 1

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 FORM 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file Number 001-11138 FIRST COMMONWEALTH FINANCIAL CORPORATION ( Exact name of registrant as specified in its charter ) PENNSYLVANIA ( State or other jurisdiction of incorporation or organization ) 601 PHILADELPHIA STREET INDIANA , PA ( Address of principal executive offices ) 25-1428528 ( I.R.S. Employer Identification No. ) 15701 ( Zip Code ) Registrant's telephone number , including area code : ( 724 ) 349-7220 Securities registered pursuant to Section 12 ( b ) of the Act : Name of each exchange on which registered NEW YORK STOCK EXCHANGE Title of each class COMMON STOCK , $ 1 PAR VALUE Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes x No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No x Note Checking the box above will not relieve any registrant required to file reports pursuant to Section 13 or 15 ( d ) of the Exchange Act from their obligations under those Sections . Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes x No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes x No¨ Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S - K is not contained herein , and will not be contained , to the best of registrant's knowledge , in definitive proxy or information statements incorporated by reference in Part III of this Form 10 - K or any amendment to this form 10 - K . " Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer x Accelerated filer Non - accelerated filer Smaller reporting company Emerging growth company □ If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . □ Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . Yes □ No x The aggregate market value of the voting and non - voting common stock , par value $ 1 per share , held by non - affiliates of the registrant ( based upon the closing sale price on June 30 , 2020 ) was approximately $ 799,866,969 . The number of shares outstanding of the registrant's common stock , $ 1.00 Par Value as of February 25 , 2021 , was 96,162,202 . DOCUMENTS INCORPORATED BY REFERENCE Portions of the definitive Proxy Statement to be filed with the Securities and Exchange Commission in connection with the annual meeting of shareholders to be held April 23 , 2021 are incorporated by reference into Part III .