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First Financial Bancorp NasdaqGS:FFBC Stock Report

Last Price

US$27.73

Market Cap

US$2.6b

7D

-0.8%

1Y

21.3%

Updated

26 Jan, 2025

Data

Company Financials +

First Financial Bancorp.

NasdaqGS:FFBC Stock Report

Market Cap: US$2.6b

FFBC Stock Overview

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

FFBC fundamental analysis
Snowflake Score
Valuation5/6
Future Growth1/6
Past Performance2/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 51.8% below our estimate of its fair value

Earnings are forecast to grow 6.14% per year

Trading at good value compared to peers and industry

Risk Analysis

Significant insider selling over the past 3 months

Unstable dividend track record


Community Narratives

Create a narrative

Narratives bring a range of perspectives from our community.

WA
Analyst Price Target
Consensus Narrative from 4 Analysts

Efficiency Initiatives And Portfolio Restructuring Will Strengthen Future Prospects

Key Takeaways Strengthening loan pipelines and efficiency initiatives could boost revenue and enhance net margins through cost savings. Investment portfolio restructuring and noninterest income growth support future earnings and increase shareholder value perceptions.
View narrative
US$30.38
FV
8.7% undervalued intrinsic discount
7.48%
Revenue growth p.a.
0users have liked this narrative
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0users have followed this narrative
3 days ago author updated this narrative

My Notes

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First Financial Bancorp. Competitors

Independent Bank

NasdaqGS:INDB

US$2.8b

First Merchants

NasdaqGS:FRME

US$2.4b

Stock Yards Bancorp

NasdaqGS:SYBT

US$2.2b

Bancorp

NasdaqGS:TBBK

US$2.7b

Price History & Performance

Summary of share price highs, lows and changes for First Financial Bancorp
Historical stock prices
Current Share PriceUS$27.73
52 Week HighUS$31.18
52 Week LowUS$20.59
Beta1.01
1 Month Change2.36%
3 Month Change5.32%
1 Year Change21.30%
3 Year Change11.54%
5 Year Change15.35%
Change since IPO1,055.78%

Recent News & Updates

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

Recent updates

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

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

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

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

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

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

Here's Why We Think First Financial Bancorp (NASDAQ:FFBC) Is Well Worth Watching

Mar 14
Here's Why We Think First Financial Bancorp (NASDAQ:FFBC) Is Well Worth Watching

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

Nov 17
First Financial Bancorp (NASDAQ:FFBC) Is Due To Pay A Dividend Of $0.23

First Financial Bancorp.: High Interest-Rates, Moderate Loan Growth To Lift Earnings

Oct 16

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

Jul 30
First Financial Bancorp (NASDAQ:FFBC) Has Affirmed Its Dividend Of $0.23

First Financial Non-GAAP EPS of $0.56 beats by $0.05, revenue of $166.99M beats by $6.42M

Jul 21

First Financial Bancorp's (NASDAQ:FFBC) Dividend Will Be US$0.23

May 28
First Financial Bancorp's (NASDAQ:FFBC) Dividend Will Be US$0.23

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

May 14
First Financial Bancorp (NASDAQ:FFBC) Has Announced A Dividend Of US$0.23

First Financial Bancorp's (NASDAQ:FFBC) Dividend Will Be US$0.23

Apr 30
First Financial Bancorp's (NASDAQ:FFBC) Dividend Will Be US$0.23

Shareholder Returns

FFBCUS BanksUS Market
7D-0.8%1.1%1.8%
1Y21.3%37.4%24.9%

Return vs Industry: FFBC underperformed the US Banks industry which returned 37.4% over the past year.

Return vs Market: FFBC underperformed the US Market which returned 24.9% over the past year.

Price Volatility

Is FFBC's price volatile compared to industry and market?
FFBC volatility
FFBC Average Weekly Movement5.9%
Banks Industry Average Movement5.2%
Market Average Movement6.5%
10% most volatile stocks in US Market18.9%
10% least volatile stocks in US Market3.2%

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 (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
18632,064Archie Brownwww.bankatfirst.com

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking, savings, and money-market accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for 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$2.65b
Earnings (TTM)US$228.83m
Revenue (TTM)US$787.92m

11.6x

P/E Ratio

1.1x

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$787.92m
Cost of RevenueUS$0
Gross ProfitUS$787.92m
Other ExpensesUS$559.09m
EarningsUS$228.83m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)2.40
Gross Margin100.00%
Net Profit Margin29.04%
Debt/Equity Ratio45.2%

How did FFBC perform over the long term?

See historical performance and comparison

Dividends

3.5%

Current Dividend Yield

39%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/26 03:20
End of Day Share Price 2025/01/24 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

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 here.

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 .

Analyst Sources

First Financial Bancorp. is covered by 13 analysts. 4 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
Kevin ReeveyD.A. Davidson & Co.