First Financial Bancorp.

Valuation Analysis

About the Company

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 inven

First Financial Bancorp. Stock at a Glance

First Financial Bancorp. (FFBC) is currently trading at $32.30 with a market capitalization of $3.4B. The trailing P/E ratio stands at 11.41x, with a forward P/E of 9.42x. The 52-week range spans from $22.93 to $32.31; the current price is 0% below the yearly high. Year-over-year revenue growth stands at +32.3%. The net profit margin stands at 30.39%.

💰 Dividend

First Financial Bancorp. pays an annual dividend of $1.00 per share, representing a yield of 3.1%. The payout ratio stands at 34.98%.

📊 Analyst Rating

7 analysts rate First Financial Bancorp. (FFBC) on consensus: None. The average price target is $33.43, implying +3.49% from the current price. Analyst price targets range from $30.00 to $37.00.

First Financial Bancorp.: The Investment Case in Detail

First Financial Bancorp. (FFBC) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Top-line momentum is unusually strong with revenue expanding 32.3% year-over-year, a pace that puts the company well above the market average and signals genuine demand traction rather than mere cyclical tailwind. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

The PEG ratio at 1.12 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric.

What to Watch Next

• The forward P/E of 9.42x is meaningfully below the trailing 11.41x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 99.9% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.
• The dividend yield near 3.1% combined with a payout ratio of 34.98% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

Related Stocks in the Same Sector

Where can I buy First Financial Bancorp.?

Compare top-rated brokers — low fees, trusted providers, fully regulated.