FCF (First Commonwealth Financial) 5-Year Yield-on-Cost %: 3.25 (As of Jul. 05, 2026) — 12% Below Median


FCF First Commonwealth Financial Corp FCF
71 GF Score
Price $20.47
GF Value $17.60
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First Commonwealth Financial 5-Year Yield-on-Cost %?

First Commonwealth Financial FCF -1.40% 71 5-Year Yield-on-Cost % is 3.25 as of Jul. 05, 2026, which is 12% below its 10-year median of 3.69. GuruFocus rates FCF with a GF Scoreâ„¢ of 71/100 and a GF Valueâ„¢ of $17.60 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,256 Banks companies, First Commonwealth Financial ranks worse than 61.46% on this metric.

First Commonwealth Financial's yield on cost for the quarter that ended in Mar. 2026 was 3.25.


The historical rank and industry rank for First Commonwealth Financial's 5-Year Yield-on-Cost % or its related term are showing as below:

FCF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.3   Med: 3.69   Max: 7.09
Current: 3.25

During the past 13 years, First Commonwealth Financial's highest Yield on Cost was 7.09. The lowest was 2.30. And the median was 3.69.


FCF's 5-Year Yield-on-Cost % is ranked worse than
61.46% of 1256 companies
in the Banks industry
Industry Median: 3.905 vs FCF: 3.25

First Commonwealth Financial  (NYSE:FCF) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.

First Commonwealth Financial 5-Year Yield-on-Cost % Related Terms

FCF vs OFG, NBHC, STEL: 5-Year Yield-on-Cost % Comparison

For the Banks - Regional subindustry, First Commonwealth Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry

For the Banks industry and Financial Services sector, First Commonwealth Financial's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where First Commonwealth Financial's 5-Year Yield-on-Cost % falls into.


FCF
71GF Score
First Commonwealth Financial Corp FCF
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Commonwealth Financial 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of First Commonwealth Financial is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 3.25 mean?
First Commonwealth Financial (FCF) has a 5-Year Yield-on-Cost % of 3.25 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Commonwealth Financial and its competitors. This is 12% below median its historical median of 3.69. Over the past decade, First Commonwealth Financial's 5-Year Yield-on-Cost % has ranged from 2.30 to 7.09. According to the industry distribution chart, First Commonwealth Financial ranks #772 out of 1256 companies in the Banks industry, placing it in the top 61.5%.
Is First Commonwealth Financial's 5-Year Yield-on-Cost % too high?
First Commonwealth Financial's current 5-Year Yield-on-Cost % of 3.25 is 12% below median its 10-year median of 3.69. Over the past 10 years, this metric has ranged from a low of 2.30 to a high of 7.09. The Banks industry median 5-Year Yield-on-Cost % is 3.91. First Commonwealth Financial's value of 3.25 is 16.8% below this industry median. Based on the distribution chart, First Commonwealth Financial ranks #772 out of 1256 companies in the Banks industry, which is below the industry midpoint. Overall, First Commonwealth Financial has a GF Scoreâ„¢ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Commonwealth Financial's 5-Year Yield-on-Cost % compare to OFG and NBHC?
According to the Banks industry distribution chart, First Commonwealth Financial ranks #772 out of 1256 companies for 5-Year Yield-on-Cost %. This places First Commonwealth Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. First Commonwealth Financial's value of 3.25 is 16.8% below this benchmark. Historically, First Commonwealth Financial's own 5-Year Yield-on-Cost % has ranged from 2.30 to 7.09 over the past decade. While the company's 10-year median is 3.69 vs. the industry median of 3.91, First Commonwealth Financial has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Commonwealth Financial's current 5-Year Yield-on-Cost % of 3.25 is 16.8% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Commonwealth Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Commonwealth Financial's current 5-Year Yield-on-Cost % is 3.25, which is 12% below median its own 10-year median of 3.69. 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 $17.60, compared to a current price of $20.47 — trading 16.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.25, which is 12% below median its 10-year median of 3.69 and 16.8% below the Banks industry median of 3.91. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Commonwealth Financial (FCF), the current 5-Year Yield-on-Cost % is 3.25 as of Jul. 05, 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 $20.47 is trading 16.3% above its estimated GF Value™ of $17.60. GuruFocus considers First Commonwealth Financial to be Modestly Overvalued.

Key valuation signals for FCF:

  • 5-Year Yield-on-Cost %: 3.25 (12% below median its 10-year median of 3.69)
  • GF Value™: $17.60 vs. price of $20.47 (16.3% above fair value)
  • GF Score™: 71/100 with 6 warning signs
  • Industry Position: 16.8% below the Banks median (#772 of 1256)

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

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.47
Price
$17.60
GF Value