FIRST FINANCIAL BANCORP (FFBC) Stock Fundamental Analysis

NASDAQ:FFBC • US3202091092

28.07 USD
-1.33 (-4.52%)
At close: Feb 27, 2026
28.07 USD
0 (0%)
After Hours: 2/27/2026, 8:01:13 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall FFBC gets a fundamental rating of 5 out of 10. We evaluated FFBC against 379 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. Finally FFBC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year FFBC was profitable.
  • In the past year FFBC had a positive cash flow from operations.
  • Each year in the past 5 years FFBC has been profitable.
  • Of the past 5 years FFBC 4 years had a positive operating cash flow.
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

  • FFBC's Return On Assets of 1.39% is amongst the best of the industry. FFBC outperforms 85.22% of its industry peers.
  • The Return On Equity of FFBC (9.81%) is better than 60.42% of its industry peers.
Industry RankSector Rank
ROA 1.39%
ROE 9.81%
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

  • Looking at the Profit Margin, with a value of 29.18%, FFBC is in the better half of the industry, outperforming 73.61% 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) 29.18%
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

3

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 more shares outstanding
  • The debt/assets ratio for FFBC has been reduced compared to a year ago.
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

  • 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.
  • FFBC has a better Debt to FCF ratio (0.99) than 67.02% of its industry peers.
  • FFBC has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • FFBC has a Debt to Equity ratio of 0.10. This is in the better half of the industry: FFBC outperforms 67.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.99
Altman-Z N/A
ROIC/WACCN/A
WACC14.11%
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. Growth

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.
  • Looking at the last year, FFBC shows a small growth in Revenue. The Revenue has grown by 7.65% in the last year.
  • FFBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.86% yearly.
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

  • FFBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.15% yearly.
  • FFBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.17% yearly.
EPS Next Y17.59%
EPS Next 2Y14.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.57%
Revenue Next 2Y10.17%
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.55 indicates a reasonable valuation of FFBC.
  • Compared to the rest of the industry, the Price/Earnings ratio of FFBC indicates a somewhat cheap valuation: FFBC is cheaper than 70.71% of the companies listed in the same industry.
  • FFBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.07.
  • The Price/Forward Earnings ratio is 8.97, which indicates a very decent valuation of FFBC.
  • 77.57% of the companies in the same industry are more expensive than FFBC, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, FFBC is valued rather cheaply.
Industry RankSector Rank
PE 10.55
Fwd PE 8.97
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 63.32% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.86
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 14.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)1.07
EPS Next 2Y14.15%
EPS Next 3YN/A

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

8

5. Dividend

5.1 Amount

  • FFBC has a Yearly Dividend Yield of 3.40%. 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 1.82, FFBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.4%

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
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

  • 36.11% of the earnings are spent on dividend by FFBC. This is a low number and sustainable payout ratio.
  • FFBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.11%
EPS Next 2Y14.15%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

FIRST FINANCIAL BANCORP

NASDAQ:FFBC (2/27/2026, 8:01:13 PM)

After market: 28.07 0 (0%)

28.07

-1.33 (-4.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners79.87%
Inst Owner Change1.05%
Ins Owners0.94%
Ins Owner Change-3%
Market Cap2.93B
Revenue(TTM)899.48M
Net Income(TTM)258.21M
Analysts78.33
Price Target32.64 (16.28%)
Short Float %3.55%
Short Ratio3.75
Dividend
Industry RankSector Rank
Dividend Yield 3.4%
Yearly Dividend0.94
Dividend Growth(5Y)0.66%
DP36.11%
Div Incr Years1
Div Non Decr Years10
Ex-Date03-02
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)7.26%
PT rev (3m)7.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-13.55%
EPS NY rev (1m)0.17%
EPS NY rev (3m)-1.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.83%
Revenue NY rev (1m)-1.8%
Revenue NY rev (3m)-2.06%
Valuation
Industry RankSector Rank
PE 10.55
Fwd PE 8.97
P/S 3.31
P/FCF 10.86
P/OCF 10.13
P/B 1.11
P/tB 1.89
EV/EBITDA N/A
EPS(TTM)2.66
EY9.48%
EPS(NY)3.13
Fwd EY11.14%
FCF(TTM)2.58
FCFY9.2%
OCF(TTM)2.77
OCFY9.88%
SpS8.47
BVpS25.19
TBVpS14.84
PEG (NY)0.6
PEG (5Y)1.07
Graham Number38.82
Profitability
Industry RankSector 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)1.3%
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-Score8
Asset Turnover0.05
Health
Industry RankSector 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
WACC14.11%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.83%
EPS 3Y4.51%
EPS 5Y9.89%
EPS Q2Q%-5.88%
EPS Next Y17.59%
EPS Next 2Y14.15%
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 Year16.57%
Revenue Next 2Y10.17%
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 1Y-4.98%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-4.75%
OCF growth 3YN/A
OCF growth 5YN/A

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 17.59% 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%.