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First Commonwealth FinancialFCF +0.53%71 EV-to-OCF is 8.85 as of Jul. 25, 2026, which is 29% below its 10-year median of 12.55. GuruFocus rates FCF with a GF Score™ of 71/100 and a GF Value™ of $17.66 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,495 Banks companies, First Commonwealth Financial ranks worse than 67.16% on this metric.
The historical rank and industry rank for First Commonwealth Financial's EV-to-OCF or its related term are showing as below:
FCF'
s EV-to-OCF Range Over the Past 10 Years
Min: 4.78 Med: 12.55 Max: 32.27
Current: 8.85
During the past 13 years, the highest EV-to-OCF of First Commonwealth Financial was 32.27. The lowest was 4.78. And the median was 12.55.
FCF's EV-to-OCF is ranked worse than 67.16% of 1495
companies
in the Banks industry
Industry Median: 3.73
vs FCF: 8.85
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Commonwealth Financial (NYSE:FCF) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Commonwealth Financial's PE Ratio (TTM) for today is calculated as:
First Commonwealth Financial's share price for today is $20.87.
First Commonwealth Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.510.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Commonwealth Financial EV-to-OCF Related Terms
First Commonwealth Financial EV-to-OCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Commonwealth Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Commonwealth Financial EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First Commonwealth Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First Commonwealth Financial's EV-to-OCF falls into.
First Commonwealth Financial's current Enterprise Value is $1,934.1 Mil.
First Commonwealth Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $218.5 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Commonwealth Financial (FCF) has a EV-to-OCF of 8.85 as of Jul. 25, 2026. This is 29% below median its historical median of 12.55. Over the past decade, First Commonwealth Financial's EV-to-OCF has ranged from 4.78 to 32.27. According to the industry distribution chart, First Commonwealth Financial ranks #1004 out of 1495 companies in the Banks industry, placing it in the top 67.2%.
Is First Commonwealth Financial's EV-to-OCF too high?
First Commonwealth Financial's current EV-to-OCF of 8.85 is 29% below median its 10-year median of 12.55. Over the past 10 years, this metric has ranged from a low of 4.78 to a high of 32.27. The Banks industry median EV-to-OCF is 3.73. First Commonwealth Financial's value of 8.85 is 137.3% above this industry median. Based on the distribution chart, First Commonwealth Financial ranks #1004 out of 1495 companies in the Banks industry, which is below the industry midpoint. Overall, First Commonwealth Financial has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Commonwealth Financial's EV-to-OCF compare to OFG and NBHC?
According to the Banks industry distribution chart, First Commonwealth Financial ranks #1004 out of 1495 companies for EV-to-OCF. This places First Commonwealth Financial in the lower half of its industry. The industry median EV-to-OCF is 3.73. First Commonwealth Financial's value of 8.85 is 137.3% above this benchmark. Historically, First Commonwealth Financial's own EV-to-OCF has ranged from 4.78 to 32.27 over the past decade. While the company's 10-year median is 12.55 vs. the industry median of 3.73, First Commonwealth Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.73, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Commonwealth Financial's current EV-to-OCF of 8.85 is 137.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Commonwealth Financial's current EV-to-OCF is 8.85, which is 29% below median its own 10-year median of 12.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Commonwealth Financial stock overvalued right now?
Based on GuruFocus' analysis, First Commonwealth Financial (FCF) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.66, compared to a current price of $20.87 — trading 18.2% above its estimated fair value. The current EV-to-OCF is 8.85, which is 29% below median its 10-year median of 12.55 and 137.3% above the Banks industry median of 3.73. First Commonwealth Financial's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Commonwealth Financial (FCF), the current EV-to-OCF is 8.85 as of Jul. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Commonwealth Financial (FCF) Overvalued in 2026?
Based on GuruFocus' analysis, First Commonwealth Financial stock appears to be overvalued.
The current stock price of $20.87 is trading 18.2% above its estimated GF Value™ of $17.66.
GuruFocus considers First Commonwealth Financial to be Modestly Overvalued.
Key valuation signals for FCF:
EV-to-OCF: 8.85 (29% below median its 10-year median of 12.55)
GF Value™: $17.66 vs. price of $20.87 (18.2% above fair value)
Industry Position: 137.3% above the Banks median (#1004 of 1495)
No single metric tells the full story. See the FCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Commonwealth Financial Corp functions in the financial services sector in the United States. Through its subsidiary, it offers a range of consumer and commercial banking services such as personal checking accounts, interest-earning checking accounts, savings accounts, insured money market accounts, investment certificates, fixed & variable rate certificates of deposit, and various kinds of loans. It also provides trust and wealth management services and offers insurance products. The company earns the majority of its revenue through net interest income.
71GF Score
Get the complete analysis for FCF
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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