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If a character takes a standard or full-round action, the remaining duration that the character can hold her breath is reduced by 1 round. After this period of time, the character must make a DC 10 Constitution check every round in order to continue holding her breath.Reading this it implies to me that a character could theoretically cast while underwater, because the water would not function as a silence spell nor necessarily impede the verbal component of a spell. It might involve a Constitution check and a concentration check. For example, if a character in heavy armor tried to cast water breathing or water walk on himself.
Is this correct?
Rules for Casting underwater
Spellcasting Underwater: Casting spells while submerged can be difficult for those who cannot breathe underwater. A creature that cannot breathe water must make a concentration check (DC 15 + spell level) to cast a spell underwater (this is in addition to the caster level check to successfully cast a fire spell underwater). Creatures that can breathe water are unaffected and can cast spells normally. Some spells might function differently underwater, subject to GM discretion.
I'd laugh pretty hard if a player tried to cast under water, and it wasn't purely somatic (and they weren't an aquatic race of course).
The most shocking one I've seen, from a power gamer, was a wizard who cast a ray, while being eaten by a huge giant. Passed the concentration check, it was very high, he almost finished it off too, but it chewed and chowed down and that was that.
Protip: do not go chase a Fomorian giant on your own in dense woods. Even if they are injured.