Inside the research

First Financial Bancorp.

FFBC Research profile · latest available data

Price overview

$32.40

▲ +0.85 (+2.7%)

52w hi$35.89
52w lo$22.46
Vol1.81M
As of25 Sep 2026

The Verdict

Hold

Our score +0.37

Short+0.58
Medium+0.24
Long+0.23

computed 2026-09-27

Key fundamentals

First Financial Bancorp.

Financial Services · Banks - Regional

Market cap$3.41B
Enterprise value$3.62B
Trailing P/E11.45x
Forward P/E9.18x
P / S (ttm)3.58x
Profit margin29.9%
Return on equity10.3%
Revenue growth+16.5%
Earnings growth+0.0%

Layer Breakdown

LayerRawContribution
Fundamental+0.30
Sector+0.02
Technical-0.04
Earnings+0.00
Sentiment+0.72

macro × 1.00 · 2026-09-27

Business overview

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and commercial customers. It also provides real estate loans secured by residential property, such as one to four family residential housing units or commercial property comprising owner-occupied and/or investor income producing real estate consisting of apartments, shopping centers, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans, such as new and used vehicle loans, second mortgages on residential real estate and unsecured loans; and home equity lines of credit. In addition, the company offers secured commercial financing services to the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees. Further, it provides a range of trust and wealth management services, lease and equipment financing services, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

United States · www.bankatfirst.com

Risk Metrics

Beta vs SPX0.87
Corr SPX0.49
Annual vol28.6%
Annual ret+16.1%
Sharpe0.56
Max DD-27.3%

Window: 504 trading days (504 obs)

Material Events

DateEvent8-K
2026-07-27Reg FD Disclosure, Exhibitsread
2026-07-21Material Agreement, Earnings Release…read
2026-05-29Officer / Director Change, Shareholder Vote…read
2026-05-22Reg FD Disclosure, Exhibitsread
2026-04-23Earnings Release, Other Material Event…read
2026-02-02Reg FD Disclosure, Exhibitsread
2026-01-28Earnings Release, Exhibitsread
2026-01-02Acquisition / Disposition, Other Material Event…read
2025-12-15Other Material Event, Exhibitsread
2025-12-11Reg FD Disclosure, Exhibitsread
2025-11-10Material Agreement, Material Obligation…read
2025-11-03Reg FD Disclosure, Exhibitsread

Insider Trades

DateInsiderRoleActionSharesValue
2026-08-03ANDERSON JAMES MChief Financial OfficerJ566—
2026-08-03Crawley Scott TController & Prin Actg OfSell2.70K$92.23K
2026-07-31ANDERSON JAMES MChief Financial OfficerSell4.00K$134.92K
2026-06-30Rahe Maribeth SGrant468$15.83K
2026-06-30Porter Andre TGrant160$5.41K
2026-06-30OBRIEN THOMAS MURRAYGrant80$2.71K
2026-06-30Arvia Anne LGrant468$15.83K
2026-06-08Brown Archie MPresident & CEOSell10.00K$309.30K
2026-05-29MORRIS DAWN CSell740$22.87K
2026-05-26MORRIS DAWN CGrant2.33K$72.52K

Flow & Concentration

Insider 180d net-$559.32K
Insider buys / sells0 / 4
Insider biasNeutral
13F holders0
Top-5 share0.0%
HHI0 (—)

SEC Filings

DateFormDoc
2026-08-0610-Qview
2026-08-054view
2026-08-034view
2026-07-314view
2026-07-278-Kview
2026-07-218-Kview
2026-07-024view
2026-07-024view
2026-07-024view
2026-07-024view
2026-06-2511-Kview
2026-06-094view
2026-05-298-Kview
2026-05-294view
2026-05-284view

The Long Run

FY 2011–2025 · 14 years

LineLatestCAGRTrend
Net income$228.83M+11.0%
Cash from ops$337.86M+18.0%

Indices

S&P SmallCap 600

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$32.15$32.68$32.07$32.401.81M
Sep 24$31.39$31.65$31.09$31.55952.50K
Sep 23$31.35$31.59$31.19$31.221.02M
Sep 22$31.99$32.03$31.31$31.331.26M
Sep 21$32.11$32.24$31.71$31.74727.60K

Understand the score. Research layers are inputs to a model, and the available data has limits.

Read the methodology →