FCF (First Commonwealth Financial) Margin of Safety % (DCF Earnings Based): 19.18% (As of Jun. 24, 2026)


FCF First Commonwealth Financial Corp FCF
71 GF Score
Price $20.19
GF Value $17.57
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First Commonwealth Financial Margin of Safety % (DCF Earnings Based)?

First Commonwealth Financial FCF +0.95% 71 Margin of Safety % (DCF Earnings Based) is 19.18% as of Jun. 24, 2026. GuruFocus rates FCF with a GF Score™ of 71/100 and a GF Value™ of $17.57 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), First Commonwealth Financial's Predictability Rank is 5-Stars. First Commonwealth Financial's intrinsic value calculated from the Discounted Earnings model is $24.98 and current share price is $20.19. Consequently,

First Commonwealth Financial's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 19.18%.

FCF vs OFG, STEL, NBHC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, First Commonwealth Financial's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, First Commonwealth Financial's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where First Commonwealth Financial's Margin of Safety % (DCF Earnings Based) falls into.


FCF
71GF Score
First Commonwealth Financial Corp FCF
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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First Commonwealth Financial Margin of Safety % (DCF Earnings Based) Calculation

First Commonwealth Financial's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(24.98-20.19)/24.98
=19.18 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 19.18% mean?
First Commonwealth Financial (FCF) has a Margin of Safety % (DCF Earnings Based) of 19.18% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on First Commonwealth Financial.
Is First Commonwealth Financial's Margin of Safety % (DCF Earnings Based) too high?
First Commonwealth Financial's current Margin of Safety % (DCF Earnings Based) is 19.18%. 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 Margin of Safety % (DCF Earnings Based) compare to OFG and STEL?
First Commonwealth Financial's Margin of Safety % (DCF Earnings Based) of 19.18% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on First Commonwealth Financial. First Commonwealth Financial's current Margin of Safety % (DCF Earnings Based) is 19.18%. 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 $17.57, compared to a current price of $20.19 — trading 14.9% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 19.18%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For First Commonwealth Financial (FCF), the current Margin of Safety % (DCF Earnings Based) is 19.18% as of Jun. 24, 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 $20.19 is trading 14.9% above its estimated GF Value™ of $17.57. GuruFocus considers First Commonwealth Financial to be Modestly Overvalued.

Key valuation signals for FCF:

  • Margin of Safety % (DCF Earnings Based): 19.18%
  • GF Value™: $17.57 vs. price of $20.19 (14.9% above fair value)
  • GF Score™: 71/100 with 6 warning signs

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 Business Description

Other Exchanges FCF:Germany
Address 601 Philadelphia Street, Indiana, PA, USA, 15701
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

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.19
Price
$17.57
GF Value