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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 - $35.00
Previous CloseN/A
Volume47.87K
Average Volume (3M)842.40K
Market Cap
$3.61B
Enterprise Value$4.06B
Total Cash (Recent Filing)$170.64M
Total Debt (Recent Filing)$930.18M
Price to Earnings (P/E)12.0
Beta0.81
Next Earnings
Jul 21, 2026EPS Estimate
0.78Next Dividend Ex-DateN/A
Dividend Yield3.79%
Share Statistics
EPS (TTM)2.87
Shares Outstanding104,929,375
10 Day Avg. Volume911,653
30 Day Avg. Volume842,403
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 Cap1.13
Enterprise Value/Revenue3.05
Enterprise Value/Gross Profit4.35
Enterprise Value/Ebitda10.23
Forecast
1Y Price Target
$34.75Price Target Upside16.77% Upside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)3.18
Revenue Forecast (FY)$1.09B
Bulls Say, Bears Say
Bulls Say
Cash Generation QualityTTM operating cash flow materially exceeds net income and free cash flow tracks reported earnings, indicating high earnings quality and durable internal funding. Strong cash conversion supports dividends, buybacks and M&A integration funding, reducing reliance on external financing over the medium term.
Conservative Balance Sheet And Improving LeverageLeverage has normalized to a conservative ~0.32 with growing equity, which enhances resilience to credit or market stress and preserves capital flexibility. Stable mid‑single digit ROE range shows consistent earnings power without excessive leverage, supporting sustainable capital returns and strategic deployment.
Diversified, Growing Fee Income MixRecord and elevated fee income from wealth management, leasing and FX reduces reliance on net interest income and provides recurring, higher‑margin revenue. A broader fee base smooths earnings across rate cycles and supports margin resiliency and fee‑driven growth as lending conditions fluctuate.
Bears Say
Loan Growth Dependent On AcquisitionsOrganic lending contracted while reported loan growth was driven by recent acquisitions. Reliance on inorganic growth raises execution and integration risk, obscures underlying demand trends, and means future net interest income growth may be muted if acquisitions slow or if organic pipelines don't convert.
Elevated ICRE Payoff PressureSignificant payoffs in investor commercial real estate reduced earning assets and demonstrated sensitivity to secondary market exits and competitive takeouts. Persistent CRE payoffs or slower redeployment of proceeds could constrain loan book growth and net interest income for multiple quarters.
Credit Costs Trending UpA quarter‑to‑quarter uptick in charge‑offs tied to one large relationship and a slight decline in ACL coverage signal rising credit risk sensitivity. If economic or sector stress widens, provisions could increase, compressing earnings and testing the adequacy of current allowance levels over the medium term.
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 $35.00 in the past 12 months.
What is First Financial Bancorp.’s market cap?
First Financial Bancorp.’s market cap is $3.61B.
When is First Financial Bancorp.’s upcoming earnings report date?
First Financial Bancorp.’s upcoming earnings report date is Jul 21, 2026 which is in 14 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
1
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4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$34.75 (16.77% Upside)
$34.75 (16.77% Upside)
Blogger Sentiment
Bullish
FFBC Sentiment 70%
Sector Average 67%
Sector Average 67%
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 Positive
Last 7 Days ▲ 0.1%
Last 30 Days ▲ 17.3%
Last 30 Days ▲ 17.3%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
39.25%
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 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 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
$34.75
▲(16.77% 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
0.91% Other Institutional Investors
29.60% Public Companies and
Individual Investors