25.775 USD
-0.32 (-1.21%)
Overall FFBC gets a fundamental rating of 5 out of 10. We evaluated FFBC against 387 industry peers in the Banks industry. While FFBC is still in line with the averages on profitability rating, there are concerns on its financial health. FFBC has a correct valuation and a medium growth rate. FFBC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year FFBC was profitable.
FFBC had a positive operating cash flow in the past year.
In the past 5 years FFBC has always been profitable.
FFBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FFBC (1.39%) is better than 85.53% of its industry peers.
With a decent Return On Equity value of 9.81%, FFBC is doing good in the industry, outperforming 62.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.39% | ||
| ROE | 9.81% | ||
| ROIC | N/A |
ROA(3y)1.32%
ROA(5y)1.24%
ROE(3y)10.44%
ROE(5y)9.45%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of FFBC (29.18%) is better than 75.45% of its industry peers.
FFBC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FFBC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.18% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.94%
PM growth 5Y-3.17%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FFBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FFBC has been increased compared to 1 year ago.
The number of shares outstanding for FFBC has been reduced compared to 5 years ago.
Compared to 1 year ago, FFBC has an improved debt to assets ratio.
2.2 Solvency
FFBC has a debt to FCF ratio of 0.99. This is a very positive value and a sign of high solvency as it would only need 0.99 years to pay back of all of its debts.
The Debt to FCF ratio of FFBC (0.99) is better than 66.93% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that FFBC is not too dependend on debt financing.
FFBC has a better Debt to Equity ratio (0.10) than 67.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FFBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.38%, which is quite good.
FFBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.32% yearly.
The Revenue has grown by 8.98% in the past year. This is quite good.
FFBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.30% yearly.
EPS 1Y (TTM)16.38%
EPS 3Y4.39%
EPS 5Y2.32%
EPS Q2Q%36.36%
Revenue 1Y (TTM)8.98%
Revenue growth 3Y10.25%
Revenue growth 5Y6.3%
Sales Q2Q%6.39%
3.2 Future
FFBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.25% yearly.
The Revenue is expected to grow by 10.46% on average over the next years. This is quite good.
EPS Next Y11.35%
EPS Next 2Y14.6%
EPS Next 3Y12.25%
EPS Next 5YN/A
Revenue Next Year8.86%
Revenue Next 2Y13.92%
Revenue Next 3Y10.46%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.55, the valuation of FFBC can be described as reasonable.
Based on the Price/Earnings ratio, FFBC is valued cheaply inside the industry as 84.50% of the companies are valued more expensively.
FFBC is valuated cheaply when we compare the Price/Earnings ratio to 27.00, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.18, the valuation of FFBC can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FFBC indicates a rather cheap valuation: FFBC is cheaper than 86.30% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of FFBC to the average of the S&P500 Index (23.70), we can say FFBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.55 | ||
| Fwd PE | 8.18 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FFBC indicates a somewhat cheap valuation: FFBC is cheaper than 70.03% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.41 | ||
| EV/EBITDA | N/A |
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 12.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
PEG (5Y)4.12
EPS Next 2Y14.6%
EPS Next 3Y12.25%
5. Dividend
5.1 Amount
FFBC has a Yearly Dividend Yield of 4.00%.
FFBC's Dividend Yield is rather good when compared to the industry average which is at 2.78. FFBC pays more dividend than 81.65% of the companies in the same industry.
FFBC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
5.2 History
The dividend of FFBC has a limited annual growth rate of 0.66%.
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)0.66%
Div Incr Years1
Div Non Decr Years10
5.3 Sustainability
36.11% of the earnings are spent on dividend by FFBC. This is a low number and sustainable payout ratio.
The dividend of FFBC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.11%
EPS Next 2Y14.6%
EPS Next 3Y12.25%
NASDAQ:FFBC (1/9/2026, 3:45:41 PM)
25.775
-0.32 (-1.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.87%
Inst Owner Change-0.03%
Ins Owners0.94%
Ins Owner Change-1.99%
Market Cap2.54B
Revenue(TTM)884.98M
Net Income(TTM)258.21M
Analysts76.92
Price Target30.43 (18.06%)
Short Float %2.91%
Short Ratio4.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
Yearly Dividend0.94
Dividend Growth(5Y)0.66%
DP36.11%
Div Incr Years1
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.53%
Min EPS beat(2)-2.18%
Max EPS beat(2)5.25%
EPS beat(4)2
Avg EPS beat(4)-2.59%
Min EPS beat(4)-15.7%
Max EPS beat(4)5.25%
EPS beat(8)3
Avg EPS beat(8)-4.75%
EPS beat(12)6
Avg EPS beat(12)-2.72%
EPS beat(16)8
Avg EPS beat(16)-1.8%
Revenue beat(2)1
Avg Revenue beat(2)-3.82%
Min Revenue beat(2)-8.52%
Max Revenue beat(2)0.88%
Revenue beat(4)2
Avg Revenue beat(4)-3.67%
Min Revenue beat(4)-8.64%
Max Revenue beat(4)1.61%
Revenue beat(8)3
Avg Revenue beat(8)-3.75%
Revenue beat(12)5
Avg Revenue beat(12)-2.05%
Revenue beat(16)6
Avg Revenue beat(16)-1.8%
PT rev (1m)0%
PT rev (3m)0.79%
EPS NQ rev (1m)-14.33%
EPS NQ rev (3m)-3.51%
EPS NY rev (1m)-4.99%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)1.25%
Revenue NQ rev (3m)5.32%
Revenue NY rev (1m)0.48%
Revenue NY rev (3m)1.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.55 | ||
| Fwd PE | 8.18 | ||
| P/S | 2.87 | ||
| P/FCF | 9.41 | ||
| P/OCF | 8.77 | ||
| P/B | 0.96 | ||
| P/tB | 1.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY10.48%
EPS(NY)3.15
Fwd EY12.23%
FCF(TTM)2.74
FCFY10.63%
OCF(TTM)2.94
OCFY11.41%
SpS8.98
BVpS26.71
TBVpS15.74
PEG (NY)0.84
PEG (5Y)4.12
Graham Number40.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.39% | ||
| ROE | 9.81% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.18% | ||
| GM | N/A | ||
| FCFM | 30.51% |
ROA(3y)1.32%
ROA(5y)1.24%
ROE(3y)10.44%
ROE(5y)9.45%
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-5.94%
PM growth 5Y-3.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 67.83% | ||
| Cap/Sales | 2.23% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 104.56% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.79%
ROIC/WACCN/A
Cap/Depr(3y)64.7%
Cap/Depr(5y)58.27%
Cap/Sales(3y)2.45%
Cap/Sales(5y)2.47%
Profit Quality(3y)124.06%
Profit Quality(5y)123%
High Growth Momentum
Growth
EPS 1Y (TTM)16.38%
EPS 3Y4.39%
EPS 5Y2.32%
EPS Q2Q%36.36%
EPS Next Y11.35%
EPS Next 2Y14.6%
EPS Next 3Y12.25%
EPS Next 5YN/A
Revenue 1Y (TTM)8.98%
Revenue growth 3Y10.25%
Revenue growth 5Y6.3%
Sales Q2Q%6.39%
Revenue Next Year8.86%
Revenue Next 2Y13.92%
Revenue Next 3Y10.46%
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 1Y-28.06%
FCF growth 3Y-13.71%
FCF growth 5Y7.83%
OCF growth 1Y-27.1%
OCF growth 3Y-12.44%
OCF growth 5Y7.07%
FIRST FINANCIAL BANCORP / FFBC FAQ
What is the ChartMill fundamental rating of FIRST FINANCIAL BANCORP (FFBC) stock?
ChartMill assigns a fundamental rating of 5 / 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.
What is the profitability of FFBC stock?
FIRST FINANCIAL BANCORP (FFBC) has a profitability rating of 4 / 10.
What is the expected EPS growth for FIRST FINANCIAL BANCORP (FFBC) stock?
The Earnings per Share (EPS) of FIRST FINANCIAL BANCORP (FFBC) is expected to grow by 11.35% in the next year.
Can you provide the dividend sustainability for FFBC stock?
The dividend rating of FIRST FINANCIAL BANCORP (FFBC) is 8 / 10 and the dividend payout ratio is 36.11%.