The historical rank and industry rank for First Commonwealth Financial's EV-to-FCF or its related term are showing as below:
FRA:FCF'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.36 Med: 14.39 Max: 35.19
Current: 9.35
During the past 13 years, the highest EV-to-FCF of First Commonwealth Financial was 35.19. The lowest was 5.36. And the median was 14.39.
FRA:FCF's EV-to-FCF is ranked worse than 59.36% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs FRA:FCF: 9.35
EV-to-FCF 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 (FRA:FCF) EV-to-FCF Explanation
EV-to-FCF 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 €15.80.
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 €1.296.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Commonwealth Financial EV-to-FCF Related Terms
First Commonwealth Financial EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Commonwealth Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Commonwealth Financial's EV-to-FCF falls into.
First Commonwealth Financial's current Enterprise Value is €1,675.0 Mil.
First Commonwealth Financial's Free Cash Flow 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 €174.5 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 (FRA:FCF) has a EV-to-FCF of 9.60 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Commonwealth Financial and its competitors. This is 33% below median its historical median of 14.39. Over the past decade, First Commonwealth Financial's EV-to-FCF has ranged from 5.36 to 35.19. According to the industry distribution chart, First Commonwealth Financial ranks #710 out of 1196 companies in the Banks industry, placing it in the top 59.4%.
Is First Commonwealth Financial's EV-to-FCF too high?
First Commonwealth Financial's current EV-to-FCF of 9.60 is 33% below median its 10-year median of 14.39. Over the past 10 years, this metric has ranged from a low of 5.36 to a high of 35.19. The Banks industry median EV-to-FCF is 6.56. First Commonwealth Financial's value of 9.60 is 46.5% above this industry median. Based on the distribution chart, First Commonwealth Financial ranks #710 out of 1196 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-FCF compare to OFG and NBHC?
According to the Banks industry distribution chart, First Commonwealth Financial ranks #710 out of 1196 companies for EV-to-FCF. This places First Commonwealth Financial in the lower half of its industry. The industry median EV-to-FCF is 6.56. First Commonwealth Financial's value of 9.60 is 46.5% above this benchmark. Historically, First Commonwealth Financial's own EV-to-FCF has ranged from 5.36 to 35.19 over the past decade. While the company's 10-year median is 14.39 vs. the industry median of 6.56, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Commonwealth Financial's current EV-to-FCF of 9.60 is 46.5% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Commonwealth Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Commonwealth Financial's current EV-to-FCF is 9.60, which is 33% below median its own 10-year median of 14.39. 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 (FRA:FCF) is currently considered Modestly Overvalued. The stock's GF Value™ is €13.52, compared to a current price of €15.80 — trading 16.9% above its estimated fair value. The current EV-to-FCF is 9.60, which is 33% below median its 10-year median of 14.39 and 46.5% above the Banks industry median of 6.56. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Commonwealth Financial (FRA:FCF), the current EV-to-FCF is 9.60 as of Jun. 29, 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 (FRA:FCF) Overvalued in 2026?
Based on GuruFocus' analysis, First Commonwealth Financial stock appears to be overvalued.
The current stock price of €15.80 is trading 16.9% above its estimated GF Value™ of €13.52.
GuruFocus considers First Commonwealth Financial to be Modestly Overvalued.
Key valuation signals for FRA:FCF:
EV-to-FCF: 9.60 (33% below median its 10-year median of 14.39)
GF Value™: €13.52 vs. price of €15.80 (16.9% above fair value)
Industry Position: 46.5% above the Banks median (#710 of 1196)
No single metric tells the full story. See the FRA: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
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