FCF (First Commonwealth Financial) Moat Score: 5/10 (As of Jun. 26, 2026)


FCF First Commonwealth Financial Corp FCF
71 GF Score
Price $20.53
GF Value $17.57
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First Commonwealth Financial Moat Score?

First Commonwealth Financial FCF +0.39% 71 Moat Score is 5 as of Jun. 26, 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. Among 1,610 Banks companies, First Commonwealth Financial ranks better than 93.98% on this metric.

First Commonwealth Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

First Commonwealth Financial has Narrow Moat: FCF has a solid narrow moat with a strong regional presence and customer loyalty. It benefits from economies of scale and a stable distribution network, but lacks the national scale or unique advantages to qualify for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Commonwealth Financial might have Narrow Moat - Solid narrow moat.

First Commonwealth Financial  (NYSE:FCF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Commonwealth Financial Moat Score Related Terms

FCF vs OFG, STEL, NBHC: Moat Score Comparison

For the Banks - Regional subindustry, First Commonwealth Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, First Commonwealth Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where First Commonwealth Financial's Moat Score falls into.


FCF
71GF Score
First Commonwealth Financial Corp FCF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
First Commonwealth Financial (FCF) has a Moat Score of 5 as of Jun. 26, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Commonwealth Financial ranks #97 out of 1610 companies in the Banks industry, placing it in the top 6%.
Is First Commonwealth Financial's Moat Score too high?
First Commonwealth Financial's current Moat Score is 5. Based on the distribution chart, First Commonwealth Financial ranks #97 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to OFG and STEL?
According to the Banks industry distribution chart, First Commonwealth Financial ranks #97 out of 1610 companies for Moat Score. This places First Commonwealth Financial in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Commonwealth Financial's current Moat Score is 5. 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 $20.53 — trading 16.8% above its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Commonwealth Financial (FCF), the current Moat Score is 5 as of Jun. 26, 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 $20.53 is trading 16.8% above its estimated GF Value™ of $17.57. GuruFocus considers First Commonwealth Financial to be Modestly Overvalued.

Key valuation signals for FCF:

  • Moat Score: 5
  • GF Value™: $17.57 vs. price of $20.53 (16.8% 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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.53
Price
$17.57
GF Value