First Financial Bancorp.
FFBC | NASDAQ
$31.63
-$0.11 (-0.35%)
Sep 22, 2026, 2:33 PM ET · Market open
Market Data
Market Cap $3.33B
Enterprise Value $-1.58B
Beta 0.92
Average Volume 919.6K
Shares Outstanding (Diluted) 104.62M
Shares Change YoY 9.27%
Institutional Ownership 92.49%
Exchange NASDAQ
ISIN US3202091092
Price Performance
Price Change 1M -4.0%
Price Change 3M -2.3%
Price Change 6M 14.8%
Price Change YTD 26.5%
Price Change 1Y 22.0%
Price Change 3Y 64.4%
Price Change 5Y 38.4%
1M CAGR (ann.) -4.9%
1Y CAGR (ann.) 24.7%
5Y CAGR (ann.) 11.2%
All-Time CAGR 8.1%
Valuation
PE Ratio 22.83
Forward PE 10.29
PEG Ratio 0.82
Forward PEG 0.96
PS Ratio 2.50
Forward PS 2.80
PB Ratio 1.12
P/FCF Ratio 4.10
P/Adj. FCF Ratio 4.17
P/OCF Ratio 4.15
EV/Sales -1.19
EV/EBIT -4.43
EV/EBITDA -3.87
EV/FCF -1.95
Earnings Yield 4.4%
FCF Yield 24.4%
Adj. FCF Yield 24.0%
Financial Health
Net Cash $4.92B
Total Debt $952.55M
Cash & Short-Term Investments $5.87B
Total Assets $22.44B
Current Ratio 0.38
Quick Ratio 0.38
Debt / Equity Ratio 0.32
Debt / EBITDA 2.32
Debt / FCF 1.17
OCF / Debt 0.87
Interest Coverage 0.98
Altman Z-Score -0.32
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 69.8%
Operating Profit Margin 26.9%
EBITDA Margin 30.8%
Net Profit Margin 21.4%
FCF Margin 61.0%
Adj. FCF Margin 60.0%
SBC / Revenue 1.1%
SBC Impact (per share) -1.7%
Returns
Return on Assets 1.3%
Return on Equity 10.1%
Return on Invested Capital 7.5%
Return on Capital Employed 10.8%
Return on Tangible Assets 1.4%
Historical Growth (CAGR)
Revenue CAGR 3Y 10.6%
Revenue CAGR 5Y 13.9%
Revenue CAGR 10Y 13.8%
EPS CAGR 3Y -20.3%
EPS CAGR 5Y -6.2%
EPS CAGR 10Y 0.7%
FCF CAGR 3Y 57.7%
FCF CAGR 5Y 17.1%
FCF CAGR 10Y 26.0%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 19
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Oct 21, 2026
EPS Estimate (next Q) $0.82
EPS Growth Est (next Q) 7.9%
Revenue Est (next Q) $270.79M
Revenue Growth Est (next Q) 5.9%
Fair Value Estimates
Graham Number $30.02
Graham Upside -5.4%
Lynch Fair Value $6.95
Lynch Upside -78.1%
Price Target $34
Price Target Upside 7.1%
Cash Flow
Operating Cash Flow $830.7M
Free Cash Flow $812.93M
Adj. Free Cash Flow $799.28M
FCF Per Share $7.42
OCF Per Share $7.64
OCF/S Ratio 59.5%
Income Statement
Revenue $1.33B
Gross Profit $929.39M
Operating Income $357.81M
EBITDA $409.73M
Net Income $285.22M
EPS (Diluted) $1.39
Revenue / Employee $605.89K
Profit / Employee $129.7K
Employees 2,199
Dividends
Annual Dividend $1.01
Dividend Yield 3.18%
Payout Ratio 72.7%
FCF Payout Ratio 12.0%
Adj. FCF Payout Ratio 12.2%
Dividend Growth (YoY) 4.1%
Pay Frequency Quarterly
Ex-Dividend Date Aug 31, 2026
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