FIRST FINANCIAL BANCORP (FFBC) Fundamental Analysis & Valuation

NASDAQ:FFBC • US3202091092

Current stock price

30.28 USD
+0.37 (+1.24%)
At close:
30.2805 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.
  • In the past 5 years FFBC has always 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

  • The Return On Assets of FFBC (1.21%) is better than 75.27% of its industry peers.
  • 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

  • FFBC's Profit Margin of 28.42% is fine compared to the rest of the industry. FFBC outperforms 66.22% of its industry peers.
  • In the last couple of years the Profit Margin of FFBC has grown nicely.
  • 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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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.
  • The number of shares outstanding for FFBC has been increased compared to 1 year ago.
  • Compared to 5 years ago, FFBC has more shares outstanding
  • 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

  • FFBC has a debt to FCF ratio of 1.62. This is a very positive value and a sign of high solvency as it would only need 1.62 years to pay back of all of its debts.
  • FFBC's Debt to FCF ratio of 1.62 is in line compared to the rest of the industry. FFBC outperforms 54.52% of its industry peers.
  • A Debt/Equity ratio of 0.19 indicates that FFBC is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.19, FFBC perfoms like the industry average, outperforming 45.48% 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

  • FFBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.43%, which is quite good.
  • The Earnings Per Share has been growing by 9.89% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 7.65% in the past year.
  • The Revenue has been growing slightly by 6.86% on average over the past years.
EPS 1Y (TTM)17.43%
EPS 3Y4.51%
EPS 5Y9.89%
EPS Q2Q%31.48%
Revenue 1Y (TTM)7.65%
Revenue growth 3Y8.27%
Revenue growth 5Y6.86%
Sales Q2Q%35.5%

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 14.11% yearly.
  • 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

  • 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

  • With a Price/Earnings ratio of 10.70, the valuation of FFBC can be described as very reasonable.
  • FFBC's Price/Earnings ratio is a bit cheaper when compared to the industry. FFBC is cheaper than 71.01% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, FFBC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.74, the valuation of FFBC can be described as very reasonable.
  • 73.94% of the companies in the same industry are more expensive than FFBC, based on the Price/Forward Earnings ratio.
  • FFBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.75.
Industry RankSector Rank
PE 10.7
Fwd PE 8.74
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

  • 72.61% 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 9.99
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.
  • A more expensive valuation may be justified as FFBC's earnings are expected to grow with 14.11% in the coming years.
PEG (NY)0.68
PEG (5Y)1.08
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

  • With a Yearly Dividend Yield of 3.34%, FFBC has a reasonable but not impressive dividend return.
  • FFBC's Dividend Yield is a higher than the industry average which is at 2.55.
  • FFBC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.34%

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

  • 37.03% 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.
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 (4/30/2026, 4:30:00 PM)

After market: 30.2805 0 (0%)

30.28

+0.37 (+1.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.93
Earnings (Last)04-23
Earnings (Next)07-22
Inst Owners77.86%
Inst Owner Change1.48%
Ins Owners0.95%
Ins Owner Change1.99%
Market Cap3.17B
Revenue(TTM)899.48M
Net Income(TTM)255.60M
Analysts76.92
Price Target34.1 (12.62%)
Short Float %3.99%
Short Ratio4.73
Dividend
Industry RankSector Rank
Dividend Yield 3.34%
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)3.25%
EPS NY rev (1m)-0.24%
EPS NY rev (3m)-1.49%
Revenue NQ rev (1m)-0.36%
Revenue NQ rev (3m)-1.87%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)-1.71%
Valuation
Industry RankSector Rank
PE 10.7
Fwd PE 8.74
P/S 3.52
P/FCF 9.99
P/OCF 9.37
P/B 1.14
P/tB 2.04
EV/EBITDA N/A
EPS(TTM)2.83
EY9.35%
EPS(NY)3.46
Fwd EY11.44%
FCF(TTM)3.03
FCFY10.01%
OCF(TTM)3.23
OCFY10.67%
SpS8.6
BVpS26.48
TBVpS14.83
PEG (NY)0.68
PEG (5Y)1.08
Graham Number41.0599 (35.6%)
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)17.43%
EPS 3Y4.51%
EPS 5Y9.89%
EPS Q2Q%31.48%
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%35.5%
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 10.7 and the Price/Book (PB) ratio is 1.14.


Can you provide the financial health for FFBC stock?

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