First Commonwealth Financial (FCF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Commonwealth Financial stock (FCF) is currently trading at $17.20. First Commonwealth Financial PE ratio is 11.46. First Commonwealth Financial PS ratio (Price-to-Sales) is 3.60. Analyst consensus price target for FCF is $20.33. WallStSmart rates FCF as Buy.
- FCF PE ratio analysis and historical PE chart
- FCF PS ratio (Price-to-Sales) history and trend
- FCF intrinsic value — DCF, Graham Number, EPV models
- FCF stock price prediction 2025 2026 2027 2028 2029 2030
- FCF fair value vs current price
- FCF insider transactions and insider buying
- Is FCF undervalued or overvalued?
- First Commonwealth Financial financial analysis — revenue, earnings, cash flow
- FCF Piotroski F-Score and Altman Z-Score
- FCF analyst price target and Smart Rating
First Commonwealth Financial
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FCF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Commonwealth Financial (FCF)
FCF trades at a significant discount to its Graham intrinsic value of $63.62, offering a 71% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Commonwealth Financial (FCF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
First Commonwealth Financial (FCF) Key Strengths (6)
Keeps $47 of every $100 in revenue after operating costs
Keeps $31 of every $100 in revenue as net profit
77.84% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.11x book value, attractively priced
Strong earnings growth at 22.80% per year
Supporting Valuation Data
First Commonwealth Financial (FCF) Areas to Watch (4)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.60x sales
Solid revenue growth at 14.80% per year
First Commonwealth Financial (FCF) Detailed Analysis Report
Overall Assessment
This company scores 76/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.0/10) while 4 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including PEG Ratio (1.46), Price/Book (1.11) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 46.50%, Profit Margin at 31.40%. Growth metrics are encouraging with EPS Growth at 22.80%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.60) suggest expensive pricing. Growth concerns include Revenue Growth at 14.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.30%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.30% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 14.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FCF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FCF's Price-to-Sales ratio of 3.60x sits near its historical average of 3.13x (69th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 32% below its historical high of 5.29x set in Dec 2016, and 200% above its historical low of 1.2x in Nov 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Commonwealth Financial (FCF) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Commonwealth Financial is a mature, profitable business with steady cash generation. Revenue reached 486M with 15% growth year-over-year. Profit margins are strong at 31.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1030.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 31.4% and operating margin of 46.5% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 321.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 410M is significantly higher than cash (103M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Commonwealth Financial.
Bottom Line
First Commonwealth Financial is a well-established business delivering consistent profitability with 31.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Commonwealth Financial(FCF)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Commonwealth Financial Corporation, a financial holding company, provides a variety of consumer and commercial banking services to individuals and small and medium-sized businesses in the United States. The company is headquartered in Indiana, Pennsylvania.