FIRST FINANCIAL BANCORP (FFBC) Fundamental Analysis & Valuation

NASDAQ:FFBC • US3202091092

Current stock price

28.59 USD
+0.51 (+1.82%)
At close:
28.59 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

  • FFBC had positive earnings in the past year.
  • FFBC had a positive operating cash flow in the past year.
  • Each year in the past 5 years FFBC has been profitable.
  • FFBC had a positive operating cash flow in each of the past 5 years.
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

  • Looking at the Return On Assets, with a value of 1.21%, FFBC is in the better half of the industry, outperforming 75.53% of the companies in the same industry.
  • FFBC has a Return On Equity (9.23%) which is comparable to the rest of the 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

  • With a decent Profit Margin value of 28.42%, FFBC is doing good in the industry, outperforming 67.11% of the companies in the same industry.
  • FFBC's Profit Margin has improved in the last couple of years.
  • FFBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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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.
  • FFBC has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for FFBC has been increased compared to 5 years ago.
  • Compared to 1 year ago, FFBC has an improved debt to assets ratio.
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.
  • FFBC has a Debt to FCF ratio (1.62) which 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.
  • FFBC has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: FFBC outperforms 45.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.62
Altman-Z N/A
ROIC/WACCN/A
WACC13.77%
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

  • FFBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.83%, which is quite good.
  • FFBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.89% yearly.
  • Looking at the last year, FFBC shows a small growth in Revenue. The Revenue has grown by 7.65% in the last year.
  • The Revenue has been growing slightly by 6.86% on average over the past years.
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

  • The Earnings Per Share is expected to grow by 13.99% on average over the next years. This is quite good.
  • 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 Y15.91%
EPS Next 2Y13.99%
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 10.75 indicates a reasonable valuation of FFBC.
  • Based on the Price/Earnings ratio, FFBC is valued a bit cheaper than the industry average as 70.53% of the companies are valued more expensively.
  • FFBC is valuated cheaply when we compare the Price/Earnings ratio to 26.21, which is the current average of the S&P500 Index.
  • FFBC is valuated reasonably with a Price/Forward Earnings ratio of 9.27.
  • FFBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FFBC is cheaper than 75.00% of the companies in the same industry.
  • FFBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.75
Fwd PE 9.27
FFBC Price Earnings VS Forward Price EarningsFFBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, FFBC is valued a bit cheaper than the industry average as 72.89% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.43
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

  • FFBC's 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 13.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.68
PEG (5Y)1.09
EPS Next 2Y13.99%
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 3.67%. Purely for dividend investing, there may be better candidates out there.
  • FFBC's Dividend Yield is a higher than the industry average which is at 2.73.
  • Compared to an average S&P500 Dividend Yield of 1.89, FFBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.67%

5.2 History

  • The dividend of FFBC has a limited annual growth rate of 1.28%.
  • FFBC has paid a dividend for at least 10 years, which is a reliable track record.
  • FFBC has not decreased their dividend for at least 10 years, which is a reliable track record.
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 2Y13.99%
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 (4/6/2026, 8:00:00 PM)

After market: 28.59 0 (0%)

28.59

+0.51 (+1.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-23
Inst Owners77.92%
Inst Owner Change-0.03%
Ins Owners0.88%
Ins Owner Change2.6%
Market Cap2.99B
Revenue(TTM)899.48M
Net Income(TTM)255.60M
Analysts76.92
Price Target32.64 (14.17%)
Short Float %3.38%
Short Ratio3.59
Dividend
Industry RankSector Rank
Dividend Yield 3.67%
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%
PT rev (3m)7.26%
EPS NQ rev (1m)-0.22%
EPS NQ rev (3m)-3.4%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.17%
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 10.75
Fwd PE 9.27
P/S 3.32
P/FCF 9.43
P/OCF 8.85
P/B 1.08
P/tB 1.93
EV/EBITDA N/A
EPS(TTM)2.66
EY9.3%
EPS(NY)3.08
Fwd EY10.78%
FCF(TTM)3.03
FCFY10.6%
OCF(TTM)3.23
OCFY11.3%
SpS8.6
BVpS26.48
TBVpS14.83
PEG (NY)0.68
PEG (5Y)1.09
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
WACC13.77%
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 Y15.91%
EPS Next 2Y13.99%
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 10.75 and the Price/Book (PB) ratio is 1.08.


Can you provide the financial health for FFBC stock?

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