First Financial Bancorp Stock Analysis

FFBC Stock  USD 24.86  0.06  0.24%   
First Financial Bancorp is undervalued with Real Value of 26.2 and Target Price of 27.8. 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 81.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.95. 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 2nd of June 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

291.5 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.
First Financial has a strong financial position based on the latest SEC filings
Over 81.0% of the company shares are owned by institutional investors
On 16th of June 2025 First Financial paid $ 0.24 per share dividend to its current shareholders
Latest headline from gurufocus.com: First Financial Bancorp to Announce Second Quarter 2025 Financial Results on Thursday, July 24, ...

First Financial Bancorp Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to First Financial previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
18th of April 2024
Upcoming Quarterly Report
View
18th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

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
Bank Of New York Mellon Corp2025-03-31
M
First Trust Advisors L.p.2025-03-31
M
Morgan Stanley - Brokerage Accounts2025-03-31
975.6 K
First Financial Bank, N.a. -tr Division2025-06-30
887.9 K
Fisher Asset Management, Llc2025-03-31
791.1 K
Bank Of America Corp2025-03-31
768.7 K
Manufacturers Life Insurance Co2025-03-31
749.1 K
Bridgeway Capital Management, Llc2025-03-31
700.6 K
Nuveen Asset Management, Llc2024-12-31
669.4 K
Blackrock Inc2025-03-31
13.9 M
Vanguard Group Inc2025-03-31
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 2.38 B.

First Profitablity

The company has Profit Margin (PM) of 0.3 %, 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 0.36 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.36.
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 0.0127 % which means that it generated a profit of $0.0127 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0958 %, meaning that it created $0.0958 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 1.2 B, whereas Net Tangible Assets are forecasted to decline to about 1 B.
Last ReportedProjected for Next Year
Book Value Per Share 25.83  27.12 
Tangible Book Value Per Share 14.31  15.03 
Enterprise Value Over EBITDA 8.92  9.66 
Price Book Value Ratio 1.04  1.87 
Enterprise Value Multiple 8.92  9.66 
Price Fair Value 1.04  1.87 
Enterprise Value869.5 M558.9 M
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.
Dividend Yield
0.0396
Operating Margin
0.3603
Profit Margin
0.3005
Forward Dividend Yield
0.0396
Beta
0.962

Technical Drivers

As of the 21st of July, First Financial shows the Mean Deviation of 1.22, coefficient of variation of 780.07, and Downside Deviation of 1.48. 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

The output start index for this execution was twenty-nine with a total number of output elements of thirty-two. The Simple Moving Average indicator is calculated by adding the closing price of First Financial for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out First Financial Bancorp short-term fluctuations and highlight longer-term trends or cycles.

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.
 
Arvia Anne L over two weeks ago
Acquisition by Arvia Anne L of 626 shares of First Financial at 24.26 subject to Rule 16b-3
 
Porter Andre T over two months ago
Acquisition by Porter Andre T of 558 shares of First Financial at 26.88 subject to Rule 16b-3
 
Gregory Harris over two months ago
Acquisition by Gregory Harris of 10982 shares of First Financial subject to Rule 16b-3
 
Morris Dawn C over two months ago
Disposition of 880 shares by Morris Dawn C of First Financial at 23.38 subject to Rule 16b-3
 
Booth Cynthia O over two months ago
Disposition of 18609 shares by Booth Cynthia O of First Financial at 22.91 subject to Rule 16b-3
 
Myers Malcolm A over two months ago
Disposition of tradable shares by Myers Malcolm A of First Financial subject to Rule 16b-3
 
Arvia Anne L over three months ago
Acquisition by Arvia Anne L of 600 shares of First Financial at 24.98 subject to Rule 16b-3
 
James Shank over three months ago
Disposition of 7600 shares by James Shank of First Financial at 24.92 subject to Rule 16b-3
 
Woods Karen B over three months ago
Disposition of 4064 shares by Woods Karen B of First Financial at 25.81 subject to Rule 16b-3
 
James Shank over three months ago
Disposition of 699 shares by James Shank of First Financial at 25.45 subject to Rule 16b-3
 
Crawley Scott T over three months ago
Disposition of 573 shares by Crawley Scott T of First Financial at 27.41 subject to Rule 16b-3
 
Purkrabek Knust Susan L over three months ago
Acquisition by Purkrabek Knust Susan L of 315 shares of First Financial at 23.75 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

F4
2nd of July 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
23rd of June 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
17th of June 2025
Other Reports
ViewVerify
F3
10th of June 2025
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
F4
30th of May 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
29th of May 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
28th of May 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
12th of May 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.

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 0.22  0.22 
Operating Profit Margin 0.22  0.22 
Net Profit Margin 0.19  0.16 
Gross Profit Margin 0.64  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
27.8Buy6Odds
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
Tax Provision39.5 M
Quarterly Earnings Growth Y O Y0.019
Property Plant And Equipment Net407.1 M
Cash And Short Term Investments3.4 B
Cash904.5 M
Net Debt198.5 M
50 Day M A24.454
Total Current Liabilities15.1 B
Other Operating Expenses957.3 M
Non Current Assets Total14.6 B
Forward Price Earnings9.2081
Non Currrent Assets Other1.2 B
Stock Based Compensation15.7 M

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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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