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
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 1/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
FFBC Community Fair Values
Create NarrativeSee what 13 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
First Financial Bancorp. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$31.46 |
| 52 Week High | US$32.66 |
| 52 Week Low | US$22.93 |
| Beta | 0.94 |
| 1 Month Change | 5.25% |
| 3 Month Change | 17.74% |
| 1 Year Change | 35.55% |
| 3 Year Change | 47.28% |
| 5 Year Change | 30.05% |
| Change since IPO | 1,211.25% |
Recent News & Updates
Seeking Alpha • Jun 10
First Financial Bancorp.: A Buy As Earnings Momentum Likely To Accelerate Into 2027
Summary First Financial Bancorp is off to a strong start in 2026, benefiting from solid Q1 2026 results and a compelling valuation relative to regional bank peers. A low 0.79x loan-to-deposit ratio allowed FFBC to remain aggressive on deposit pricing, resulting in an improvement in the net interest margin. At the same time, Q1 2026 results could have been even higher absent the merger-related expenses and other one-off effects. FFBC expects to see full run-rate synergies from recent acquisitions starting in Q3 and Q4 2026, potentially outperforming low analyst EPS growth expectations of 5% for 2027. A recession remains a key risk in the investment case, although the current macro backdrop potentially points to a below-average recession risk in the very near term. Read the full article on Seeking Alpha
Narrative Update • Jun 05
FFBC: Overweight Rating And Buybacks Support Balanced Outlook After Recent Q1 Execution
Narrative Update on First Financial Bancorp First Financial Bancorp's analyst price target has increased by a few dollars to $33.43, as analysts reference updated expectations related to revenue growth, profitability and future P/E assumptions reflected in recent research from multiple firms. Analyst Commentary Recent research updates on First Financial Bancorp cluster around higher price targets and refreshed assumptions for revenue, profitability and the stock's P/E, providing a snapshot of how the Street is thinking about both potential upside and risk.Recent updates
Seeking Alpha • Jun 10
First Financial Bancorp.: A Buy As Earnings Momentum Likely To Accelerate Into 2027
Summary First Financial Bancorp is off to a strong start in 2026, benefiting from solid Q1 2026 results and a compelling valuation relative to regional bank peers. A low 0.79x loan-to-deposit ratio allowed FFBC to remain aggressive on deposit pricing, resulting in an improvement in the net interest margin. At the same time, Q1 2026 results could have been even higher absent the merger-related expenses and other one-off effects. FFBC expects to see full run-rate synergies from recent acquisitions starting in Q3 and Q4 2026, potentially outperforming low analyst EPS growth expectations of 5% for 2027. A recession remains a key risk in the investment case, although the current macro backdrop potentially points to a below-average recession risk in the very near term. Read the full article on Seeking AlphaNarrative Update • Jun 05
FFBC: Overweight Rating And Buybacks Support Balanced Outlook After Recent Q1 Execution
Narrative Update on First Financial Bancorp First Financial Bancorp's analyst price target has increased by a few dollars to $33.43, as analysts reference updated expectations related to revenue growth, profitability and future P/E assumptions reflected in recent research from multiple firms. Analyst Commentary Recent research updates on First Financial Bancorp cluster around higher price targets and refreshed assumptions for revenue, profitability and the stock's P/E, providing a snapshot of how the Street is thinking about both potential upside and risk.Narrative Update • May 21
FFBC: Overweight Rating And Buybacks Will Support Measured Long Term Upside
Analysts have increased their price targets on First Financial Bancorp by $1 to $2, citing updated assumptions around discount rates, long term revenue growth and P/E expectations as key drivers behind the revised outlook. Analyst Commentary Bullish Takeaways Bullish analysts are comfortable nudging price targets higher by US$1 to US$2, which signals increased confidence that their revised P/E assumptions still leave some room for upside.Narrative Update • Apr 28
FFBC: Overweight Stance And Buybacks Will Shape Measured Forward Upside
The updated analyst price target for First Financial Bancorp has increased to $33.43 from $32.14. Analysts attribute the change to recent target increases across multiple firms and modest adjustments to discount rate, growth, margin, and future P/E assumptions.Analysis Article • Apr 27
Earnings Beat: First Financial Bancorp. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models
First Financial Bancorp. ( NASDAQ:FFBC ) just released its latest first-quarter results and things are looking bullish...Narrative Update • Apr 13
FFBC: Overweight Initiation And Stable Credit Trends Will Shape Measured Upside
The analyst price target for First Financial Bancorp has been raised by $1. Analysts cite modest adjustments to discount rate, revenue growth, profit margin, and future P/E assumptions to reflect updated research from firms including Truist, RBC Capital, Keefe Bruyette, and Stephens.Narrative Update • Mar 28
FFBC: Recent Overweight Initiation And Charge Off Trends Will Support Future Upside
First Financial Bancorp's analyst price target has been nudged higher to roughly $32.14, up about $0.14, as analysts factor in slightly revised fair value estimates, modest adjustments to growth and margin assumptions, and a series of recent target lifts from firms updating their views on the stock. Analyst Commentary Bullish Takeaways Bullish analysts are initiating and reiterating positive views, which supports the slightly higher blended price target and suggests that recent valuation work still sees room for the shares to reflect their internal fair value estimates.Narrative Update • Mar 14
FFBC: Updated Fair Value Views And Deal Progress Will Support Future Upside
Analysts have raised their price targets on First Financial Bancorp by a few dollars in recent reports, citing updated views on fair value around $32.00, supported by modest adjustments to discount rate, revenue growth, profit margin, and future P/E assumptions. Analyst Commentary Recent research notes focus on price target adjustments of a few dollars, with analysts aligning fair value views close to US$32.00 after updating their models for discount rates, revenue expectations, margin assumptions, and future P/E levels.Narrative Update • Feb 28
FFBC: Updated Deal Outlook And Earnings Assumptions Will Support Future Upside Potential
Analysts have raised their price targets on First Financial Bancorp by $1 to $2, citing updated assumptions around discount rate, revenue growth, profit margin, and future P/E that together keep fair value around $32.0 per share. Analyst Commentary Recent research updates highlight how small adjustments to key assumptions can still support a fair value view around US$32.0 per share for First Financial Bancorp.Narrative Update • Feb 14
FFBC: Updated Deal Outlook And Earnings Assumptions Will Guide Future Returns
Analysts have raised their price target on First Financial Bancorp to $32.00, citing updated assumptions around fair value, discount rate, revenue growth, profit margins and expected future P/E, as reflected in recent research updates from multiple firms. Analyst Commentary Recent research updates have centered on refreshed assumptions for fair value, discount rates, revenue trends, profitability and future P/E, which together feed into the higher price targets on First Financial Bancorp.Narrative Update • Jan 30
FFBC: Incremental Model Tweaks And BankFinancial Deal Will Shape Future Returns
Analysts have raised their price targets on First Financial Bancorp by a few dollars, making modest adjustments to fair value, discount rate, revenue growth, profit margin, and future P/E that support the updated view. Analyst Commentary Recent research updates around First Financial Bancorp focus on fine tuning valuation inputs rather than making sweeping calls, which can be useful context if you are already following the name closely.Narrative Update • Oct 09
Digital Transformation And Process Redesign Will Increase Operational Efficiency
Analysts have raised their price target for First Financial Bancorp by $0.53 to $30.33. They cite updated fair value estimates following recent portfolio repositioning and the integration of BankFinancial’s assets.Analysis Article • May 31
First Financial Bancorp (NASDAQ:FFBC) Will Pay A Dividend Of $0.24
First Financial Bancorp. ( NASDAQ:FFBC ) has announced that it will pay a dividend of $0.24 per share on the 16th of...Analysis Article • May 03
First Financial Bancorp's (NASDAQ:FFBC) Dividend Will Be $0.24
First Financial Bancorp. ( NASDAQ:FFBC ) has announced that it will pay a dividend of $0.24 per share on the 16th of...Seeking Alpha • Apr 28
First Financial Bancorp: Well-Positioned, Attractive Yield
Summary First Financial Bancorp's Q1 earnings showed a 2.6% revenue increase, but missed estimates by $14.7 million; net income was $51.3 million or $0.54 per share. Despite economic concerns, the bank saw modest loan growth and expects up to 5% loan growth in 2025, driven by leasing and mortgage origination. Return metrics declined due to seasonal softness and increased loan loss provisions; however, asset quality metrics showed improvement, with nonperforming assets and net charge-offs decreasing. With a 4.2% dividend yield, strong asset quality, and increasing tangible book value, the current FFBC price dip to $22 presents a buying opportunity. Read the full article on Seeking AlphaAnalysis Article • Feb 24
First Financial Bancorp (NASDAQ:FFBC) Has Affirmed Its Dividend Of $0.24
The board of First Financial Bancorp. ( NASDAQ:FFBC ) has announced that it will pay a dividend on the 17th of March...Analysis Article • Oct 29
First Financial Bancorp (NASDAQ:FFBC) Will Pay A Dividend Of $0.24
First Financial Bancorp. ( NASDAQ:FFBC ) will pay a dividend of $0.24 on the 16th of December. This means that the...Seeking Alpha • Oct 25
First Financial Bancorp: Weakening Key Metrics, But Stabilizing
Summary First Financial Bancorp reported a 5% drop in top-line revenues to $201 million, missing consensus estimates by $13 million, with net income at $52.5 million. Loan growth was modest at 1% annualized, driven by leasing and mortgage origination, while the cost of deposits increased, impacting net interest margin. Return metrics showed declines, with return on average assets at 1.17% and return on average equity at 8.8%, the lowest this year. Asset quality saw mixed results, with nonperforming assets rising and provision for loan losses improving; tangible book value per FFBC share increased significantly. Read the full article on Seeking Alpha
New Narrative • Sep 24
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.Analysis Article • Aug 20
First Financial Bancorp (NASDAQ:FFBC) Is Increasing Its Dividend To $0.24
First Financial Bancorp.'s ( NASDAQ:FFBC ) dividend will be increasing from last year's payment of the same period to...Analysis Article • Jul 30
First Financial Bancorp's (NASDAQ:FFBC) Upcoming Dividend Will Be Larger Than Last Year's
First Financial Bancorp. ( NASDAQ:FFBC ) will increase its dividend from last year's comparable payment on the 16th of...Analysis Article • May 29
First Financial Bancorp (NASDAQ:FFBC) Is Due To Pay A Dividend Of $0.23
The board of First Financial Bancorp. ( NASDAQ:FFBC ) has announced that it will pay a dividend on the 17th of June...Shareholder Returns
| FFBC | US Banks | US Market | |
|---|---|---|---|
| 7D | -0.3% | 3.9% | 2.3% |
| 1Y | 35.5% | 29.2% | 25.5% |
Return vs Industry: FFBC exceeded the US Banks industry which returned 29.2% over the past year.
Return vs Market: FFBC exceeded the US Market which returned 25.5% over the past year.
Price Volatility
| FFBC volatility | |
|---|---|
| FFBC Average Weekly Movement | 3.1% |
| Banks Industry Average Movement | 3.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.1% |
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 (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1863 | 2,199 | Archie Brown | www.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
| FFBC fundamental statistics | |
|---|---|
| Market cap | US$3.35b |
| Earnings (TTM) | US$278.76m |
| Revenue (TTM) | US$917.19m |
11.8x
P/E Ratio1.1x
P/B RatioIs FFBC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FFBC income statement (TTM) | |
|---|---|
| Revenue | US$917.19m |
| Cost of Revenue | US$0 |
| Gross Profit | US$917.19m |
| Other Expenses | US$638.44m |
| Earnings | US$278.76m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.66 |
| Gross Margin | 100.00% |
| Net Profit Margin | 30.39% |
| Debt/Equity Ratio | 49.7% |
How did FFBC perform over the long term?
See historical performance and comparisonDividends
3.2%
Current Dividend Yield35%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/17 23:14 |
| End of Day Share Price | 2026/06/17 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 17 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.
| Analyst | Institution |
|---|---|
| Bryce Rowe | Baird |
| Jason Goldberg | Barclays |
| Kevin Reevey | D.A. Davidson & Co. |