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First Financial Bancorp.

FFBC

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First Financial Bancorp., an Ohio corporation (First Financial or the Company), was formed in 1982. First Financial is a mid-sized, regional bank holding company headquartered in Cincinnati, Ohio, which has elected to become a financial holding company.

Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$3.40B
EPS$2.83
P/E11.43
Div. Yield2.97%
Net Margin–
P/Book1.1x
First Financial Bancorp. intrinsic value
52-Week Range
$23.27$36.18

Profitability & Returns

Revenue

N/A

Net Income (TTM)

$285M

▲ +11.7% YoY

Net Margin

–

P/E

11.43

Balance Sheet

Total Assets

$22.44B

Equity

$2.99B

Total Debt

$1.06B

Cash & Equiv.

$206M

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Held by ETFs

FFBC is in 101 US ETFs. The largest of them, with FFBC's weight in each:

First Financial Bancorp. (FFBC) in four numbers

Fair value (book value)
$26.20
Price $32.35 is 23% above it.
Intrinsic Value
Quality score
54/100
Best check: book value growth, 9.7%. Weakest: share count change, 10.9%.
Quality
Dividend (TTM)
$1.00
2.97% yield, raised 2 years in a row.
Dividends
P/E
11.43
Price to free cash flow 4.49.
Financials

Questions about First Financial Bancorp.

Is First Financial Bancorp. (FFBC) overvalued?

At $32.35, First Financial Bancorp.'s price is 23% above the $26.20 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 11.43 times earnings and 4.49 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.

What is First Financial Bancorp.'s fair value?

Intrinsiqq's calculator puts First Financial Bancorp.'s fair value at $26.20 a share. It grows book value per share 4.4% a year for 5 years, applies an exit P/B of 1, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $19.65. Every input can be changed on the Intrinsic Value tab.

Is First Financial Bancorp. a high-quality business?

First Financial Bancorp. scores 54 out of 100 on Intrinsiqq's quality score, which makes it a mixed business on these measures. The score blends 6 checks computed from SEC filings. Its best check is book value growth at 9.7%, and its weakest is share count change at 10.9%. The Quality tab shows every check against its target.

Does First Financial Bancorp. (FFBC) pay a dividend, and how much?

Yes. First Financial Bancorp. (FFBC) pays a dividend: $1.00 per share over the last twelve months, a dividend yield of 2.97% at the latest close. It has raised its dividend per share for 2 years in a row, growing at 1.3% a year over the last 5 years. The payout takes about 35.4% of earnings.

Source: 10-Q filed 5 Aug 2026 (period ending 30 Jun 2026), SEC. Price: last close 30 Oct 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.

Spot a number that looks wrong? Check it in FFBC's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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