FFBC$24.2
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AI FFBC Summary
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Powered by LiveAIOverall Analysis
BuyFirst Financial Bancorp exhibits a solid fundamental profile with consistent profitability and a manageable debt level. While the stock has experienced recent price declines, the dividend yield and steady performance suggest it could be an attractive option for income-focused investors. Technical indicators show a mixed picture, with some short-term sell signals but overall long-term uptrend potential.
Thematic
As a regional bank, First Financial Bancorp is influenced by broader economic conditions and interest rate environments. The company operates in a mature sector with moderate growth opportunities, and its focus on a specific geographic region presents both opportunities and limitations.
Fundamental
First Financial Bancorp demonstrates strong profitability with healthy net margins and consistent revenue generation. Its balance sheet appears robust with manageable debt levels and sufficient cash reserves, supported by consistent free cash flow. The company also offers an attractive dividend yield.
Technical
The stock's recent performance shows a downward trend, with the price trading below key moving averages. While some oscillators are oversold, suggesting potential for a rebound, the prevailing trend and negative short-term performance indicate caution.
| Factor | Score |
|---|---|
| Banking Sector Trends | 70 |
| Regional Economic Conditions | 75 |
| Digital Transformation in Banking | 60 |
| Interest Rate Sensitivity | 65 |
| Regulatory Environment | 60 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 85 |
| Growth | 40 |
| Balance Sheet Health | 75 |
| Cash Flow | 80 |
| Dividend Yield | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 55 |
| Volume Confirmation | 45 |
| Support & Resistance | 60 |
| Recent Performance | 40 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Attractive Valuation Metrics
The Price-to-Earnings (P/E) ratio is 10.09, which is favorable compared to the industry average. The Price-to-Sales (P/S) ratio of 3.7 also suggests potential undervaluation relative to revenue.
Consistent Dividend Payout
The company offers a dividend yield of approximately 3.86%, indicating a commitment to returning value to shareholders. The consistent dividend payments over the past several years support this.
Bearish Points (6)
P/E Ratio Relative to Growth
While the P/E is 10.09, the Price/Earnings to Growth (PEG) ratio is not explicitly provided, making it difficult to assess if the current earnings multiple is justified by expected growth.
Recent Negative Performance
The stock has experienced a -6.35% year-to-date performance and -6.83% over the past year, indicating recent underperformance compared to broader market trends.
Calendar
June 2025
2
Ex-Dividend Date
June 2025
16
Next Dividend Date
July 2025
25
Next Earnings Date
H: $0.69
A: $0.68
L: $0.66
H: 222.00M
A: 219.90M
L: 218.80M
Profile
First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and 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 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; and currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.
Seasonals
Price Target
29.00 USD
The 39 analysts offering 1 year price forecasts for FFBC have a max estimate of 32.00 and a min estimate of 27.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
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Direct competitor; significant geographic overlap in Ohio, Indiana, Kentucky, and Illinois. Headquartered in Cincinnati, OH, like FFBC.
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Direct competitor; significant geographic overlap in Indiana, Illinois, Kentucky, and Ohio, mirroring FFBC's core markets. [3, 9, 33, 40, 49]
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Major regional competitor headquartered in Columbus, OH, with a substantial presence across FFBC's operating areas.
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Major regional competitor headquartered in Cleveland, OH, with significant operations in FFBC's core regions. [10, 21, 28, 37, 42]