FCF Valuation

First Commonwealth Financial Corp

Add to Watchlist

Advanced Chart

17.750

-0.06(-0.337%)1D

Overview
Forecast
Valuation
Earnings

FCF Relative Valuation

FCF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, FCF is overvalued; if below, it's undervalued.

Historical Valuation

First Commonwealth Financial Corp (FCF) is now in the Fair zone, suggesting that its current forward PE ratio of 10.51 is considered Fairly compared with the five-year average of 10.11. The fair price of First Commonwealth Financial Corp (FCF) is between 17.47 to 21.55 according to relative valuation methord.

Relative Value

Fair Zone

17.47-21.55

Current Price：17.81

Fair

10.47

Trailing

Forward

0.00

EV/EBITDA

First Commonwealth Financial Corp. (FCF) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

First Commonwealth Financial Corp. (FCF) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.37

First Commonwealth Financial Corp. (FCF) has a current PS of 3.37. The 5-year average PS is 3.10. The thresholds are as follows: Strongly Undervalued below 2.19, Undervalued between 2.19 and 2.65, Fairly Valued between 3.56 and 2.65, Overvalued between 3.56 and 4.02, and Strongly Overvalued above 4.02. The current Forward PS of 3.37 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

First Commonwealth Financial Corp. (FCF) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

First Commonwealth Financial Corp. (FCF) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

First Commonwealth Financial Corp (FCF) has a current Price-to-Book (P/B) ratio of 1.23. Compared to its 3-year average P/B ratio of 1.15 , the current P/B ratio is approximately 6.28% higher. Relative to its 5-year average P/B ratio of 1.17, the current P/B ratio is about 5.20% higher. First Commonwealth Financial Corp (FCF) has a Forward Free Cash Flow (FCF) yield of approximately 7.32%. Compared to its 3-year average FCF yield of 8.84%, the current FCF yield is approximately -17.24% lower. Relative to its 5-year average FCF yield of 9.21% , the current FCF yield is about -20.59% lower.

1.22

P/B

Median3y

1.15

Median5y

1.17

7.32

FCF Yield

Median3y

8.84

Median5y

9.21

Competitors Valuation Multiple

The average P/S ratio for FCF's competitors is 3.75, providing a benchmark for relative valuation. First Commonwealth Financial Corp Corp (FCF) exhibits a P/S ratio of 3.37, which is -9.98% above the industry average. Given its robust revenue growth of 14.24%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

FCF.N

First Commonwealth Financial Corp

Bank of NT Butterfield & Son Ltd

Live Oak Bancshares Inc

Lakeland Financial Corp

Coastal Financial Corp (EVERETT)

2.74

-19.06%

1.73B

Performance Decomposition

Market capitalization of FCF increased by 4.16% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 106.87M to 122.09M.

The secondary factor is the P/E Change, contributed 11.07%to the performance.

Overall, the performance of FCF in the past 1 year is driven by Revenue Growth. Which is more sustainable.

14.24%

106.87M → 122.09M

Revenue Growth

-21.15%

34.70 → 27.36

Margin Expansion

11.07%

12.29 → 13.65

P/E Change

4.16%