First Financial Bancorp. (FFBC)

NMS – Real Time Price. Currency in USD

34.17

+0.17 (0.50%)

Market open: Aug 12, 2026, 12:24 PM EDT

34.00

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 34$
Day's range: 33.58 - 34.09$
52-week range: 23.06 - 36.25$
Volume: 490 628
Average volume: 752 816
Beta: 0.28
EPS (TTM): 2.86
PE ratio (TTM): 12.01
Forward P/E: 11.22
Market cap: 3 568 943 985
Shares outstanding: 104 968 941
Dividend yield: $2.94 (2.94%)
Next earnings date: 2026-10-22
Sector: Financials
Industry: Banks - Regional

About the company

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and c... read more

CEO: Archie Brown
Country: United States
IPO Date
Employees: 2199
Fiscal Year End: January - December
Website: https://www.bankatfirst.com

Revenue Breakdown

Commercial Banking and Other Banking and Banking-related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: FFBC

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Overall Score

5 / 1050%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $992.1M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.3) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.10	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.33	0.05	7.0
Debt to Assets	0.04	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	775M	1.12B	1.23B	1.26B	1.37B
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	242M	319M	268M	321M	358M
Net Income	218M	256M	229M	256M	285M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	35.75	0.44	10
Net margin %	28.94	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.36	1.46	3.0
ROE	10.13	14.94	7.0
ROIC	8.83	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	15.71	8.01	7.5
Next quarter	15.07	26.4	9.5
Current year	19.99	13.88	8.5
Next year	10.47	11.57	7.0
Weighted average score			8.1

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-2.63	2.7	2.82	369.2	4.8
Y/Y	12.98	9.23	0	914.31	6.3
3y average	18.83	6.24	5.67	42.48	7.3
5y average	13.56	11.29	11.82	75.77	8.0
Weighted average score					6.6

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	11.88	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.40	3.37	4.4
P/B	1.18	1.53	7.0
Weighted average score			4.8

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR9.07%

FCF 5 year CAGR4

Fair value70.5$

Stock price33.905$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.84	3.84	8.0
Payout ratio	31.92	31.92	5.0
5-year dividend growth rate	1.27	1.27	3.0
Years of dividend increase	2.00	2.00	3.0
Weighted average score			4.8

Fair Value

$70.5

UndervaluedStock priceOvervalued

$33.905

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Archie Brown

Country

United States

IPO Date

Employees

2199

Fiscal Year End

January - December

Website

https://www.bankatfirst.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.10

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.33

0.05

7.0

Debt to Assets

0.04

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

775M

1.12B

1.23B

1.26B

1.37B

Gross Profit

N/A

Operating Income

242M

319M

268M

321M

358M

Net Income

218M

256M

229M

256M

285M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

35.75

0.44

Net margin %

28.94

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.36

1.46

3.0

ROE

10.13

14.94

7.0

ROIC

8.83

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

15.71

8.01

7.5

Next quarter

15.07

26.4

9.5

Current year

19.99

13.88

8.5

Next year

10.47

11.57

7.0

Weighted average score

8.1

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-2.63

2.7

2.82

369.2

4.8

Y/Y

12.98

9.23

914.31

6.3

3y average

18.83

6.24

5.67

42.48

7.3

5y average

13.56

11.29

11.82

75.77

8.0

Weighted average score

6.6

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

11.88

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.40

3.37

4.4

P/B

1.18

1.53

7.0

Weighted average score

4.8

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.84

8.0

Payout ratio

31.92

5.0

5-year dividend growth rate

1.27

3.0

Years of dividend increase

2.00

3.0

Weighted average score

4.8

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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First Financial Bancorp. (FFBC)

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First Financial Bancorp. (FFBC)

Stock details

About the company

Revenue Breakdown

News

Chart: FFBC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$70.5

$33.905

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: FFBC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$70.5

$33.905

Economic Moat