FFBC

First Financial Bancorp.

Financial Services · USD

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Price alert · FFBC

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32.35 USD -0.43 -1.31%
As of Oct 30, 2026 Extended hours 32.35 0.00%
Bid
32.36 × 2
Ask
32.37 × 2
32.29 Day range 32.88
23.27 52-week range 36.18
YTD
+29.30%
1 year
+37.43%
Open
32.86
Prev close
32.78
Mkt cap
3.40B
Vol
1.06M
Avg vol
812.41K
EPS
2.85
P/E
11.35
Div yield
3.17%
More statistics
Low
32.29
High
32.88
Forward P/E
9.11
Beta
0.95
Short ratio
6.91
Inst. own
86.54%
Dividend
1.04
Ex-div date
Nov 30, 2026
Earnings
Jan 27, 2027
50-d avg
32.06
200-d avg
30.96
1y target
37.83

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Financial health

Altman Z-Score

-0.36 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 9.3×
FY 2016: 19.6×FY 2017: 16.8×FY 2018: 12.2×FY 2019: 12.7×FY 2020: 11.0×FY 2021: 11.3×FY 2022: 10.4×FY 2023: 8.7×FY 2024: 11.1×FY 2025: 9.3×
FY 2016 5y median 10.4× FY 2025
P/S 1.9×
FY 2016: 4.6×FY 2017: 4.0×FY 2018: 3.3×FY 2019: 3.4×FY 2020: 2.4×FY 2021: 3.5×FY 2022: 2.9×FY 2023: 2.0×FY 2024: 2.1×FY 2025: 1.9×
FY 2016 5y median 2.1× FY 2025
P/B 0.9×
FY 2016: 2.0×FY 2017: 1.7×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 0.7×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
P/FCF 7.5×
FY 2016: 13.1×FY 2017: 13.9×FY 2018: 8.7×FY 2019: 15.1×FY 2020: 18.6×FY 2021: 6.2×FY 2022: 12.1×FY 2023: 4.8×FY 2024: 10.5×FY 2025: 7.5×
FY 2016 5y median 7.5× FY 2025
EV/EBITDA 9.4×
FY 2016: 17.1×FY 2017: 18.4×FY 2018: 14.4×FY 2019: 14.7×FY 2020: 8.7×FY 2021: 9.2×FY 2022: 11.8×FY 2023: 7.0×FY 2024: 8.9×FY 2025: 9.4×
FY 2016 5y median 9.2× FY 2025
EV/Sales 2.7×
FY 2016: 6.6×FY 2017: 5.8×FY 2018: 5.3×FY 2019: 5.4×FY 2020: 2.7×FY 2021: 4.0×FY 2022: 4.3×FY 2023: 2.2×FY 2024: 2.2×FY 2025: 2.7×
FY 2016 5y median 2.7× FY 2025
FCF Yield 13.4%
FY 2016: 7.6%FY 2017: 7.2%FY 2018: 11.5%FY 2019: 6.6%FY 2020: 5.4%FY 2021: 16.1%FY 2022: 8.3%FY 2023: 20.7%FY 2024: 9.5%FY 2025: 13.4%
FY 2016 5y median 13.4% FY 2025

Profitability

Gross Margin 68.4%
FY 2016: 88.4%FY 2017: 87.0%FY 2018: 83.5%FY 2019: 79.2%FY 2020: 80.5%FY 2021: 98.0%FY 2022: 90.0%FY 2023: 71.5%FY 2024: 64.3%FY 2025: 68.4%
FY 2016 5y median 71.5% FY 2025
Operating Margin 25.5%
FY 2016: 34.8%FY 2017: 28.4%FY 2018: 33.3%FY 2019: 32.9%FY 2020: 25.8%FY 2021: 36.8%FY 2022: 31.2%FY 2023: 28.6%FY 2024: 21.9%FY 2025: 25.5%
FY 2016 5y median 28.6% FY 2025
Net Margin 20.3%
FY 2016: 23.6%FY 2017: 23.7%FY 2018: 26.8%FY 2019: 26.8%FY 2020: 21.8%FY 2021: 31.3%FY 2022: 28.1%FY 2023: 22.9%FY 2024: 18.7%FY 2025: 20.3%
FY 2016 5y median 22.9% FY 2025
ROE 9.2%
FY 2016: 10.2%FY 2017: 10.4%FY 2018: 8.3%FY 2019: 8.8%FY 2020: 6.8%FY 2021: 9.1%FY 2022: 10.7%FY 2023: 11.3%FY 2024: 9.4%FY 2025: 9.2%
FY 2016 5y median 9.4% FY 2025
ROIC 5.4%
FY 2016: 4.9%FY 2017: 5.2%FY 2018: 4.7%FY 2019: 5.0%FY 2020: 4.8%FY 2021: 6.9%FY 2022: 5.9%FY 2023: 6.1%FY 2024: 5.4%FY 2025: 5.4%
FY 2016 5y median 5.9% FY 2025
ROA 1.2%
FY 2016: 1.0%FY 2017: 1.1%FY 2018: 1.2%FY 2019: 1.4%FY 2020: 1.0%FY 2021: 1.3%FY 2022: 1.3%FY 2023: 1.5%FY 2024: 1.2%FY 2025: 1.2%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue 2.7%
FY 2016: 8.9%FY 2017: 9.0%FY 2018: 57.3%FY 2019: 14.8%FY 2020: -3.4%FY 2021: -8.3%FY 2022: 18.3%FY 2023: 44.0%FY 2024: 9.9%FY 2025: 2.7%
FY 2016 FY 2025
Operating Income 19.7%
FY 2016: 17.8%FY 2017: -11.1%FY 2018: 84.4%FY 2019: 13.4%FY 2020: -24.1%FY 2021: 30.7%FY 2022: 0.3%FY 2023: 31.8%FY 2024: -15.8%FY 2025: 19.7%
FY 2016 FY 2025
EPS (diluted) 10.8%
FY 2016: 18.2%FY 2017: 9.1%FY 2018: 23.7%FY 2019: 3.6%FY 2020: -20.5%FY 2021: 34.6%FY 2022: 7.5%FY 2023: 17.0%FY 2024: -10.8%FY 2025: 10.8%
FY 2016 FY 2025
Free Cash Flow 31.5%
FY 2016: 58.0%FY 2017: -12.0%FY 2018: 107.0%FY 2019: -31.7%FY 2020: -44.4%FY 2021: 305.7%FY 2022: -49.8%FY 2023: 147.4%FY 2024: -47.9%FY 2025: 31.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.4×
FY 2016: 1.1×FY 2017: 1.0×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 2.8×
FY 2016: 5.0×FY 2017: 5.8×FY 2018: 5.6×FY 2019: 5.4×FY 2020: 1.1×FY 2021: 1.0×FY 2022: 3.7×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 2.8×
FY 2016 5y median 1.0× FY 2025
Interest Coverage 0.9×
FY 2016: 3.9×FY 2017: 2.3×FY 2018: 2.4×FY 2019: 2.0×FY 2020: 2.7×FY 2021: 7.7×FY 2022: 3.7×FY 2023: 1.2×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 4.0%
FY 2016: 2.2%FY 2017: 2.5%FY 2018: 3.8%FY 2019: 3.6%FY 2020: 5.3%FY 2021: 3.8%FY 2022: 3.8%FY 2023: 3.9%FY 2024: 3.5%FY 2025: 4.0%
FY 2016 5y median 3.8% FY 2025
Payout Ratio 37.0%
FY 2016: 44.2%FY 2017: 42.5%FY 2018: 46.2%FY 2019: 45.0%FY 2020: 57.6%FY 2021: 42.6%FY 2022: 39.8%FY 2023: 34.1%FY 2024: 39.1%FY 2025: 37.0%
FY 2016 5y median 39.1% FY 2025

Annual · latest fiscal year ends 2025-12-31