FIRST FINANCIAL BANCORP(NASDAQ:FFBC) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to FFBC. FFBC was compared to 398 industry peers in the Banks industry. FFBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. FFBC has a valuation in line with the averages, but it does not seem to be growing. Finally FFBC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year FFBC was profitable.

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.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.23%, FFBC belongs to the top of the industry, outperforming 80.90% of the companies in the same industry.

The Return On Equity of FFBC (9.39%) is better than 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

Looking at the Profit Margin, with a value of 27.39%, FFBC is in the better half of the industry, outperforming 73.12% of the companies in the same industry.

In the last couple of years the Profit Margin of FFBC has declined.

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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for FFBC has been reduced compared to 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.

The Debt to Equity ratio of FFBC (0.20) is comparable to the rest of the industry.

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

ROIC/WACCN/A

WACC15.45%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

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

Measured over the past 5 years, FFBC shows a small growth in Earnings Per Share. The EPS has been growing by 2.32% on average per year.

The Revenue has been growing slightly by 2.45% in the past year.

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)2.45%

Revenue growth 3Y10.25%

Revenue growth 5Y6.3%

Sales Q2Q%3.25%

3.2 Future

The Earnings Per Share is expected to grow by 7.75% on average over the next years.

Based on estimates for the next years, FFBC will show a small growth in Revenue. The Revenue will grow by 4.54% on average per year.

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.60, the valuation of FFBC can be described as very reasonable.

79.90% of the companies in the same industry are more expensive than FFBC, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of FFBC to the average of the S&P500 Index (28.22), we can say FFBC is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 8.61, 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 72.61% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 20.86. FFBC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.6
Fwd PE	8.61

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FFBC indicates a somewhat cheap valuation: FFBC is cheaper than 67.09% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.53
EV/EBITDA	N/A

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.

PEG (NY)0.84

PEG (5Y)4.14

EPS Next 2Y7.75%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.11%, FFBC is a good candidate for dividend investing.

FFBC's Dividend Yield is a higher than the industry average which is at 3.50.

Compared to an average S&P500 Dividend Yield of 2.44, FFBC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.11%

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

FFBC pays out 39.13% 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.

DP39.13%

EPS Next 2Y7.75%

EPS Next 3YN/A

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FIRST FINANCIAL BANCORP

NASDAQ:FFBC (5/2/2025, 8:00:00 PM)

After market: 24 0 (0%)

+0.66 (+2.83%)

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-0.08%

Ins Owners0.96%

Ins Owner Change0.02%

Market Cap2.30B

Analysts76.36

Price Target31.88 (32.83%)

Short Float %1.09%

Short Ratio2.25

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.11%

Yearly Dividend0.94

Dividend Growth(5Y)0.66%

DP39.13%

Div Incr Years1

Div Non Decr Years10

Ex-Date06-02 2025-06-02 (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)-0.79%

EPS NQ rev (1m)0.32%

EPS NQ rev (3m)0.32%

EPS NY rev (1m)0.38%

EPS NY rev (3m)0.38%

Revenue NQ rev (1m)0.1%

Revenue NQ rev (3m)0.1%

Revenue NY rev (1m)0.2%

Revenue NY rev (3m)2.06%

Valuation

		Industry Rank	Sector Rank
PE	9.6
Fwd PE	8.61
P/S	2.75
P/FCF	9.53
P/OCF	8.76
P/B	0.94
P/tB	1.7
EV/EBITDA	N/A

EPS(TTM)2.5

EY10.42%

EPS(NY)2.79

Fwd EY11.61%

FCF(TTM)2.52

FCFY10.49%

OCF(TTM)2.74

OCFY11.41%

SpS8.73

BVpS25.47

TBVpS14.11

PEG (NY)0.84

PEG (5Y)4.14

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

WACC15.45%

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)2.45%

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