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First Financial Bancorp.NasdaqGS:FFBC Stock Report

Market Cap US$2.8b
Share Price
US$29.41
n/a
1Y9.2%
7D-2.6%
Portfolio Value
​
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First Financial Bancorp.

NasdaqGS:FFBC Stock Report

Market Cap: US$2.8b

First Financial Bancorp (FFBC) Stock Overview

Operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. More details

FFBC fundamental analysis
Snowflake Score
Valuation5/6
Future Growth2/6
Past Performance3/6
Financial Health6/6
Dividends5/6

Rewards

Trading at 51.9% below our estimate of its fair value

Earnings are forecast to grow 15.29% per year

Earnings have grown 6.8% per year over the past 5 years

Pays a reliable dividend of 3.4%

Trading at good value compared to peers and industry

Risk Analysis

Significant insider selling over the past 3 months


FFBC Community Fair Values

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See what 13 others think this stock is worth. Follow their fair value or set your own to get alerts.

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First Financial Bancorp

Digital Transformation And Process Redesign Will Increase Operational Efficiency

Key Takeaways Efficiency gains from digital transformation and process improvements are expected to boost margins, lower expenses, and expand customer reach without added branch dependency. Strategic acquisition and demographic-driven expansion into new services position the bank for revenue growth, greater market share, and more stable earnings.
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US$32
FV
8.1% undervalued intrinsic discount
13.55%
Revenue growth p.a.
60
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First Financial Bancorp. Competitors

Price History & Performance

Summary of share price highs, lows and changes for First Financial Bancorp
Historical stock prices
Current Share PriceUS$29.41
52 Week HighUS$31.38
52 Week LowUS$21.10
Beta0.97
1 Month Change8.36%
3 Month Change17.36%
1 Year Change9.25%
3 Year Change18.11%
5 Year Change29.50%
Change since IPO1,125.80%

Recent News & Updates

Recent updates

First Financial Bancorp.: Continued Momentum

Jan 29

First Financial Bancorp (NASDAQ:FFBC) Will Pay A Dividend Of $0.24

May 31
First Financial Bancorp (NASDAQ:FFBC) Will Pay A Dividend Of $0.24

First Financial Bancorp's (NASDAQ:FFBC) Dividend Will Be $0.24

May 03
First Financial Bancorp's (NASDAQ:FFBC) Dividend Will Be $0.24

First Financial Bancorp: Well-Positioned, Attractive Yield

Apr 28

First Financial Bancorp (NASDAQ:FFBC) Has Affirmed Its Dividend Of $0.24

Feb 24
First Financial Bancorp (NASDAQ:FFBC) Has Affirmed Its Dividend Of $0.24

First Financial Bancorp (NASDAQ:FFBC) Will Pay A Dividend Of $0.24

Oct 29
First Financial Bancorp (NASDAQ:FFBC) Will Pay A Dividend Of $0.24

First Financial Bancorp: Weakening Key Metrics, But Stabilizing

Oct 25
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Diversified Revenue And Decisive Cost Management Propel Financial Stability And Profit Growth

Diversified revenue streams from foreign exchange, leasing, mortgage banking, bankcard, and wealth management indicate potential for enhanced overall profitability.

First Financial Bancorp (NASDAQ:FFBC) Is Increasing Its Dividend To $0.24

Aug 20
First Financial Bancorp (NASDAQ:FFBC) Is Increasing Its Dividend To $0.24

First Financial Bancorp's (NASDAQ:FFBC) Upcoming Dividend Will Be Larger Than Last Year's

Jul 30
First Financial Bancorp's (NASDAQ:FFBC) Upcoming Dividend Will Be Larger Than Last Year's

First Financial Bancorp (NASDAQ:FFBC) Is Due To Pay A Dividend Of $0.23

May 29
First Financial Bancorp (NASDAQ:FFBC) Is Due To Pay A Dividend Of $0.23

First Financial Bancorp (NASDAQ:FFBC) Is Paying Out A Dividend Of $0.23

Jan 30
First Financial Bancorp (NASDAQ:FFBC) Is Paying Out A Dividend Of $0.23

First Financial Bancorp (NASDAQ:FFBC) Has Affirmed Its Dividend Of $0.23

Oct 29
First Financial Bancorp (NASDAQ:FFBC) Has Affirmed Its Dividend Of $0.23

Is Now The Time To Put First Financial Bancorp (NASDAQ:FFBC) On Your Watchlist?

Oct 23
Is Now The Time To Put First Financial Bancorp (NASDAQ:FFBC) On Your Watchlist?

First Financial Bancorp (NASDAQ:FFBC) Has Announced A Dividend Of $0.23

Aug 28
First Financial Bancorp (NASDAQ:FFBC) Has Announced A Dividend Of $0.23

Shareholder Returns

FFBCUS BanksUS Market
7D-2.6%-3.6%0.5%
1Y9.2%16.9%15.5%

Return vs Industry: FFBC underperformed the US Banks industry which returned 16.9% over the past year.

Return vs Market: FFBC underperformed the US Market which returned 15.5% over the past year.

Price Volatility

Is FFBC's price volatile compared to industry and market?
FFBC volatility
FFBC Average Weekly Movement3.8%
Banks Industry Average Movement3.7%
Market Average Movement6.4%
10% most volatile stocks in US Market15.9%
10% least volatile stocks in US Market3.1%

Stable Share Price: FFBC has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: FFBC's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
18632,199Archie Brownwww.bankatfirst.com

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and commercial customers.

First Financial Bancorp. Fundamentals Summary

How do First Financial Bancorp's earnings and revenue compare to its market cap?
FFBC fundamental statistics
Market capUS$2.85b
Earnings (TTM)US$255.61m
Revenue (TTM)US$855.34m
11.4x
P/E Ratio
1.0x
P/B Ratio

Is FFBC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FFBC income statement (TTM)
RevenueUS$855.34m
Cost of RevenueUS$0
Gross ProfitUS$855.34m
Other ExpensesUS$599.74m
EarningsUS$255.61m

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)2.59
Gross Margin100.00%
Net Profit Margin29.88%
Debt/Equity Ratio57.1%

How did FFBC perform over the long term?

See historical performance and comparison

Dividends

3.4%
Current Dividend Yield
37%
Payout Ratio

Does FFBC pay a reliable dividends?

See FFBC dividend history and benchmarks
When do you need to buy FFBC by to receive an upcoming dividend?
First Financial Bancorp dividend dates
Ex Dividend DateMar 02 2026
Dividend Pay DateMar 16 2026
Days until Ex dividend4 days
Days until Dividend pay date18 days

Does FFBC pay a reliable dividends?

See FFBC dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/02/25 22:43
End of Day Share Price 2026/02/25 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First Financial Bancorp. is covered by 16 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Bryce RoweBaird
Jason GoldbergBarclays
John RodisBrean Capital Historical (Janney Montgomery)