First Financial Bancorp. (FFBC)
NASDAQ:FFBC
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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$22.93 - $31.38
Previous CloseN/A
Volume47.87K
Average Volume (3M)774.45K
Market Cap
$3.20B
Enterprise Value$3.99B
Total Cash (Recent Filing)$170.64M
Total Debt (Recent Filing)$930.18M
Price to Earnings (P/E)11.3
Beta0.84
Next Earnings
Jul 16, 2026EPS Estimate
0.78Next Dividend Ex-DateN/A
Dividend Yield3.79%
Share Statistics
EPS (TTM)2.87
Shares Outstanding104,929,375
10 Day Avg. Volume711,478
30 Day Avg. Volume774,447
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 Cap1.25
Enterprise Value/Revenue2.99
Enterprise Value/Gross Profit4.27
Enterprise Value/Ebitda10.89
Forecast
1Y Price Target
$33.20Price Target Upside11.56% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)3.02
Revenue Forecast (FY)$1.07B
Bulls Say, Bears Say
Bulls Say
Cash Generation QualityTTM operating cash flow materially exceeding net income and FCF roughly matching earnings signal durable earnings quality and cash conversion. This underpins capacity to fund dividends, buybacks, and loan growth organically, and provides a recurring buffer against credit or interest shocks.
Conservative Balance SheetA declining debt-to-equity ratio with rising equity and steady mid-single-digit ROE indicates conservative funding and improving capital ratios. Such positioning supports continued lending, M&A flexibility, and resilience to losses, reducing the likelihood of forced capital actions over the medium term.
Diversified Fee Income & Acquisitive ScaleElevated fee income from wealth, leasing, FX and strong acquisition-driven deposit/loan growth diversifies revenue away from pure net interest income. This structural mix smooths earnings across rate cycles, enhances cross-sell opportunities, and supports fee-margin stability as balance sheet scale grows.
Bears Say
Loan Growth Dependence On AcquisitionsUnderlying organic loan originations contracted, with reported loan growth driven by purchases. Reliance on M&A to grow earning assets is less sustainable long term; if deal flow slows or purchase pricing tightens, NII growth and core franchise momentum could stall.
Competitive CRE Pricing PressureIntense competition in commercial real estate lending compresses spreads and can erode structural margins. Management’s reluctance to match looser covenants may cede market share, while conceding pricing or covenant flexibility risks underwriting quality — both outcomes can pressure medium-term earnings.
Asset Quality Uptick / Concentration RiskA rise in charge-offs driven by a single large relationship highlights concentration and credit sensitivity. Even modest upticks in NCOs and provisions can reduce earnings and require higher loan-loss reserves, which would compress capital generation and limit pace of shareholder distributions.
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 $22.93 and its highest was $31.38 in the past 12 months.
What is First Financial Bancorp.’s market cap?
First Financial Bancorp.’s market cap is $3.20B.
When is First Financial Bancorp.’s upcoming earnings report date?
First Financial Bancorp.’s upcoming earnings report date is Jul 16, 2026 which is in 42 days.
How were First Financial Bancorp.’s earnings last quarter?
First Financial Bancorp. released its earnings results on Apr 23, 2026. The company reported $0.71 earnings per share for the quarter, beating the consensus estimate of $0.613 by $0.097.
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 3.79%. 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?
First Financial Bancorp. reported an EPS of $0.71 in its last earnings report, beating expectations of $0.613. Following the earnings report the stock price went up 2.411%.
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
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$33.20 (11.56% Upside)
$33.20 (11.56% Upside)
Blogger Sentiment
Bullish
FFBC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 45.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.0M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.3%
Last 30 Days ▼ 5.1%
Last 30 Days ▼ 5.1%
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Positive
20 days / 200 days
Momentum
33.55%
12-Months-Change
Fundamentals
Return on Equity
10.23%
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 related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company accepts various deposit products, such as interest-bearing and noninterest-bearing accounts, time deposits, and cash management services for 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, or office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment; consumer loans comprising 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 commercial financing 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; and lease and equipment financing services. As of December 31, 2021, the company operated 139 full service banking centers, 29 of which are leased facilities. It operates 62 banking centers in Ohio, three banking centers in Illinois, 62 banking centers in Indiana, and 12 banking centers in Kentucky. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.
FFBC Company Deck
FFBC Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive performance: materially stronger earnings, resilient margin, record fee income, successful acquisitions and improving capital metrics outweighed the key challenges of ICRE payoff-driven loan pressure, a modest rise in net charge-offs tied to one relationship, and competitive/market uncertainties. Management provided constructive guidance for Q2 (mid-single-digit annualized loan growth, stable NIM, fee income and expense targets) and clear plans for deploying cash, realizing acquisition cost savings, and returning capital to shareholders.View all FFBC earnings summariesFFBC Stock 12 Month Forecast
Average Price Target
$33.20
▲(11.56% 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
18.95% Other Institutional Investors
12.18% Public Companies and Individual Investors