FIRST FINANCIAL BANCORP (FFBC) Fundamental Analysis & Valuation

NASDAQ:FFBC • US3202091092

Current stock price

29.5 USD
+0.11 (+0.37%)
At close:
29.5 USD
0 (0%)
After Hours:

This FFBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FFBC Profitability Analysis

1.1 Basic Checks

  • In the past year FFBC was profitable.
  • In the past year FFBC had a positive cash flow from operations.
  • In the past 5 years FFBC has always been profitable.
  • In the past 5 years FFBC always reported a positive cash flow from operatings.
FFBC Yearly Net Income VS EBIT VS OCF VS FCFFFBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • The Return On Assets of FFBC (1.21%) is better than 75.60% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.23%, FFBC is in line with its industry, outperforming 50.13% of the companies in the same industry.
Industry RankSector Rank
ROA 1.21%
ROE 9.23%
ROIC N/A
ROA(3y)1.3%
ROA(5y)1.29%
ROE(3y)9.97%
ROE(5y)9.93%
ROIC(3y)N/A
ROIC(5y)N/A
FFBC Yearly ROA, ROE, ROICFFBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FFBC has a Profit Margin of 28.42%. This is in the better half of the industry: FFBC outperforms 66.58% of its industry peers.
  • FFBC's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FFBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.42%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.55%
PM growth 5Y3.32%
GM growth 3YN/A
GM growth 5YN/A
FFBC Yearly Profit, Operating, Gross MarginsFFBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. FFBC Health Analysis

2.1 Basic Checks

  • FFBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, FFBC has more shares outstanding
  • Compared to 5 years ago, FFBC has more shares outstanding
  • FFBC has a better debt/assets ratio than last year.
FFBC Yearly Shares OutstandingFFBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
FFBC Yearly Total Debt VS Total AssetsFFBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • The Debt to FCF ratio of FFBC is 1.62, which is an excellent value as it means it would take FFBC, only 1.62 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of FFBC (1.62) is comparable to the rest of the industry.
  • FFBC has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.19, FFBC perfoms like the industry average, outperforming 44.83% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.62
Altman-Z N/A
ROIC/WACCN/A
WACC13.63%
FFBC Yearly LT Debt VS Equity VS FCFFFBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FFBC Yearly Current Assets VS Current LiabilitesFFBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FFBC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 10.83% over the past year.
  • FFBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.89% yearly.
  • FFBC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.65%.
  • Measured over the past years, FFBC shows a small growth in Revenue. The Revenue has been growing by 6.86% on average per year.
EPS 1Y (TTM)10.83%
EPS 3Y4.51%
EPS 5Y9.89%
EPS Q2Q%-5.88%
Revenue 1Y (TTM)7.65%
Revenue growth 3Y8.27%
Revenue growth 5Y6.86%
Sales Q2Q%6.47%

3.2 Future

  • Based on estimates for the next years, FFBC will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.11% on average per year.
  • Based on estimates for the next years, FFBC will show a quite strong growth in Revenue. The Revenue will grow by 10.46% on average per year.
EPS Next Y15.64%
EPS Next 2Y14.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.68%
Revenue Next 2Y10.46%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FFBC Yearly Revenue VS EstimatesFFBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
FFBC Yearly EPS VS EstimatesFFBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. FFBC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.09 indicates a reasonable valuation of FFBC.
  • 71.88% of the companies in the same industry are more expensive than FFBC, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.18, FFBC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.59, the valuation of FFBC can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, FFBC is valued a bit cheaper than the industry average as 74.54% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of FFBC to the average of the S&P500 Index (37.96), we can say FFBC is valued rather cheaply.
Industry RankSector Rank
PE 11.09
Fwd PE 9.59
FFBC Price Earnings VS Forward Price EarningsFFBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 72.68% of the companies in the same industry are more expensive than FFBC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.73
EV/EBITDA N/A
FFBC Per share dataFFBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • FFBC's earnings are expected to grow with 14.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.71
PEG (5Y)1.12
EPS Next 2Y14.11%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. FFBC Dividend Analysis

5.1 Amount

  • FFBC has a Yearly Dividend Yield of 3.35%.
  • Compared to an average industry Dividend Yield of 2.53, FFBC pays a bit more dividend than its industry peers.
  • FFBC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.35%

5.2 History

  • The dividend of FFBC has a limited annual growth rate of 1.28%.
  • FFBC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • FFBC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.28%
Div Incr Years2
Div Non Decr Years11
FFBC Yearly Dividends per shareFFBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • FFBC pays out 37.03% of its income as dividend. This is a sustainable payout ratio.
  • FFBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP37.03%
EPS Next 2Y14.11%
EPS Next 3YN/A
FFBC Yearly Income VS Free CF VS DividendFFBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
FFBC Dividend Payout.FFBC Dividend Payout, showing the Payout Ratio.FFBC Dividend Payout.PayoutRetained Earnings

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FFBC Fundamentals: All Metrics, Ratios and Statistics

FIRST FINANCIAL BANCORP

NASDAQ:FFBC (4/13/2026, 8:25:35 PM)

After market: 29.5 0 (0%)

29.5

+0.11 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-23
Inst Owners77.86%
Inst Owner Change-0.02%
Ins Owners0.95%
Ins Owner Change2.6%
Market Cap3.09B
Revenue(TTM)899.48M
Net Income(TTM)255.60M
Analysts76.92
Price Target32.79 (11.15%)
Short Float %3.38%
Short Ratio3.59
Dividend
Industry RankSector Rank
Dividend Yield 3.35%
Yearly Dividend0.98
Dividend Growth(5Y)1.28%
DP37.03%
Div Incr Years2
Div Non Decr Years11
Ex-Date03-02
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.44%
Min EPS beat(2)-2.18%
Max EPS beat(2)13.05%
EPS beat(4)2
Avg EPS beat(4)0.11%
Min EPS beat(4)-15.7%
Max EPS beat(4)13.05%
EPS beat(8)4
Avg EPS beat(8)-2.71%
EPS beat(12)6
Avg EPS beat(12)-1.95%
EPS beat(16)8
Avg EPS beat(16)-1.08%
Revenue beat(2)0
Avg Revenue beat(2)-7.25%
Min Revenue beat(2)-8.52%
Max Revenue beat(2)-5.99%
Revenue beat(4)1
Avg Revenue beat(4)-5.57%
Min Revenue beat(4)-8.64%
Max Revenue beat(4)0.88%
Revenue beat(8)3
Avg Revenue beat(8)-3.87%
Revenue beat(12)4
Avg Revenue beat(12)-3%
Revenue beat(16)6
Avg Revenue beat(16)-2.17%
PT rev (1m)0.45%
PT rev (3m)7.74%
EPS NQ rev (1m)-0.22%
EPS NQ rev (3m)-3.4%
EPS NY rev (1m)-0.24%
EPS NY rev (3m)-2.4%
Revenue NQ rev (1m)-0.36%
Revenue NQ rev (3m)-2.52%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)-1.8%
Valuation
Industry RankSector Rank
PE 11.09
Fwd PE 9.59
P/S 3.43
P/FCF 9.73
P/OCF 9.13
P/B 1.11
P/tB 1.99
EV/EBITDA N/A
EPS(TTM)2.66
EY9.02%
EPS(NY)3.08
Fwd EY10.43%
FCF(TTM)3.03
FCFY10.28%
OCF(TTM)3.23
OCFY10.95%
SpS8.6
BVpS26.48
TBVpS14.83
PEG (NY)0.71
PEG (5Y)1.12
Graham Number39.81
Profitability
Industry RankSector Rank
ROA 1.21%
ROE 9.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.42%
GM N/A
FCFM 35.25%
ROA(3y)1.3%
ROA(5y)1.29%
ROE(3y)9.97%
ROE(5y)9.93%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.55%
PM growth 5Y3.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.62
Debt/EBITDA N/A
Cap/Depr 65.21%
Cap/Sales 2.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 124.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC13.63%
ROIC/WACCN/A
Cap/Depr(3y)71.7%
Cap/Depr(5y)61.4%
Cap/Sales(3y)2.57%
Cap/Sales(5y)2.42%
Profit Quality(3y)136.77%
Profit Quality(5y)135.82%
High Growth Momentum
Growth
EPS 1Y (TTM)10.83%
EPS 3Y4.51%
EPS 5Y9.89%
EPS Q2Q%-5.88%
EPS Next Y15.64%
EPS Next 2Y14.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.65%
Revenue growth 3Y8.27%
Revenue growth 5Y6.86%
Sales Q2Q%6.47%
Revenue Next Year16.68%
Revenue Next 2Y10.46%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y31.53%
FCF growth 3Y19.25%
FCF growth 5Y27.69%
OCF growth 1Y28.88%
OCF growth 3Y18.94%
OCF growth 5Y25.18%

FIRST FINANCIAL BANCORP / FFBC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FIRST FINANCIAL BANCORP (FFBC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FFBC.


Can you provide the valuation status for FIRST FINANCIAL BANCORP?

ChartMill assigns a valuation rating of 6 / 10 to FIRST FINANCIAL BANCORP (FFBC). This can be considered as Fairly Valued.


How profitable is FIRST FINANCIAL BANCORP (FFBC) stock?

FIRST FINANCIAL BANCORP (FFBC) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for FFBC stock?

The Price/Earnings (PE) ratio for FIRST FINANCIAL BANCORP (FFBC) is 11.09 and the Price/Book (PB) ratio is 1.11.


Can you provide the financial health for FFBC stock?

The financial health rating of FIRST FINANCIAL BANCORP (FFBC) is 2 / 10.