FFBC Fundamental Analysis - FIRST FINANCIAL BANCORP

Fundamental Rating

Overall FFBC gets a fundamental rating of 4 out of 10. We evaluated FFBC against 395 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 decent growth rate and is not valued too expensively. FFBC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

FFBC had positive earnings in the past year.

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

FFBC has a Return On Assets of 1.24%. This is amongst the best in the industry. FFBC outperforms 80.25% of its industry peers.

With a Return On Equity value of 9.18%, FFBC perfoms like the industry average, outperforming 57.22% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.24%
ROE	9.18%
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

Looking at the Profit Margin, with a value of 27.31%, FFBC is in the better half of the industry, outperforming 71.90% of the companies in the same industry.

In the last couple of years the Profit Margin of FFBC has declined.

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)	27.31%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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 less shares outstanding

Compared to 1 year ago, FFBC has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of FFBC is 1.53, which is an excellent value as it means it would take FFBC, only 1.53 years of fcf income to pay off all of its debts.

FFBC's Debt to FCF ratio of 1.53 is fine compared to the rest of the industry. FFBC outperforms 60.76% of its industry peers.

A Debt/Equity ratio of 0.16 indicates that FFBC is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.16, FFBC perfoms like the industry average, outperforming 51.90% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.53
Altman-Z	N/A

ROIC/WACCN/A

WACC16.04%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FFBC have decreased by -3.98% in the last year.

The Earnings Per Share has been growing slightly by 2.32% on average over the past years.

FFBC shows a small growth in Revenue. In the last year, the Revenue has grown by 2.45%.

FFBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.30% yearly.

EPS 1Y (TTM)-3.98%

EPS 3Y4.39%

EPS 5Y2.32%

EPS Q2Q%1.89%

Revenue 1Y (TTM)2.45%

Revenue growth 3Y10.25%

Revenue growth 5Y6.3%

Sales Q2Q%2.63%

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 8.31% yearly.

Based on estimates for the next years, FFBC will show a small growth in Revenue. The Revenue will grow by 4.28% on average per year.

EPS Next Y9.14%

EPS Next 2Y8.31%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.77%

Revenue Next 2Y4.28%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.73 indicates a reasonable valuation of FFBC.

Based on the Price/Earnings ratio, FFBC is valued a bit cheaper than 77.47% of the companies in the same industry.

FFBC is valuated cheaply when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.

FFBC is valuated reasonably with a Price/Forward Earnings ratio of 9.19.

Compared to the rest of the industry, the Price/Forward Earnings ratio of FFBC indicates a somewhat cheap valuation: FFBC is cheaper than 70.38% 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 (21.90), we can say FFBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.73
Fwd PE	9.19

4.2 Price Multiples

73.16% of the companies in the same industry are more expensive than FFBC, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	9.22
EV/EBITDA	N/A

4.3 Compensation for Growth

FFBC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.17

PEG (5Y)4.63

EPS Next 2Y8.31%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FFBC has a Yearly Dividend Yield of 3.91%.

Compared to an average industry Dividend Yield of 3.47, 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 2.42.

		Industry Rank	Sector Rank
Dividend Yield	3.91%

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

FFBC pays out 39.43% 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.

DP39.43%

EPS Next 2Y8.31%

EPS Next 3YN/A

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FIRST FINANCIAL BANCORP

NASDAQ:FFBC (7/3/2025, 7:23:15 PM)

After market: 25.86 0 (0%)

25.86

+0.24 (+0.94%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-17 2025-07-17/amc

Inst Owners80.89%

Inst Owner Change0.02%

Ins Owners0.99%

Ins Owner Change3.28%

Market Cap2.48B

Analysts76.36

Price Target28.56 (10.44%)

Short Float %1.25%

Short Ratio3.01

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.91%

Yearly Dividend0.94

Dividend Growth(5Y)0.66%

DP39.43%

Div Incr Years1

Div Non Decr Years10

Ex-Date06-02 2025-06-02 (0.24)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-6.72%

Min EPS beat(2)-15.7%

Max EPS beat(2)2.25%

EPS beat(4)2

Avg EPS beat(4)-6.41%

Min EPS beat(4)-18.55%

Max EPS beat(4)6.35%

EPS beat(8)3

Avg EPS beat(8)-5.3%

EPS beat(12)6

Avg EPS beat(12)-2.74%

EPS beat(16)8

Avg EPS beat(16)-2.37%

Revenue beat(2)1

Avg Revenue beat(2)-3.52%

Min Revenue beat(2)-8.64%

Max Revenue beat(2)1.61%

Revenue beat(4)2

Avg Revenue beat(4)-3.14%

Min Revenue beat(4)-8.64%

Max Revenue beat(4)2.39%

Revenue beat(8)2

Avg Revenue beat(8)-3.19%

Revenue beat(12)5

Avg Revenue beat(12)-1.38%

Revenue beat(16)6

Avg Revenue beat(16)-1.31%

PT rev (1m)0%

PT rev (3m)-11.11%

EPS NQ rev (1m)0%

EPS NQ rev (3m)6.56%

EPS NY rev (1m)0%

EPS NY rev (3m)-1.68%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.75%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.87%

Valuation

		Industry Rank	Sector Rank
PE	10.73
Fwd PE	9.19
P/S	2.94
P/FCF	9.22
P/OCF	8.65
P/B	0.99
P/tB	1.75
EV/EBITDA	N/A

EPS(TTM)2.41

EY9.32%

EPS(NY)2.82

Fwd EY10.89%

FCF(TTM)2.81

FCFY10.85%

OCF(TTM)2.99

OCFY11.56%

SpS8.78

BVpS26.13

TBVpS14.8

PEG (NY)1.17

PEG (5Y)4.63

Profitability

		Industry Rank	Sector Rank
ROA	1.24%
ROE	9.18%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.31%
GM	N/A
FCFM	31.95%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score5

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.53
Debt/EBITDA	N/A
Cap/Depr	58.52%
Cap/Sales	2.11%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	116.96%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC16.04%

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)-3.98%

EPS 3Y4.39%

EPS 5Y2.32%

EPS Q2Q%1.89%

EPS Next Y9.14%

EPS Next 2Y8.31%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)2.45%

Revenue growth 3Y10.25%

Revenue growth 5Y6.3%

Sales Q2Q%2.63%

Revenue Next Year3.77%

Revenue Next 2Y4.28%

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 1Y25.44%

FCF growth 3Y-13.71%

FCF growth 5Y7.83%

OCF growth 1Y24.9%

OCF growth 3Y-12.44%

OCF growth 5Y7.07%

FIRST FINANCIAL BANCORP (FFBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens