25.47 USD
-0.25 (-0.97%)
Overall FFBC gets a fundamental rating of 5 out of 10. We evaluated FFBC against 388 industry peers in the Banks industry. FFBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. FFBC has a correct valuation and a medium growth rate. Finally FFBC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year FFBC was profitable.
In the past year FFBC had a positive cash flow from operations.
In the past 5 years FFBC has always been profitable.
FFBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 1.39%, FFBC belongs to the best of the industry, outperforming 85.57% of the companies in the same industry.
The Return On Equity of FFBC (9.81%) is better than 62.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.39% | ||
| ROE | 9.81% | ||
| ROIC | N/A |
ROA(3y)1.32%
ROA(5y)1.24%
ROE(3y)10.44%
ROE(5y)9.45%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 29.18%, FFBC is in the better half of the industry, outperforming 75.52% of the companies in the same industry.
FFBC's Profit Margin has declined in the last couple of years.
FFBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.18% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.94%
PM growth 5Y-3.17%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FFBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FFBC has more shares outstanding
FFBC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for FFBC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of FFBC is 0.99, which is an excellent value as it means it would take FFBC, only 0.99 years of fcf income to pay off all of its debts.
FFBC has a Debt to FCF ratio of 0.99. This is in the better half of the industry: FFBC outperforms 66.75% of its industry peers.
FFBC has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
FFBC has a Debt to Equity ratio of 0.10. This is in the better half of the industry: FFBC outperforms 67.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.38% over the past year.
Measured over the past 5 years, FFBC shows a small growth in Earnings Per Share. The EPS has been growing by 2.32% on average per year.
FFBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.98%.
FFBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.30% yearly.
EPS 1Y (TTM)16.38%
EPS 3Y4.39%
EPS 5Y2.32%
EPS Q2Q%36.36%
Revenue 1Y (TTM)8.98%
Revenue growth 3Y10.25%
Revenue growth 5Y6.3%
Sales Q2Q%6.39%
3.2 Future
FFBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.25% yearly.
Based on estimates for the next years, FFBC will show a quite strong growth in Revenue. The Revenue will grow by 10.46% on average per year.
EPS Next Y11.35%
EPS Next 2Y14.6%
EPS Next 3Y12.25%
EPS Next 5YN/A
Revenue Next Year8.86%
Revenue Next 2Y13.92%
Revenue Next 3Y10.46%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
FFBC is valuated reasonably with a Price/Earnings ratio of 9.43.
FFBC's Price/Earnings ratio is rather cheap when compared to the industry. FFBC is cheaper than 86.34% of the companies in the same industry.
FFBC is valuated cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.08, which indicates a very decent valuation of FFBC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FFBC indicates a rather cheap valuation: FFBC is cheaper than 86.60% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.46. FFBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.43 | ||
| Fwd PE | 8.08 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FFBC is valued a bit cheaper than the industry average as 70.62% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.3 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FFBC's earnings are expected to grow with 12.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.83
PEG (5Y)4.07
EPS Next 2Y14.6%
EPS Next 3Y12.25%
5. Dividend
5.1 Amount
FFBC has a Yearly Dividend Yield of 3.88%. Purely for dividend investing, there may be better candidates out there.
FFBC's Dividend Yield is rather good when compared to the industry average which is at 2.74. FFBC pays more dividend than 80.93% of the companies in the same industry.
FFBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
5.2 History
The dividend of FFBC has a limited annual growth rate of 0.66%.
FFBC has been paying a dividend for at least 10 years, so it has a reliable track record.
FFBC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.66%
Div Incr Years1
Div Non Decr Years10
5.3 Sustainability
FFBC pays out 36.11% of its income as dividend. This is a sustainable payout ratio.
The dividend of FFBC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.11%
EPS Next 2Y14.6%
EPS Next 3Y12.25%
NASDAQ:FFBC (12/29/2025, 2:43:03 PM)
25.47
-0.25 (-0.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.85%
Inst Owner Change1.65%
Ins Owners0.98%
Ins Owner Change-1.77%
Market Cap2.51B
Revenue(TTM)884.98M
Net Income(TTM)258.21M
Analysts76.92
Price Target30.43 (19.47%)
Short Float %2.71%
Short Ratio4.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
Yearly Dividend0.94
Dividend Growth(5Y)0.66%
DP36.11%
Div Incr Years1
Div Non Decr Years10
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.53%
Min EPS beat(2)-2.18%
Max EPS beat(2)5.25%
EPS beat(4)2
Avg EPS beat(4)-2.59%
Min EPS beat(4)-15.7%
Max EPS beat(4)5.25%
EPS beat(8)3
Avg EPS beat(8)-4.75%
EPS beat(12)6
Avg EPS beat(12)-2.72%
EPS beat(16)8
Avg EPS beat(16)-1.8%
Revenue beat(2)1
Avg Revenue beat(2)-3.82%
Min Revenue beat(2)-8.52%
Max Revenue beat(2)0.88%
Revenue beat(4)2
Avg Revenue beat(4)-3.67%
Min Revenue beat(4)-8.64%
Max Revenue beat(4)1.61%
Revenue beat(8)3
Avg Revenue beat(8)-3.75%
Revenue beat(12)5
Avg Revenue beat(12)-2.05%
Revenue beat(16)6
Avg Revenue beat(16)-1.8%
PT rev (1m)0%
PT rev (3m)0.79%
EPS NQ rev (1m)-14.33%
EPS NQ rev (3m)-3.51%
EPS NY rev (1m)-6.09%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)1.25%
Revenue NQ rev (3m)5.32%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)1.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.43 | ||
| Fwd PE | 8.08 | ||
| P/S | 2.84 | ||
| P/FCF | 9.3 | ||
| P/OCF | 8.66 | ||
| P/B | 0.95 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY10.6%
EPS(NY)3.15
Fwd EY12.37%
FCF(TTM)2.74
FCFY10.76%
OCF(TTM)2.94
OCFY11.54%
SpS8.98
BVpS26.71
TBVpS15.74
PEG (NY)0.83
PEG (5Y)4.07
Graham Number40.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.39% | ||
| ROE | 9.81% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.18% | ||
| GM | N/A | ||
| FCFM | 30.51% |
ROA(3y)1.32%
ROA(5y)1.24%
ROE(3y)10.44%
ROE(5y)9.45%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.94%
PM growth 5Y-3.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 67.83% | ||
| Cap/Sales | 2.23% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 104.56% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.88%
ROIC/WACCN/A
Cap/Depr(3y)64.7%
Cap/Depr(5y)58.27%
Cap/Sales(3y)2.45%
Cap/Sales(5y)2.47%
Profit Quality(3y)124.06%
Profit Quality(5y)123%
High Growth Momentum
Growth
EPS 1Y (TTM)16.38%
EPS 3Y4.39%
EPS 5Y2.32%
EPS Q2Q%36.36%
EPS Next Y11.35%
EPS Next 2Y14.6%
EPS Next 3Y12.25%
EPS Next 5YN/A
Revenue 1Y (TTM)8.98%
Revenue growth 3Y10.25%
Revenue growth 5Y6.3%
Sales Q2Q%6.39%
Revenue Next Year8.86%
Revenue Next 2Y13.92%
Revenue Next 3Y10.46%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-28.06%
FCF growth 3Y-13.71%
FCF growth 5Y7.83%
OCF growth 1Y-27.1%
OCF growth 3Y-12.44%
OCF growth 5Y7.07%
FIRST FINANCIAL BANCORP / FFBC FAQ
What is the ChartMill fundamental rating of FIRST FINANCIAL BANCORP (FFBC) stock?
ChartMill assigns a fundamental rating of 5 / 10 to FFBC.
What is the valuation status for FFBC stock?
ChartMill assigns a valuation rating of 6 / 10 to FIRST FINANCIAL BANCORP (FFBC). This can be considered as Fairly Valued.
What is the profitability of FFBC stock?
FIRST FINANCIAL BANCORP (FFBC) has a profitability rating of 4 / 10.
What are the PE and PB ratios of FIRST FINANCIAL BANCORP (FFBC) stock?
The Price/Earnings (PE) ratio for FIRST FINANCIAL BANCORP (FFBC) is 9.43 and the Price/Book (PB) ratio is 0.95.
What is the financial health of FIRST FINANCIAL BANCORP (FFBC) stock?
The financial health rating of FIRST FINANCIAL BANCORP (FFBC) is 3 / 10.