FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF)
National Commercial Banks · Financial Services · $2.0B
Intrinsic Value (Consensus)
$23.54
Current Price
$19.65
Margin of Safety
+19.8%
19.8% Below Intrinsic Value
Value: $24
Price: $20
Valuation Model Estimates
Current Price: $19.65
DCF (Discounted Cash Flow)
$28.02
Graham Number
$22.49
Earnings Power Value
$14.27
Relative Value (P/E)
$29.40
Dividend Discount Model
$2.97
Consensus Value
$23.54
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.8%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
65
Profitability
15/25
Strength
24/25
Valuation
19/25
Growth
7/25
Financial Health Signals
Low debt — conservative balance sheet
High free cash flow yield (8.6%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.47
- EPS (Forward)
- $1.55
- Book Value
- $15.29
- P/E Ratio
- 20.0
- Forward P/E
- 18.9
- PEG Ratio
- —
- ROE
- 9.8%
- Debt/Equity
- 12%
- Revenue Growth
- N/A
- Earnings Growth
- 5.8%
- Dividend Yield
- 0.5%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance