First Commonwealth Financial (FRA:FCF) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:FCF First Commonwealth Financial Corp FRA:FCF
72 GF Score
Price €17.50
GF Value €15.00
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First Commonwealth Financial Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of First Commonwealth Financial is: High Risk: High uncertainty with risk-return tradeoff.

First Commonwealth Financial  (FRA:FCF) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

First Commonwealth Financial Risk Assessment Related Terms

FRA:FCF vs OFG, NBHC, STEL: Risk Assessment Comparison

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

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

* The bar in red indicates where First Commonwealth Financial's Risk Assessment falls into.


FRA:FCF
72GF Score
First Commonwealth Financial Corp FRA:FCF
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 €17.50 is trading 16.7% above its estimated GF Value™ of €15.00. GuruFocus considers First Commonwealth Financial to be Modestly Overvalued.

Key valuation signals for FRA:FCF:

  • Risk Assessment:
  • GF Value™: €15.00 vs. price of €17.50 (16.7% above fair value)
  • GF Score™: 72/100 with 6 warning signs

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 Business Description

Other Exchanges FCF:USA
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.
72GF Score

Get the complete analysis for FRA:FCF

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

€17.50
Price
€15.00
GF Value