$34.23
0.19 (-0.55%)
Last updated: Jul 15, 2026 06:54
Fundamentals Overview
First Financial Bancorp. is near the high of its 52-week range with attractive valuation, trading relatively flat today.
Valuation attractive
Intrinsic value (DCF)
+52.3% upside vs price
Profitability
Risk (Beta)
0.93 — in line vol
Earnings & growth
BullzEye Analysis
Our composite tilts Buy on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +52.3% upside vs price · Analyst grade: A- · Sentiment improving (1 upgrade) · 3M vs S&P 500: +6.5% · 3M vs Financial Services sector: +7.3%
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: A-. Recent institutional grades: majority upgrades. Current institutional positions: Equal Weight: 2, Hold: 4, Market Perform: 7, Outperform: 2, Overweight: 3, Perform: 1, Sector Perform: 11.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $52.12; current price is $34.23. That’s a +52.3% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 12.85 |
| DCF value (model) | $52.12 (52.3% upside) |
| PEG (TTM) | 0.6 |
| P/B (TTM) | 1.21 |
| P/S (TTM) | 2.7 |
| P/FCF (TTM) | 4.42 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.31 |
| Quick Ratio (TTM) | 0.31 |
| Cash Ratio (TTM) | 0.31 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 20.93% |
| Gross margin (TTM) | 70.04% |
| Operating margin (TTM) | 26.37% |
| Debt to equity (TTM) | N/A |
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for FFBC.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Truist Securities | maintain | Hold | Hold | 2026-07-10 |
| Raymond James | maintain | Outperform | Outperform | 2026-07-01 |
| Truist Securities | maintain | Hold | Hold | 2026-04-27 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2026-04-27 |
| Truist Securities | maintain | Hold | Hold | 2026-02-02 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2026-01-30 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2026-01-30 |
| Raymond James | maintain | Outperform | Outperform | 2025-10-27 |
| Truist Securities | maintain | Hold | Hold | 2025-10-03 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2025-07-28 |
| Stephens & Co. | maintain | Overweight | Overweight | 2025-06-27 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2025-06-25 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-06-25 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2025-04-28 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-04-28 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-01-27 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2025-01-27 |
| Keefe, Bruyette& Woods | maintain | Market Perform | Market Perform | 2025-01-27 |
| Stephens & Co. | maintain | Overweight | Overweight | 2025-01-24 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-12-04 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2024-07-29 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-07-29 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2024-04-09 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2024-01-29 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2023-10-26 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2023-07-24 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2023-07-21 |
| Piper Sandler | upgrade | Neutral | Overweight | 2023-07-10 |
| RBC Capital | maintain | Sector Perform | Perform | 2023-04-24 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2023-04-21 |