Stock AnalizFirst Financial Bancorp FFBC
Major Banks · data as of November 13, 2026
First Financial Bancorp (FFBC) is a financial company listed in the US with a market value of about $3.4B. In the twelve months to September 30, 2026 it had revenue of $1.0B and net income of $294M, a net margin of 28.1%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is value (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 11.5, a price to free cash flow of 4.4, 5-year revenue growth of 7% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 3% above the current price.
Score: 2.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
Checks not passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.0B | $899M | $836M | $840M | $709M | $624M | $646M | $616M | $553M | $360M | $342M |
| Net income | $294M | $256M | $229M | $256M | $218M | $205M | $156M | $198M | $173M | $97M | $89M |
| Free cash flow | $778M | $317M | $241M | $463M | $187M | $373M | $92M | $165M | $242M | $117M | $133M |
| EPS (diluted) | $2.85 | $2.66 | $2.40 | $2.69 | $2.30 | $2.14 | $1.59 | $2.00 | $1.93 | $1.56 | $1.43 |
| Net margin | 28.1% | 28.4% | 27.4% | 30.4% | 30.7% | 32.9% | 24.1% | 32.2% | 31.2% | 26.9% | 25.9% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 7 analysts is $38.00, 16% above the current price; targets range from $36.00 to $40.00; the consensus rating is “Buy”; expected EPS is $3.24 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is First Financial Bancorp’s P/E ratio?
About 11.5, based on the last twelve months of diluted earnings per share (forward P/E about 9.4).
Is First Financial Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 3% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does First Financial Bancorp pay a dividend?
Yes. The dividend yield is about 3.18%, and it has paid dividends for 10 years in our data.
Is First Financial Bancorp a good stock to buy?
We do not give buy or sell advice. First Financial Bancorp scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.