First Financial Bancorp Stock Analysis

FFBC Stock  USD 28.80  1.60  5.88%   
Below is the normalized historical share price chart for First Financial Bancorp extending back to November 05, 1984. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of First Financial stands at 28.80, as last reported on the 30th of January, with the highest price reaching 28.80 and the lowest price hitting 27.20 during the day.
IPO Date
26th of March 1990
200 Day MA
24.8956
50 Day MA
25.768
Beta
0.987
 
Black Monday
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
First Financial Bancorp has over 1.1 Billion in debt which may indicate that it relies heavily on debt financing. At present, First Financial's Net Debt is projected to increase significantly based on the last few years of reporting. The current year's Short Term Debt is expected to grow to about 912.2 M, whereas Long Term Debt is forecasted to decline to about 279.7 M. With a high degree of financial leverage come high-interest payments, which usually reduce First Financial's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

First Financial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. First Financial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps First Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect First Financial's stakeholders.
For most companies, including First Financial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for First Financial Bancorp, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, First Financial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.0809
Price Sales
3.6889
Shares Float
97.3 M
Wall Street Target Price
30
Earnings Share
2.66
At present, First Financial's Liabilities And Stockholders Equity is projected to increase significantly based on the last few years of reporting. The current year's Common Stock is expected to grow to about 2 B, whereas Common Stock Shares Outstanding is forecasted to decline to about 57.4 M. . At present, First Financial's Price Earnings Ratio is projected to slightly decrease based on the last few years of reporting. The current year's Price Earnings To Growth Ratio is expected to grow to 0.87, whereas Price Book Value Ratio is forecasted to decline to 0.81.
First Financial Bancorp is undervalued with Real Value of 32.28 and Target Price of 30.0. The main objective of First Financial stock analysis is to determine its intrinsic value, which is an estimate of what First Financial Bancorp is worth, separate from its market price. There are two main types of First Financial's stock analysis: fundamental analysis and technical analysis.
The First Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and First Financial's ongoing operational relationships across important fundamental and technical indicators.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Financial Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For information on how to trade First Stock refer to our How to Trade First Stock guide.

First Stock Analysis Notes

About 75.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.08. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Financial Bancorp has Price/Earnings To Growth (PEG) ratio of 1.71. The entity last dividend was issued on the 1st of December 2025. The firm had 105:100 split on the 7th of March 2001. 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. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio. First Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 2072 people. To learn more about First Financial Bancorp call Archie Brown at 877 322 9530 or check out https://www.bankatfirst.com.

First Financial Quarterly Total Revenue

51.87 Million

First Financial Bancorp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. First Financial's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding First Financial Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Over 75.0% of the company shares are owned by institutional investors
On 15th of December 2025 First Financial paid $ 0.25 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: First Financial Bancorp Q4 2025 Earnings Call Highlights Record Earnings and Strategic ...

First Largest EPS Surprises

Earnings surprises can significantly impact First Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2007-01-26
2006-12-310.030.02-0.0133 
2008-10-29
2008-09-300.170.15-0.0211 
2007-04-20
2007-03-310.20.220.0210 
View All Earnings Estimates

First Financial Environmental, Social, and Governance (ESG) Scores

First Financial's ESG score is a quantitative measure that evaluates First Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of First Financial's operations that may have significant financial implications and affect First Financial's stock price as well as guide investors towards more socially responsible investments.

First Stock Institutional Investors

Shares
Morgan Stanley - Brokerage Accounts2025-06-30
M
Bank Of New York Mellon Corp2025-06-30
M
Millennium Management Llc2025-06-30
922.3 K
First Financial Bank, N.a. -tr Division2025-06-30
887.9 K
Bank Of America Corp2025-06-30
840.9 K
Qube Research & Technologies2025-06-30
786.3 K
Fisher Asset Management, Llc2025-06-30
770.6 K
Manufacturers Life Insurance Co2025-06-30
732.5 K
Bridgeway Capital Management, Llc2025-06-30
706.8 K
Blackrock Inc2025-06-30
13.8 M
Vanguard Group Inc2025-06-30
10.7 M
Note, although First Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

First Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 3.01 B.

First Profitablity

The company has Profit Margin (PM) of 0.32 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.43 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.43.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.08  0.14 
Return On Assets 0.01  0.01 
Return On Equity 0.09  0.13 

Management Efficiency

First Financial Bancorp has return on total asset (ROA) of 0.0141 % which means that it generated a profit of $0.0141 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1016 %, meaning that it created $0.1016 on every $100 dollars invested by stockholders. First Financial's management efficiency ratios could be used to measure how well First Financial manages its routine affairs as well as how well it operates its assets and liabilities. The current year's Return On Tangible Assets is expected to grow to 0.01. The current year's Return On Capital Employed is expected to grow to 0.14. At present, First Financial's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 1.4 B, whereas Intangible Assets are forecasted to decline to about 47.4 M.
Last ReportedProjected for Next Year
Book Value Per Share 29.18  30.64 
Tangible Book Value Per Share 16.34  17.16 
Enterprise Value Over EBITDA 9.86  9.62 
Price Book Value Ratio 0.86  0.81 
Enterprise Value Multiple 9.86  9.62 
Price Fair Value 0.86  0.81 
Enterprise ValueB3.2 B
First Financial's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Operating Margin
0.4254
Profit Margin
0.3163
Forward Dividend Yield
0.0367
Beta
0.987
Return On Assets
0.0141

Technical Drivers

As of the 30th of January, First Financial shows the Coefficient Of Variation of 546.86, downside deviation of 1.07, and Mean Deviation of 1.2. First Financial Bancorp technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.

First Financial Bancorp Price Movement Analysis

Execute Study
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. First Financial middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for First Financial Bancorp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

First Financial Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on First Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Woods Karen B over a month ago
Disposition of 5342 shares by Woods Karen B of First Financial at 25.25 subject to Rule 16b-3
 
Myers Malcolm A over a month ago
Disposition of 157 shares by Myers Malcolm A of First Financial subject to Rule 16b-3
 
Archie Brown over a month ago
Disposition of 13500 shares by Archie Brown of First Financial subject to Rule 16b-3
 
Arvia Anne L over three months ago
Acquisition by Arvia Anne L of 618 shares of First Financial at 25.25 subject to Rule 16b-3
 
James Anderson over three months ago
Disposition of 1092 shares by James Anderson of First Financial at 27.41 subject to Rule 16b-3
 
Amanda Neeley over three months ago
Disposition of 1075 shares by Amanda Neeley of First Financial at 25.45 subject to Rule 16b-3
 
Archie Brown over three months ago
Disposition of 12500 shares by Archie Brown of First Financial at 24.79 subject to Rule 16b-3
 
Woods Karen B over six months ago
Disposition of 993 shares by Woods Karen B of First Financial at 27.41 subject to Rule 16b-3
 
James Shank over six months ago
Disposition of 7600 shares by James Shank of First Financial at 24.92 subject to Rule 16b-3
 
Arvia Anne L over six months ago
Acquisition by Arvia Anne L of 626 shares of First Financial at 24.26 subject to Rule 16b-3
 
Porter Andre T over six months ago
Acquisition by Porter Andre T of 558 shares of First Financial at 26.88 subject to Rule 16b-3
 
Gregory Harris over six months ago
Acquisition by Gregory Harris of 10982 shares of First Financial subject to Rule 16b-3

First Financial Outstanding Bonds

First Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First Financial Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First Financial Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

First Financial Predictive Daily Indicators

First Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

First Financial Corporate Filings

8K
28th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
2nd of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
31st of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
29th of December 2025
Other Reports
ViewVerify
F4
23rd of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
19th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
17th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
15th of December 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

First Financial Forecast Models

First Financial's time-series forecasting models are one of many First Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary First Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

First Financial Bancorp Debt to Cash Allocation

As First Financial Bancorp follows its natural business cycle, the capital allocation decisions will not magically go away. First Financial's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
First Financial Bancorp currently holds 1.1 B in liabilities with Debt to Equity (D/E) ratio of 9.07, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about First Financial's use of debt, we should always consider it together with its cash and equity.

First Financial Common Stock Shares Outstanding Over Time

First Financial Assets Financed by Debt

The debt-to-assets ratio shows the degree to which First Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

First Financial Debt Ratio

    
  6.4   
It looks as if most of the First Financial's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the First Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of First Financial, which in turn will lower the firm's financial flexibility.

First Financial Corporate Bonds Issued

Most First bonds can be classified according to their maturity, which is the date when First Financial Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

First Short Long Term Debt Total

Short Long Term Debt Total

1.33 Billion

At present, First Financial's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting.

About First Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how First Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling First shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as First Financial. By using and applying First Stock analysis, traders can create a robust methodology for identifying First entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.26  0.22 
Operating Profit Margin 0.26  0.22 
Net Profit Margin 0.20  0.16 
Gross Profit Margin 0.68  0.57 

Current First Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. First analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. First analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
30.0Buy6Odds
First Financial Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of First Financial Bancorp, talking to its executives and customers, or listening to First conference calls.
First Analyst Advice Details

First Stock Analysis Indicators

First Financial Bancorp stock analysis indicators help investors evaluate how First Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading First Financial shares will generate the highest return on investment. By understating and applying First Financial stock analysis, traders can identify First Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow213.1 M
Long Term Debt346 M
Common Stock Shares Outstanding95.4 M
Total Stockholder Equity2.4 B
Total Cashflows From Investing Activities-1 B
Quarterly Earnings Growth Y O Y0.364
Property Plant And Equipment Net407.1 M
Cash And Short Term Investments3.4 B
Cash904.5 M
Net Debt198.5 M
50 Day M A25.768
Total Current Liabilities15.1 B
Non Current Assets Total14.6 B
Forward Price Earnings8.643
Non Currrent Assets Other1.2 B
Stock Based Compensation15.7 M

Complementary Tools for First Stock analysis

When running First Financial's price analysis, check to measure First Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Financial is operating at the current time. Most of First Financial's value examination focuses on studying past and present price action to predict the probability of First Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Financial's price. Additionally, you may evaluate how the addition of First Financial to your portfolios can decrease your overall portfolio volatility.
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