FIRST FINANCIAL BANCORP (FFBC) Fundamental Analysis & Valuation

NASDAQ:FFBC • US3202091092

Current stock price

27.25 USD
-0.45 (-1.62%)
At close:
27.25 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.
  • Each year in the past 5 years FFBC has 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

  • Looking at the Return On Assets, with a value of 1.21%, FFBC is in the better half of the industry, outperforming 75.53% of the companies in the same industry.
  • 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

  • The Profit Margin of FFBC (28.42%) is better than 67.37% of its industry peers.
  • 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) 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • FFBC has more shares outstanding than it did 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 55.26% of its industry peers.
  • FFBC has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • FFBC's Debt to Equity ratio of 0.19 is in line compared to the rest of the industry. FFBC outperforms 46.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.62
Altman-Z N/A
ROIC/WACCN/A
WACC14%
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FFBC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 10.83% over the past year.
  • Measured over the past years, FFBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.89% on average per year.
  • FFBC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.65%.
  • 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

  • Based on estimates for the next years, FFBC will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.99% on average per year.
  • Based on estimates for the next years, FFBC will show a quite strong growth in Revenue. The Revenue will grow by 10.27% on average per year.
EPS Next Y15.91%
EPS Next 2Y13.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.57%
Revenue Next 2Y10.27%
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

More info and screens

Find the best growth stocksShow best growing peers

6

4. FFBC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.24, which indicates a very decent valuation of FFBC.
  • Based on the Price/Earnings ratio, FFBC is valued a bit cheaper than 70.26% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, FFBC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.84, which indicates a very decent valuation of FFBC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FFBC indicates a somewhat cheap valuation: FFBC is cheaper than 73.95% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. FFBC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.24
Fwd PE 8.84
FFBC Price Earnings VS Forward Price EarningsFFBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • 72.89% 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 8.99
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.
  • FFBC's earnings are expected to grow with 13.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.64
PEG (5Y)1.04
EPS Next 2Y13.99%
EPS Next 3YN/A

More info and screens

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

8

5. FFBC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.61%, FFBC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.69, FFBC pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, FFBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.61%

5.2 History

  • The dividend of FFBC has a limited annual growth rate of 1.28%.
  • 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)1.28%
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

  • 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 2Y13.99%
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

FFBC Fundamentals: All Metrics, Ratios and Statistics

FIRST FINANCIAL BANCORP

NASDAQ:FFBC (3/27/2026, 8:16:19 PM)

After market: 27.25 0 (0%)

27.25

-0.45 (-1.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-16
Inst Owners77.92%
Inst Owner Change1.07%
Ins Owners0.88%
Ins Owner Change2.63%
Market Cap2.85B
Revenue(TTM)899.48M
Net Income(TTM)255.60M
Analysts76.92
Price Target32.64 (19.78%)
Short Float %3.36%
Short Ratio3.53
Dividend
Industry RankSector Rank
Dividend Yield 3.61%
Yearly Dividend0.98
Dividend Growth(5Y)1.28%
DP37.03%
Div Incr Years1
Div Non Decr Years10
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)2.13%
PT rev (3m)7.26%
EPS NQ rev (1m)-2.81%
EPS NQ rev (3m)-3.47%
EPS NY rev (1m)-1.43%
EPS NY rev (3m)-2.76%
Revenue NQ rev (1m)-0.38%
Revenue NQ rev (3m)-2.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.89%
Valuation
Industry RankSector Rank
PE 10.24
Fwd PE 8.84
P/S 3.17
P/FCF 8.99
P/OCF 8.44
P/B 1.03
P/tB 1.84
EV/EBITDA N/A
EPS(TTM)2.66
EY9.76%
EPS(NY)3.08
Fwd EY11.31%
FCF(TTM)3.03
FCFY11.13%
OCF(TTM)3.23
OCFY11.85%
SpS8.6
BVpS26.48
TBVpS14.83
PEG (NY)0.64
PEG (5Y)1.04
Graham Number39.81
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
WACC14%
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)10.83%
EPS 3Y4.51%
EPS 5Y9.89%
EPS Q2Q%-5.88%
EPS Next Y15.91%
EPS Next 2Y13.99%
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 2Y10.27%
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.


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 15.91% 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 37.03%.