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 |
| Vol | 1.81M |
| As of | 25 Sep 2026 |
The Verdict
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/E | 11.45x |
| Forward P/E | 9.18x |
| P / S (ttm) | 3.58x |
| Profit margin | 29.9% |
| Return on equity | 10.3% |
| Revenue growth | +16.5% |
| Earnings growth | +0.0% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| 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.
Risk Metrics
| Beta vs SPX | 0.87 |
|---|---|
| Corr SPX | 0.49 |
| Annual vol | 28.6% |
| Annual ret | +16.1% |
| Sharpe | 0.56 |
| Max DD | -27.3% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-27 | Reg FD Disclosure, Exhibits | read |
| 2026-07-21 | Material Agreement, Earnings Release… | read |
| 2026-05-29 | Officer / Director Change, Shareholder Vote… | read |
| 2026-05-22 | Reg FD Disclosure, Exhibits | read |
| 2026-04-23 | Earnings Release, Other Material Event… | read |
| 2026-02-02 | Reg FD Disclosure, Exhibits | read |
| 2026-01-28 | Earnings Release, Exhibits | read |
| 2026-01-02 | Acquisition / Disposition, Other Material Event… | read |
| 2025-12-15 | Other Material Event, Exhibits | read |
| 2025-12-11 | Reg FD Disclosure, Exhibits | read |
| 2025-11-10 | Material Agreement, Material Obligation… | read |
| 2025-11-03 | Reg FD Disclosure, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-03 | ANDERSON JAMES M | Chief Financial Officer | J | 566 | — |
| 2026-08-03 | Crawley Scott T | Controller & Prin Actg Of | Sell | 2.70K | $92.23K |
| 2026-07-31 | ANDERSON JAMES M | Chief Financial Officer | Sell | 4.00K | $134.92K |
| 2026-06-30 | Rahe Maribeth S | Grant | 468 | $15.83K | |
| 2026-06-30 | Porter Andre T | Grant | 160 | $5.41K | |
| 2026-06-30 | OBRIEN THOMAS MURRAY | Grant | 80 | $2.71K | |
| 2026-06-30 | Arvia Anne L | Grant | 468 | $15.83K | |
| 2026-06-08 | Brown Archie M | President & CEO | Sell | 10.00K | $309.30K |
| 2026-05-29 | MORRIS DAWN C | Sell | 740 | $22.87K | |
| 2026-05-26 | MORRIS DAWN C | Grant | 2.33K | $72.52K |
Flow & Concentration
| Insider 180d net | -$559.32K |
|---|---|
| Insider buys / sells | 0 / 4 |
| Insider bias | Neutral |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
SEC Filings
The Long Run
FY 2011–2025 · 14 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Net income | $228.83M | +11.0% | |
| Cash from ops | $337.86M | +18.0% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $32.15 | $32.68 | $32.07 | $32.40 | 1.81M |
| Sep 24 | $31.39 | $31.65 | $31.09 | $31.55 | 952.50K |
| Sep 23 | $31.35 | $31.59 | $31.19 | $31.22 | 1.02M |
| Sep 22 | $31.99 | $32.03 | $31.31 | $31.33 | 1.26M |
| Sep 21 | $32.11 | $32.24 | $31.71 | $31.74 | 727.60K |
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