First Financial Bancorp. FFBC
- Market cap
- $3.3B
- P/E
- 11.3×
Follow FFBC
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 13.76 | 22.80 | 22.27 | 22.07 | 10.83 | 17.18 | 18.75 | 17.23 | 20.59 | 21.10 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
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| 29.80 | 29.40 | 33.70 | 28.59 | 25.68 | 26.62 | 26.83 | 26.53 | 31.18 | 29.21 |
High Price
|
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| 1,521 | 1,366 | 2,131 | 2,123 | 2,107 | 2,010 | 2,108 | 2,165 | 2,090 | 2,199 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 376 | 409 | 644 | 739 | 714 | 655 | 775 | 1,115 | 1,226 | 1,259 |
Revenue
|
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| 91.14% | 87.90% | 85.84% | 83.31% | 90.41% | 95.25% | 91.50% | 75.32% | 68.17% | 71.42% |
Gross Margin
|
|||
| 131 | 116 | 214 | 243 | 184 | 241 | 242 | 319 | 268 | 321 |
EBT
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| 34.81% | 28.39% | 33.28% | 32.87% | 25.82% | 36.80% | 31.20% | 28.56% | 21.89% | 25.51% |
EBT Margin
|
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| 89 | 97 | 173 | 198 | 156 | 205 | 218 | 256 | 229 | 256 |
Net Income
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| 22 | 23 | 35 | 40 | 54 | 61 | 44 | 37 | 33 | 29 |
Depreciation
|
|||
| 6.14 | 6.65 | 7.27 | 7.52 | 7.33 | 6.89 | 8.28 | 11.87 | 12.98 | 13.22 |
Revenue/Sh
|
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| 1.45 | 1.57 | 1.95 | 2.01 | 1.60 | 2.16 | 2.33 | 2.72 | 2.42 | 2.68 |
Earnings/Sh
|
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| 2.33 | 2.01 | 2.94 | 1.90 | 1.11 | 4.08 | 2.15 | 5.18 | 2.78 | 3.55 |
Cash Flow/Sh
|
|||
| (0.16) | (0.11) | (0.21) | (0.21) | (0.17) | (0.16) | (0.46) | (0.91) | (0.82) | (0.27) |
Capex/Sh
|
|||
| 2.17 | 1.90 | 2.73 | 1.68 | 0.94 | 3.92 | 1.69 | 4.27 | 1.96 | 3.28 |
Free CF/Sh
|
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| 14.14 | 15.13 | 23.46 | 22.86 | 23.44 | 23.77 | 21.83 | 24.14 | 25.83 | 29.06 |
Book Value/Sh
|
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| 61 | 62 | 89 | 98 | 97 | 95 | 94 | 94 | 94 | 95 |
Shares
|
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| 19.90 | 16.40 | 12.23 | 12.59 | 10.96 | 11.24 | 10.49 | 8.73 | 11.06 | 9.30 |
PE Ratio
|
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| 4.67 | 3.97 | 3.26 | 3.38 | 2.39 | 3.54 | 2.95 | 1.99 | 2.07 | 1.89 |
PS Ratio
|
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| 2.03 | 1.75 | 1.01 | 1.11 | 0.75 | 1.03 | 1.12 | 0.98 | 1.04 | 0.86 |
PB Ratio
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| 6.28 | 5.62 | 5.06 | 5.15 | 3.13 | 3.84 | 4.09 | 2.12 | 2.13 | 2.22 |
EV/Sales
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| 17.74 | 19.67 | 13.44 | 23.03 | 24.28 | 6.75 | 20.09 | 5.88 | 14.07 | 8.96 |
EV/FCF
|
|||
| 143 | 124 | 260 | 186 | 108 | 388 | 201 | 487 | 262 | 338 |
Op' Cash Flow
|
|||
| (10) | (7) | (18) | (21) | (16) | (15) | (43) | (86) | (77) | (26) |
Capex
|
|||
| 133 | 117 | 242 | 165 | 92 | 373 | 158 | 401 | 185 | 312 |
FCF
|
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| (524) | (597) | (955) | (535) | (1,841) | (2,874) | (1,495) | (1,257) | (1,459) | (1,839) |
Working Cap'
|
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| 807 | 862 | 1,428 | 1,565 | 776 | 635 | 1,477 | 1,144 | 973 | 1,189 |
Total Debt
|
|||
| 603 | 677 | 1,154 | 1,308 | 525 | 200 | 881 | 138 | 68 | 413 |
Net Debt
|
|||
| 865 | 931 | 2,078 | 2,248 | 2,282 | 2,259 | 2,041 | 2,268 | 2,438 | 2,769 |
Sh' Equity
|
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| 1.07% | 1.12% | 1.51% | 1.39% | 1.02% | 1.27% | 1.31% | 1.48% | 1.27% | 1.29% |
ROA
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| 5.56% | 4.52% | 4.14% | 4.27% | 4.11% | 6.12% | 5.17% | 8.28% | 6.69% | 6.31% |
ROIC
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| 10.57% | 10.78% | 11.47% | 9.16% | 6.88% | 9.04% | 10.12% | 11.87% | 9.73% | 9.82% |
ROE
|
|||
First Financial Bancorp. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| TOWN Towne Bank | $3.4B | 10.2× | Compare |
| SFNC Simmons First National Corporation | $3.4B | 0.0× | Compare |
| PRK Park National Corporation | $3.3B | 16.2× | Compare |
| CBU Community Financial System, Inc. | $3.2B | 14.3× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FIBK First Interstate BancSystem, Inc. | $3.5B | 11.4× | Compare |
| SBCF Seacoast Banking Corporation of Florida | $3.2B | 20.8× | Compare |
| MCHB Mechanics Bancorp | $3.5B | 12.3× | Compare |
| NIC Nicolet Bankshares Inc. | $3.5B | 18.6× | Compare |
First Financial Bancorp. (FFBC) key facts
- First Financial Bancorp. (FFBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- First Financial Bancorp.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 2.75% from fiscal 2024.
- Net income was $255.6 million, or $2.68 per share (basic), a net margin of 20.3%.
- As of September 25, 2026, FFBC traded at $32.40, a market capitalization of $3.3 billion.
- At that price the stock trades at 11.3× trailing-twelve-month earnings and 2.5× sales.
- First Financial Bancorp. pays an annual dividend of $0.92 per share, a yield of 4.22%, with a payout ratio of 33.5%.
- Return on equity was 9.82% and debt-to-equity 0.32.
First Financial Bancorp. (FFBC) Latest News
22 Jul
First Financial Bancorp posted record net income in Q2 2026 earnings. Record net income signals strong profitability that can lift valuation and investor sentiment.
First Financial Bancorp expands Chicago operations via $208M deal. $208M Chicago expansion is a major strategic market move.
First Financial Bancorp (FFBC) posted Q2 2026 results, with analysis questioning whether the indicated 4% undervaluation offers enough upside. Quarterly results release with accompanying valuation note can moderately shift near-term sentiment and trading levels.
First Financial Bancorp discussed Q2 financial results and outlook during its earnings call. Q2 earnings metrics and outlook statements can moderately shift near-term investor sentiment and valuation.
First Financial Bancorp. Q2 2026 earnings call covered quarterly results, financial metrics, and management outlook. Quarterly earnings updates typically produce moderate effects on near-term stock sentiment and valuation.
21 Jul
First Financial Bancorp reports Q2 2026 results, increases quarterly dividend, and acquires Finward Bancorp. Acquisition of Finward Bancorp plus dividend increase mark major strategic expansion and shareholder returns.
First Financial Bancorp acquires Finward Bancorp in a strategic expansion move. Acquisition directly boosts FFBC scale, assets, and regional footprint with lasting effects on performance.
First Financial Bancorp (FFBC) reported Q2 earnings and highlighted performance across key financial metrics. Q2 earnings and metric details can moderately shift near-term investor sentiment and valuation views.
14 Jul
First Financial Bancorp (FFBC) earnings are projected to grow, prompting assessment of whether the stock represents a buy opportunity. Projected earnings growth for FFBC may moderately lift near-term stock performance and sentiment.
8 Jun
First Financial Bancorp completed the conversion of BankFinancial, finalizing the integration of systems, accounts, and operations following the acquisition. Completion of the BankFinancial conversion represents a major strategic integration step that expands First Financial's footprint and alters its operational scale.
3 Jun
First Financial Bancorp (FFBC) upgraded to Buy rating. Buy rating upgrade may lift short-term investor sentiment and share price.
29 Apr
Earnings estimates for First Financial Bancorp (FFBC) are moving higher, signaling improved analyst expectations and prompting questions on whether it's time to buy the stock. Rising earnings estimates indicate moderately improved financial outlook, potentially boosting short-term market sentiment without fundamentally altering long-term trajectory.
27 Apr
First Financial Bancorp. (FFBC) Q1 earnings call highlights key financial results, strategic updates, and forward guidance. Q1 earnings call highlights disclose quarterly financials and outlook, likely driving significant shifts in investor sentiment and stock performance.
26 Apr
First Financial Bancorp. (FFBC) beat analyst earnings forecasts, leading analysts to update their models positively. Beating earnings forecasts and prompting analyst model updates boosts investor sentiment and enhances short-to-medium term stock performance.
25 Apr
First Financial Bancorp (FFBC) delivered strong Q1 results propelled by strategic acquisitions, expanding fee income, and rigorous margin management. Acquisitions, fee income growth, and margin discipline represent major strategic and financial advancements boosting FFBC's trajectory and investor outlook.
First Financial Bancorp (FFBC) Q1 2026 earnings call highlights strong earnings growth alongside other positive financial developments. Strong earnings growth indicates significant positive momentum for FFBC's financial performance and investor sentiment.
24 Apr
First Financial Bancorp. (FFBC) Q1 2026 earnings call summary covers quarterly financial results, strategic updates, and forward guidance. Quarterly earnings highlights and guidance directly shape investor sentiment and stock trajectory.
23 Apr
First Financial Bancorp. (FFBC) Q1 earnings key metrics compared to analyst estimates in detailed analysis. Q1 earnings metrics versus estimates significantly affect FFBC's financial trajectory and market sentiment.
First Financial Bancorp (FFBC) surpassed Q1 earnings and revenue estimates. Surpassing Q1 earnings and revenue estimates boosts investor sentiment and signals strong financial performance, significantly impacting FFBC's market trajectory.
First Financial Bancorp (NASDAQ:FFBC) reports bullish Q1 CY2026 results. Bullish Q1 earnings reflect strong financial performance poised to enhance investor sentiment and stock trajectory.
First Financial Bancorp (FFBC) announced first quarter 2026 financial results. Quarterly earnings releases significantly affect financial performance metrics and investor sentiment.
22 Apr
First Financial Bancorp (FFBC) reports Q1 results tomorrow, drawing investor focus on its earnings performance. Q1 earnings report anticipated to significantly impact FFBC's financial performance, stock price, and investor sentiment.
14 Feb
First Financial Bancorp (FFBC) delivered record Q4 results, fueling debates on its valuation sustainability and future momentum. Record Q4 results signal strong financial performance with moderate influence on trajectory amid valuation and momentum concerns.
11 Feb
First Financial Bancorp. (FFBC) is highlighted as a top-ranked dividend stock, emphasizing its potential for maximizing retirement portfolios. The article outlines key strategies for investors to consider when selecting dividend stocks, focusing on FFBC's strong financial performance and consistent dividend payouts. It suggests that incorporating such stocks can enhance long-term investment returns and provide stability in retirement planning. FFBC's strong dividend performance may moderately influence investor sentiment and financial stability.
5 Feb
First Financial Bancorp. (FFBC) is highlighted as one of three top-ranked dividend stocks that can enhance retirement income. The article emphasizes the company's strong dividend yield and consistent performance, making it an attractive option for income-focused investors. FFBC's financial stability and growth potential are underscored, positioning it favorably in the current market environment. FFBC's strong dividend yield and consistent performance may moderately influence investor sentiment and financial performance.
4 Feb
First Financial Bancorp's Q4 earnings call highlighted key analyst questions regarding the bank's financial performance, strategic initiatives, and market outlook. Analysts sought clarity on loan growth, credit quality, and the impact of economic conditions on operations. The management provided insights into their strategies for navigating challenges and capitalizing on opportunities in the current market environment. The earnings call addressed important operational aspects that could moderately influence financial performance and market sentiment.
3 Feb
First Financial Bancorp (FFBC) reported its Q4 earnings, showcasing both highs and lows compared to other regional banks. The performance metrics highlighted FFBC's strengths and weaknesses in the current market landscape, prompting analysis of its competitive positioning against peers. Investors are keenly observing these results to gauge future growth potential and market sentiment. Q4 earnings results may moderately influence FFBC's financial performance and competitive positioning in the regional banking sector.
First Financial Bancorp. (FFBC) is highlighted as one of three dividend stocks to consider, offering a yield of up to 4%. The article emphasizes the company's strong financial performance and commitment to returning value to shareholders through dividends. Investors looking for stable income sources may find FFBC an attractive option in the current market environment. FFBC's dividend yield and financial performance may moderately influence investor sentiment and market positioning.
31 Jan
First Financial Bancorp (FFBC) shares rose 7.1% following the announcement of record results for 2025 and the filing of a new share shelf registration. The strong financial performance highlights the company's growth and stability, while the share shelf filing indicates potential for future capital raising activities. Record financial results and a new share shelf filing are significant strategic moves that could enhance future growth and investor sentiment.
First Financial Bancorp is evaluating its growth strategies in light of a record year, balancing ambitions against potential dilution of shareholder value. The company is considering various options to expand while maintaining financial stability and shareholder interests. Strategic growth considerations could significantly influence the company's future performance and investor sentiment.