FIRST FINANCIAL BANCORP(NASDAQ:FFBC) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, FFBC scores 4 out of 10 in our fundamental rating. FFBC was compared to 398 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 valuation in line with the averages, but it does not seem to be growing. FFBC also has an excellent dividend rating.

Quickly go to:

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.

Each year in the past 5 years FFBC has been profitable.

Each year in the past 5 years FFBC had a positive operating cash flow.

1.2 Ratios

The Return On Assets of FFBC (1.23%) is better than 80.90% of its industry peers.

FFBC's Return On Equity of 9.39% is fine compared to the rest of the industry. FFBC outperforms 60.80% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.23%
ROE	9.39%
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

The Profit Margin of FFBC (27.39%) is better than 73.12% of its industry peers.

FFBC's Profit Margin has declined in the last couple of years.

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)	27.39%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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

FFBC has less shares outstanding than it did 5 years ago.

FFBC has a better debt/assets ratio than last year.

2.2 Solvency

FFBC has a debt to FCF ratio of 1.98. This is a very positive value and a sign of high solvency as it would only need 1.98 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.98, FFBC is in line with its industry, outperforming 50.75% of the companies in the same industry.

FFBC has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.20, FFBC is in line with its industry, outperforming 47.24% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.98
Altman-Z	N/A

ROIC/WACCN/A

WACC15.66%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for FFBC have decreased by -0.40% in the last year.

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

FFBC shows a decrease in Revenue. In the last year, the revenue decreased by -0.55%.

Measured over the past years, FFBC shows a small growth in Revenue. The Revenue has been growing by 6.30% on average per year.

EPS 1Y (TTM)-0.4%

EPS 3Y4.39%

EPS 5Y2.32%

EPS Q2Q%18.87%

Revenue 1Y (TTM)-0.55%

Revenue growth 3Y10.25%

Revenue growth 5Y6.3%

Sales Q2Q%3.25%

3.2 Future

Based on estimates for the next years, FFBC will show a small growth in Earnings Per Share. The EPS will grow by 7.75% on average per year.

FFBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.54% yearly.

EPS Next Y11.43%

EPS Next 2Y7.75%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.89%

Revenue Next 2Y4.54%

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.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.17 indicates a reasonable valuation of FFBC.

Based on the Price/Earnings ratio, FFBC is valued cheaper than 81.91% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.79, FFBC is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 8.23, the valuation of FFBC can be described as reasonable.

Based on the Price/Forward Earnings ratio, FFBC is valued a bit cheaper than the industry average as 73.87% of the companies are valued more expensively.

FFBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.38.

		Industry Rank	Sector Rank
PE	9.17
Fwd PE	8.23

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FFBC is valued a bit cheaper than 68.34% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.06
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)0.8

PEG (5Y)3.95

EPS Next 2Y7.75%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

FFBC has a Yearly Dividend Yield of 4.00%. 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 3.54.

Compared to an average S&P500 Dividend Yield of 2.47, FFBC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	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

5.3 Sustainability

39.13% 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.

DP39.13%

EPS Next 2Y7.75%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

FIRST FINANCIAL BANCORP

NASDAQ:FFBC (4/25/2025, 8:05:56 PM)

After market: 22.93 0 (0%)

22.93

-1.07 (-4.46%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)07-23 2025-07-23/amc

Inst Owners81.68%

Inst Owner Change-42.67%

Ins Owners0.96%

Ins Owner Change0.39%

Market Cap2.18B

Analysts76.36

Price Target31.88 (39.03%)

Short Float %1.12%

Short Ratio2.32

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4%

Yearly Dividend0.94

Dividend Growth(5Y)0.66%

DP39.13%

Div Incr Years1

Div Non Decr Years10

Ex-Date03-03 2025-03-03 (0.24)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-8.15%

Min EPS beat(2)-18.55%

Max EPS beat(2)2.25%

EPS beat(4)2

Avg EPS beat(4)-5.53%

Min EPS beat(4)-18.55%

Max EPS beat(4)6.35%

EPS beat(8)4

Avg EPS beat(8)-2.97%

EPS beat(12)6

Avg EPS beat(12)-1.47%

EPS beat(16)9

Avg EPS beat(16)-1.2%

Revenue beat(2)1

Avg Revenue beat(2)-3.15%

Min Revenue beat(2)-7.91%

Max Revenue beat(2)1.61%

Revenue beat(4)2

Avg Revenue beat(4)-2.18%

Min Revenue beat(4)-7.91%

Max Revenue beat(4)2.39%

Revenue beat(8)3

Avg Revenue beat(8)-1.72%

Revenue beat(12)5

Avg Revenue beat(12)-1.04%

Revenue beat(16)6

Avg Revenue beat(16)-1.01%

PT rev (1m)-0.79%

PT rev (3m)2.88%

EPS NQ rev (1m)0.32%

EPS NQ rev (3m)7.35%

EPS NY rev (1m)0.38%

EPS NY rev (3m)6.59%

Revenue NQ rev (1m)0.1%

Revenue NQ rev (3m)2.32%

Revenue NY rev (1m)0.2%

Revenue NY rev (3m)2.06%

Valuation

		Industry Rank	Sector Rank
PE	9.17
Fwd PE	8.23
P/S	2.61
P/FCF	9.06
P/OCF	8.33
P/B	0.9
P/tB	1.62
EV/EBITDA	N/A

EPS(TTM)2.5

EY10.9%

EPS(NY)2.79

Fwd EY12.15%

FCF(TTM)2.53

FCFY11.03%

OCF(TTM)2.75

OCFY12%

SpS8.77

BVpS25.59

TBVpS14.18

PEG (NY)0.8

PEG (5Y)3.95

Profitability

		Industry Rank	Sector Rank
ROA	1.23%
ROE	9.39%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.39%
GM	N/A
FCFM	28.85%

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 Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.98
Debt/EBITDA	N/A
Cap/Depr	69.5%
Cap/Sales	2.52%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	105.35%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC15.66%

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)-0.4%

EPS 3Y4.39%

EPS 5Y2.32%

EPS Q2Q%18.87%

EPS Next Y11.43%

EPS Next 2Y7.75%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.55%

Revenue growth 3Y10.25%

Revenue growth 5Y6.3%

Sales Q2Q%3.25%

Revenue Next Year4.89%

Revenue Next 2Y4.54%

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-47.91%

FCF growth 3Y-13.71%

FCF growth 5Y7.83%

OCF growth 1Y-46.17%

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