What is First Commonwealth Financial OCF Margin %?
First Commonwealth FinancialFCF +0.95%71 OCF Margin % is 65.01% as of Mar. 2026, which is 100% above its 10-year median of 32.56. 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 1,501 Banks companies, First Commonwealth Financial ranks better than 66.09% on this metric.
* 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Commonwealth Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where First Commonwealth Financial's OCF Margin % falls into.
* 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 OCF Margin % of 65.01% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Commonwealth Financial and its competitors. This is 100% above median its historical median of 32.56. Over the past decade, First Commonwealth Financial's OCF Margin % has ranged from 27.08 to 42.84. According to the industry distribution chart, First Commonwealth Financial ranks #509 out of 1501 companies in the Banks industry, placing it in the top 33.9%.
Is First Commonwealth Financial's OCF Margin % too high?
First Commonwealth Financial's current OCF Margin % of 65.01% is 100% above median its 10-year median of 32.56. Over the past 10 years, this metric has ranged from a low of 27.08 to a high of 42.84. The Banks industry median OCF Margin % is 29.44. First Commonwealth Financial's value of 65.01% is 120.8% above this industry median. Based on the distribution chart, First Commonwealth Financial ranks #509 out of 1501 companies in the Banks industry, which is above 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 OCF Margin % compare to OFG and STEL?
According to the Banks industry distribution chart, First Commonwealth Financial ranks #509 out of 1501 companies for OCF Margin %. This puts First Commonwealth Financial in the upper half of its industry. The industry median OCF Margin % is 29.44. First Commonwealth Financial's value of 65.01% is 120.8% above this benchmark. Historically, First Commonwealth Financial's own OCF Margin % has ranged from 27.08 to 42.84 over the past decade. While the company's 10-year median is 32.56 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Commonwealth Financial's current OCF Margin % of 65.01% is 120.8% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Commonwealth Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Commonwealth Financial's current OCF Margin % is 65.01%, which is 100% above median its own 10-year median of 32.56. 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 OCF Margin % is 65.01%, which is 100% above median its 10-year median of 32.56 and 120.8% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First Commonwealth Financial (FCF), the current OCF Margin % is 65.01% as of Mar. 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:
OCF Margin %: 65.01% (100% above median its 10-year median of 32.56)
GF Value™: $17.57 vs. price of $20.19 (14.9% above fair value)
Industry Position: 120.8% above the Banks median (#509 of 1501)
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
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