28.74 USD
-0.06 (-0.21%)
At close: Jan 30, 2026
28.74 USD
0 (0%)
After Hours: 1/30/2026, 8:00:00 PM
Taking everything into account, FFBC scores 5 out of 10 in our fundamental rating. FFBC was compared to 383 industry peers in the Banks industry. FFBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. FFBC is not valued too expensively and it also shows a decent 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.
- FFBC had positive earnings in each of the past 5 years.
- FFBC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With an excellent Return On Assets value of 1.39%, FFBC belongs to the best of the industry, outperforming 85.38% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 9.81%, FFBC is in the better half of the industry, outperforming 61.36% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of FFBC (29.18%) is better than 75.72% of its industry peers.
- In the last couple of years the Profit Margin of FFBC has grown nicely.
- FFBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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-2.55%
PM growth 5Y3.32%
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.
- FFBC has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for FFBC has been reduced compared to a year ago.
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 67.10% of its industry peers.
- A Debt/Equity ratio of 0.10 indicates that FFBC is not too dependend on debt financing.
- FFBC's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. FFBC outperforms 67.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.50% 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 11.18% yearly.
- FFBC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.65%.
- Measured over the past years, FFBC shows a small growth in Revenue. The Revenue has been growing by 6.86% on average per year.
EPS 1Y (TTM)17.5%
EPS 3Y6.57%
EPS 5Y11.18%
EPS Q2Q%17.65%
Revenue 1Y (TTM)7.65%
Revenue growth 3Y8.27%
Revenue growth 5Y6.86%
Sales Q2Q%7.02%
3.2 Future
- The Earnings Per Share is expected to grow by 9.71% on average over the next years. This is quite good.
- FFBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.37% yearly.
EPS Next Y10.73%
EPS Next 2Y9.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.2%
Revenue Next 2Y11.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 10.19, which indicates a very decent valuation of FFBC.
- Based on the Price/Earnings ratio, FFBC is valued cheaper than 81.20% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.32. FFBC is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 9.20, the valuation of FFBC can be described as reasonable.
- FFBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FFBC is cheaper than 78.07% of the companies in the same industry.
- FFBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.19 | ||
| Fwd PE | 9.2 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FFBC is valued a bit cheaper than the industry average as 65.80% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.49 | ||
| 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.
PEG (NY)0.95
PEG (5Y)0.91
EPS Next 2Y9.71%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FFBC has a Yearly Dividend Yield of 3.48%. 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 2.67.
- FFBC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.48% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.66%
Div Incr Years1
Div Non Decr Years10
5.3 Sustainability
- FFBC pays out 36.11% 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.
DP36.11%
EPS Next 2Y9.71%
EPS Next 3YN/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 10.73% 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%.