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FFBC Stock Chart & Stats
$29.76
-$0.04(-0.15%)
At close: 4:00 PM EST
$29.76
-$0.04(-0.15%)
Day’s Range― - ―
52-Week Range$23.06 - $36.25
Previous CloseN/A
Volume47.87K
Average Volume (3M)1.09M
Market Cap
$3.75B
Enterprise Value$3.81K
Total Cash (Recent Filing)$170.64M
Total Debt (Recent Filing)$930.18M
Price to Earnings (P/E)12.4
Beta0.79
Next Earnings
Jul 21, 2026EPS Estimate
0.78Next Dividend Ex-DateN/A
Dividend Yield2.82%
Share Statistics
EPS (TTM)2.87
Shares Outstanding104,929,375
10 Day Avg. Volume1,244,265
30 Day Avg. Volume1,094,953
Financial Highlights & Ratios
PEG Ratio0.83
Price to Book (P/B)0.86
Price to Sales (P/S)1.89
P/FCF Ratio7.49
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$35.25Price Target Upside18.45% Upside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)3.21
Revenue Forecast (FY)$1.09B
Bulls Say, Bears Say
Bulls Say
Cash GenerationFFBC’s TTM cash generation is robust: operating cash flow covers net income by ~1.51x and free cash flow tracks reported earnings. Durable cash conversion supports dividends, buybacks, integration spending and capital buffers, enabling strategic optionality across cycles even if earnings fluctuate.
Conservative Balance Sheet & CapitalImproving leverage and solid tangible equity provide long-term resilience versus peers. Conservative funding mix (20% noninterest deposits) and healthy capital metrics underpin capacity for acquisitions, regulatory stress absorption and returning capital to shareholders without overstretching the franchise.
Diversified Fee Income And M&A ExecutionGrowth in fee-based businesses (wealth, leasing, FX, derivatives) strengthens recurring noninterest income and reduces earnings sensitivity to NIM swings. Successful integrations (BankFinancial, Westfield) have also added deposits and scale, demonstrating execution that sustainably augments revenues and fee diversification.
Bears Say
Organic Loan WeaknessFFBC’s recent loan growth relied materially on acquisitions; core lending contracted on an annualized basis. If acquisition cadence slows or payoff pressure persists, organic loan growth and interest-earning asset expansion could lag, constraining long-term NII growth and loan mix optimization.
ICRE Payoff & CRE CompetitionElevated payoffs in investment CRE and aggressive repricing/loosened covenants from larger regionals reduce commercial origination opportunities and spreads. Persistent CRE runoff or sustained pricing competition could structurally depress yields, constrain pipeline quality and pressure long-term lending margins.
Asset Quality & Concentration RiskA step-up in charge-offs tied to a concentrated commercial relationship and slightly lower ACL coverage highlight vulnerability to idiosyncratic credit events. In a more stressed macro or sector-specific downturn, concentrated losses could amplify provisions, reducing capital and earnings durability over multiple quarters.
First Financial Bancorp News
FFBC FAQ
What was First Financial Bancorp.’s price range in the past 12 months?
First Financial Bancorp. lowest stock price was $23.06 and its highest was $36.24 in the past 12 months.
What is First Financial Bancorp.’s market cap?
First Financial Bancorp.’s market cap is $3.75B.
When is First Financial Bancorp.’s upcoming earnings report date?
First Financial Bancorp.’s upcoming earnings report date is Jul 21, 2026 which is today.
How were First Financial Bancorp.’s earnings last quarter?
Currently, no data Available
Is First Financial Bancorp. overvalued?
According to Wall Street analysts First Financial Bancorp.’s price is currently Undervalued.
Does First Financial Bancorp. pay dividends?
First Financial Bancorp. pays a Quarterly dividend of $0.25 which represents an annual dividend yield of 2.82%. See more information on First Financial Bancorp. dividends here
What is First Financial Bancorp.’s EPS estimate?
First Financial Bancorp.’s EPS estimate is 0.78.
How many shares outstanding does First Financial Bancorp. have?
First Financial Bancorp. has 104,929,375 shares outstanding.
What happened to First Financial Bancorp.’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of First Financial Bancorp.?
Currently, no hedge funds are holding shares in FFBC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Financial Bancorp Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$35.25 (18.45% Upside)
$35.25 (18.45% Upside)
Blogger Sentiment
Bullish
FFBC Sentiment 70%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Increased
By 45.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.3M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 2.1%
Last 30 Days ▼ 2.1%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
48.69%
12-Months-Change
Fundamentals
Return on Equity
2.82%
Trailing 12-Months
Asset Growth
23.43%
Trailing 12-Months
Company Description
First Financial Bancorp.
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. It also provides real estate loans secured by residential property, such as one to four family residential housing units or commercial property comprising owner-occupied and/or investor income producing real estate consisting of apartments, shopping centers, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans, such as new and used vehicle loans, second mortgages on residential real estate and unsecured loans; and home equity lines of credit. In addition, the company offers secured commercial financing services to the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees. Further, it provides a range of trust and wealth management services, lease and equipment financing services, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.
FFBC Stock 12 Month Forecast
Average Price Target
$35.25
▲(18.45% Upside)
Technical Analysis
First Merchants
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Banc of California
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Provident Financial Services
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Trustmark
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Washington Federal
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Ownership Overview
1.14% Insiders
36.61% Mutual Funds
5.55% Other Institutional Investors
24.77% Public Companies and
Individual Investors